Contents
About the Hiscox Group
2 Corporate highlights
3 Why invest in Hiscox?
4 Chairman’s statement
7 Chief Executive’s report
13 Hiscox business structure
14 Actively managed business mix
15 Actively managed key
underwriting exposures
16 Capital
Financial review
18 Group financial performance
20 Group investments
Governance and remuneration
23 Risk management
28 Corporate responsibility
30 Insurance carriers
34 Board of Directors
36 Corporate governance
39 Directors’ remuneration report
47 Directors’ report
48 Directors’ responsibilities statement
Financial summary
50 Independent auditors’ report
51 Consolidated income statement
51 Consolidated statement of
comprehensive income
52 Consolidated balance sheet
53 Consolidated statement
of changes in equity
54 Consolidated statement
of cash flows
55 Notes to the consolidated
financial statements
104 Five year summary