Property and Casualty Insurance / Specialty Insurance
Strategic Profile
The company operates through Hiscox Retail, Hiscox London Market, Hiscox Re & ILS, and Corporate Center segments, with the majority of revenue generated from Hiscox Retail, representing retail business divisions in the UK, Europe, the USA, and Asia. Its diversified business model and distribution platforms provide access to growing markets in Retail and attractive high-quality growth opportunities in big-ticket business.
Cyborg Score Rationale
Group insurance contract written premiums increased 5.9% with Hiscox Retail on track to deliver growth in excess of 6% in constant currency in 2025. The company maintains solid profitability and positive momentum, though exposure to catastrophic losses and competitive market pressures create some headwinds.
Top Insights
Hiscox UK grew written premiums 8.0% with positive momentum from marketing investments, productivity improvements, and distribution deals signed in 2024-2025.
2024 revenue increased 2.94% to $3.81 billion, though earnings declined 11.91% year-over-year.
Art and private client business maintained strong double-digit growth, with brand campaign extended from commercial customers into the high-net-worth segment.
Share buyback program progressing with 10.5 million shares repurchased for $179.4 million as of November 2025.
Named Competitors
Beazley — Specialty insurer with focus on insurance and reinsurance
Cincinnati Financial — Property and casualty insurer
CNA Financial — Specialty property and casualty insurance provider
American Financial Group — Property and casualty insurance company
Recent Developments
(November 2025) Q3 trading statement showed 5.9% growth in group insurance contract written premiums to $4.05 billion
(November 2025) Appointed Peter Clarke, former CEO of hedge fund Man Group, as chair designate
(September 2025) Investment deal with Coterie Insurance (later-stage venture capital)
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