Hiscox plc is a specialist insurance group, engaged in the field of providing solutions to unusual problems or risks. The company sells a variety of insurances for its client and his business. The company doesn't provide insurance for the mass market but creates individual policies to suit the specific needs of its niche clients. The two main underwriting parts of the Group are the Hiscox Insurance Company and Hiscox Syndicate 33. Hiscox Syndicate 33 underwrites its business at Lloyd's. For individuals the company offers the following protection: Bloodstock: Hiscox offers insurance of valuable horses. Classic Cars: for cars built pre-1980, the company covers vehicles against physical damage, vandalism or loss. Fine Art and Collections: The company also covers depreciation in the event of damage High Value Household and Contents (UK and Worldwide) for homes of higher than normal value. Kidnap and Ransom: The company covers celebrities, wealthy individuals and heads of large companies against the threat of extortion, kidnap and ransom. Personal Accident and Travel: The company can cover the client against personal injury both at home and abroad. For businesses the company offers the following protection: Aerospace, Telecommunications and Satellites: The company covers the entire life of a satellite, from construction and launch to its life in orbit. It also covers cables for telecoms. Banks and Specie: The company covers valuables, cash, diamonds and valuable paper, in transit and on premises. Contingency: cover for costs and expenses incurred as a result of something like an event cancellation. Directors and Officers' Liability: The company offers protection for the client if he might be held financially liable in his professional capacity. Employment Practices Liability: protection against claims such as unfair dismissal, or racial or sexual discrimination. Energy: The company covers all aspects of exploration, production, transmission, processing and distribution for large drilling contractors and independent oil/gas companies as well as major multinational corporations. Fine Art: The company offers protection for galleries and museums, including cover for items bought in good faith where there is a dispute over title. Hacker Attacks: The company can specifically protects the client against any damage to his system caused by hackers, loss of data and breach of privacy. Internet and E-mail: The company covers the client’s business against the damage caused by hackers and also the damage he inadvertently cause to others' systems. Kidnap and Ransom: The company offers heads of prominent organisations and companies cover against the threat of extortion, kidnap and ransom. Marine: The company can include hull, cargo and liability risks. Media Liabilities: The company has developed comprehensive professional indemnity insurance for the media industry, as well as production insurance for TV and film producers, advertising agents and commercial producers. Personal Accident and Travel: The company provides protection for the client and his employees while on business trips abroad. Political Risk: The company covers the client’s business against the political risk caused by unstable governments, economies and countries at war. Professional Indemnity: Advice given or services provided in a professional capacity for the client’s business or individually. Property: The company offers protection for whatever the client’s business owns, whether it's commercial property, an oil refinery or a shipping fleet, against a wide number of unforeseen risks. Reinsurance: The company is a provider of superior marine and non-marine reinsurance cover. Technology: The company protects the client’s systems against hackers, damage, business interruption and transmission of a virus. Terrorism: The company can cover the client’s organisation against acts of terrorism.
hiscox ltd (HSX:London Stock Exchange)
45 Reid Street
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