Business structure

Structured by geography and product, our long-held business strategy has helped us grow from a niche Lloyd’s underwriter to an international insurance group with a powerful consumer brand.

Big-ticket – these are the biggest insurance risks we underwrite and are normally traded internationally and through a broker.

Retail – smaller or more specialist risks where we work with our clients either directly or through a broker.

Read more about our business units:


Hiscox UK

Business lines About Management
  • Business risks incl. small business, media and entertainment, events, professional liability, property and cyber
  • Home
  • Travel
  • Motor
  • Fine art and collections
  • Private client

We have a long history of providing specialist home insurance cover for homes and their contents, valuables and collections.

We also provide extensive business insurance, finely tuned to the needs of over 300,000 SMEs, professionals and consultants in the UK.

Bob ThakerBob Thaker 
CEO, Hiscox UK


Hiscox Europe

Business lines About Management
  • Business risks incl. small business, media and entertainment, events, professional liability, property and cyber
  • Kidnap and ransom
  • Home
  • Fine art and collections
  • Classic car

Growing across Europe, we underwrite specialist home and business risks in France, Germany, The Netherlands, Belgium, Spain, Portugal, and Ireland.

In 2018 we opened an office in Luxembourg.

Robert Dietrich

Robert Dietrich
CEO, Hiscox Europe


Hiscox USA

Business lines About Management
  • Business risks incl. small business, media and entertainment, executive risk, kidnap and ransom, casualty and cyber.

Hiscox has a long history of insuring US customers through Lloyd’s. In 2006, we opened up our own US insurance company and now work from ten US destinations, insuring customers anywhere in the country.

Available to businesses via their brokers or online, we aim to do things a little differently and, in doing so, create market-leading insurance products and services. 


Steve Langan
CEO, Hiscox USA



Business lines About Management
  • Car
  • Motorcycle
  • Travel

Our aim is to change the face of insurance in Singapore and Thailand by delivering quality products at more affordable prices. 

Firmly established as one of Singapore’s leading online insurers, we are working hard to build our presence in Thailand.

Celine Chotitham

Celine Chotithamaporn 
CEO, DirectAsia

Business lines About Management
  • Casualty
  • Property
  • Marine and energy
  • Specialty
  • Crisis management
We are one of the oldest, biggest and most successful Lloyd’s syndicates. From flood cover for US homeowners to oil rigs in the Gulf of Mexico, we bring a dynamic blend of insurance capacity and underwriting experience, whatever the size and complexity of the risk. 

Kate Markham

Kate Markham
CEO, Hiscox London Market

Business lines About Management
  • Property reinsurance and retrocession
  • Specialty
  • Marine
  • Insurance-linked strategies

We believe that reinsurance is not a commodity purchase, preferring to work with our brokers and clients in constructive partnership, offering creative solutions to complex problems.

Our aim is to add real value by combining technical underwriting expertise with common sense, leading to the successful development of new products and alternative risk transfer solutions for our clients.

Kathleen Reardon

Kathleen Reardon
CEO, Hiscox Re & ILS