Our management

Aki joined Hiscox in 2016 as Chief Financial Officer for the Hiscox Group, before becoming Group Chief Executive Officer in January 2022. Prior to joining Hiscox, Aki held a number of senior roles in financial services, telecoms and media. He spent seven years at Prudential plc, latterly as Chief Financial Officer for Prudential UK and Europe. He was Finance Director for the Consumer Bank division at Lloyd’s Banking Group until 2009 and prior to that was Finance Director for the Consumer division of ntl (now Virgin Media). Aki is a Chartered Accountant, having trained with KPMG. 

Paul joined Hiscox in May 2022 as Group Chief Financial Officer. Previous to this, he was Interim Group Chief Financial Officer of M&G Plc and also served as CFO for The Prudential Assurance Company. In the past he occupied the position of Group Chief Financial Officer at Canopius AG, Group Chief Financial Officer & Director at Arrow Global Group Plc, Finance Director at Hiscox Insurance Company and Partner at Ernst & Young LLP. In addition, he is a board member of the Association of British Insurers and was recently a non executive director of Aspen Insurance UK Ltd and Aspen Managing Agency Limited.

Paul is a qualified Chartered Accountant, having trained with PricewaterhouseCoopers. He holds a BA degree in Economics from Manchester University.

Joanne Musselle joined Hiscox in 2002, having previously worked for AXA and Aviva in both the UK and Asian markets. She began her Hiscox career as a Technical Underwriting Manager within professions and specialty commercial followed by a six month secondment to the Group as Business Improvement Manager. In 2006, Joanne moved into Hiscox Group claims as Head of Claims Strategy before becoming Head of UK Claims from June 2009. She became Chief Underwriting Officer (CUO) for Hiscox UK and Ireland in July 2012 and CUO of Hiscox Retail in July 2017, before being appointed CUO for Hiscox Group at the end of 2019.

Fabrice joined Hiscox in November 2023 as Group Chief Risk Officer. Fabrice spent 12 years at AIG where he held positions in both the UK and USA, latterly as CRO International General Insurance where he oversaw AIG’s risk management function in more than 80 territories outside the USA. Prior to AIG, Fabrice spent ten years at AXA Insurance UK, rising to Chief Actuary.

Robert was appointed Chief Executive Officer of Hiscox Europe in March 2021, having spent 15 years as Managing Director of Hiscox Germany. Robert joined Hiscox Germany in 1997 as one of its first recruits, at a time when it had a premium income of less than €1 million and fewer than five staff. During his tenure, he has held a number of roles within the business across both operations and underwriting, and spent time in London working on the launch of Hiscox’s now-global Direct Commercial business.

Under Robert’s leadership, Hiscox Germany became the flagship of Europe and expanded into areas including direct-to-consumer, technology and cyber insurance – with Hiscox now seen as a leader in the specialist insurance market in Germany.

Jon joined Hiscox in September 2022 as Chief Executive Officer, Hiscox UK. Prior to joining Hiscox, Jon held a number of senior roles within the industry, most recently as CEO of Allianz UK for eight years – leading businesses with a collective nine million customers. Jon’s experience includes various claims roles within Chubb and Commercial Union; he also served as Chair of the ABI between 2019 and 2021. He is a law graduate from the University of Cambridge and a Fellow of the Chartered Insurance Institute.

Stéphane was appointed Group Chief Operations and Technology Officer in September 2022 having previously held a number of senior roles across the Group, most recently as Group Chief Transformation Officer and Interim CEO, Hiscox UK.  Stéphane joined Hiscox in 2010, originally as Chief Operating Officer for Europe, and then as the Group’s Chief Information Officer, before spending four years as Chief Executive Officer of Hiscox Europe. Prior to joining Hiscox, he worked across a number of sectors within Financial Services for companies such as Paribas, CapitalOne and AIG, in France, the United Arab Emirates and Spain.

Nicola joined Hiscox in September 2022 as Chief People Officer. Nicola has over 20 years’ HR experience gained across the UK, USA and Europe. This includes 17 years at ING Group in a range of Group and business division roles, where she oversaw HR transformation, redesign of the business models for analytics and innovation, and enhanced succession planning while championing diversity and equity.

Kevin joined Hiscox in 1996 and soon created Hiscox’s first direct online business in the UK; initially for home insurance and later on for commercial clients. 

In 2009, Kevin relocated from London to New York to oversee the launch and development of Hiscox’s US digital small business operation which, from a standing start, now serves over 460,000 small business customers. 

Kevin has been instrumental in driving forward Hiscox’s ambition of becoming a leading provider of small business insurance in the US. In May 2021, he was named CEO of Hiscox USA.

Since joining Hiscox in 1992, Paul has underwritten a broad range of business lines including fine art, high-value household, personal accident and specialty. Paul was appointed to the Hiscox partnership in 2005, and made Divisional Head of Property of Hiscox London Market in 2007. In April 2013, Paul was promoted to Chief Underwriting Officer, Hiscox London Market, and as joint active underwriter of Syndicate 33. Before joining Hiscox, Paul worked as an underwriting assistant for C P Attenborough Syndicate 144 at Lloyd’s and for broker E W Payne.

Kate joined Hiscox in June 2012 to run the UK Direct business, leading a team of over 200 people across three locations with accountability for sales, marketing, operations, and underwriting. Having built UK Direct into a market-leading operation with a strong brand and a culture of creating customers for life, Kate was promoted to the newly created role of Chief Executive Officer of Hiscox London Market in 2017. Prior to joining Hiscox, Kate worked for Vodafone for 12 years. As Head of International Enterprise at Vodafone, she identified a significant new opportunity to serve multinational clients globally and built an effective operation to support the venture. Kate started her career at Anderson Consulting (now Accenture).

Kathleen joined Hiscox in January 2021 as Chief Executive Officer, Hiscox Re & ILS.

Previously Chief Executive Officer of Hamilton Re, Kathleen spent her early career at ACE in a variety of actuarial and underwriting roles, rising to Chief Underwriting Officer for International Property at ACE Tempest Re in 2005, based in Bermuda. Kathleen joined Hamilton Re in 2013 as Chief Underwriter (Property), and was appointed CEO in 2014, a post she held until 2020.

Kathleen is a Fellow of the Casualty Actuarial Society, served in 2020 as the Chair of the Reinsurance Association of America, and is the former Chair of Women in Reinsurance – an organisation she co-founded.

She has a Bachelor of Science in Mathematics from Drexel University, Philadelphia, was inducted into The Drexel 100 alumni hall of fame in 2019, and currently serves on the Drexel University Board of Trustees.

Marc joined Hiscox in 2017. Based in Bermuda, Marc provides legal guidance to the Executive Committee and is the Principal Representative to the Bermuda Monetary Authority for Hiscox Bermuda, where he is a member of the Board. Marc joined Hiscox from PartnerRe Group, where he acted as Chief Legal Counsel and Secretary to the Board. Prior to joining PartnerRe, Marc was an Associate with Appleby, having trained as a solicitor at Berrymans Lace Mawer in London. Marc is a non-practicing member on the Roll of Solicitors of England & Wales and was called to the Bermuda Bar in 2001.