Founded in 1901 as a single underwriter at Lloyd's of London, Hiscox has grown into a leading international insurance group. The company specializes in providing tailored insurance coverage for small and medium-sized businesses, as well as high-value personal assets such as fine art, luxury homes, and classic cars. Hiscox operates through three main segments: Hiscox Retail, which serves commercial and personal lines customers in the UK, Europe, and the US; Hiscox London Market, which underwrites internationally traded, larger-value business; and Hiscox Re & ILS, which provides reinsurance for a range of global risks. The company is known for its expertise in niche and complex risk areas.