Hiscox

Hiscox is a specialist insurer with over 100 years of operating history in the UK, offering bespoke insurance products across business, personal, and high-value home categories. For family offices and private wealth clients, the most relevant offering sits within its Art and Private Client division, which operates as a distinct underwriting unit with dedicated regional teams covering both new business and renewals across the UK. Policies are structured for high net worth households rather than standard residential buyers, with coverage features including unlimited buildings sum insured, all-risks contents cover, fine art single article limits up to £25,000, and an unoccupancy period of 180 days or longer.

The private client product is distributed exclusively through brokers, not direct to policyholders. Hiscox underwrites in-house and maintains dedicated underwriter contacts by region, which means a broker serving a family office can negotiate terms with named specialists rather than a central call centre. Key features of the high-value home product include:

• Public liability cover up to £10 million
• Legal expenses cover as standard, with indemnity up to £100,000
• Matching items cover in full for pairs and sets
• Worldwide personal possessions cover for up to 90 days
• Monthly direct debit with no interest charges or administration fees

Hiscox holds Chartered Insurer status from the Chartered Insurance Institute, holds a Defaqto 5-Star rating for home insurance for fourteen consecutive years, and won the Feefo Platinum Trusted Service Award in 2026 for the seventh consecutive year. For family offices that manage high-value residential properties, art collections, or multiple properties under a single landlord policy, Hiscox provides a credible broker-distributed alternative to standard insurers. Families seeking direct-purchase or digital-first underwriting relationships will find the broker-only distribution model a structural constraint.