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.

• High-value home insurance for principal residences and listed buildings
• Fine art and private collections cover within home policy
• Multi-property landlord insurance for property portfolios
• Professional indemnity and public liability for family office operating entities
• Personal possessions cover including jewellery and valuables worldwide

• Unlimited buildings sum insured
• All-risks contents cover basis
• Fine art single article limit up to £25,000
• Public liability up to £10 million
• Legal expenses cover up to £100,000 as standard
• Unoccupancy period of 180 days or longer
• Worldwide personal possessions cover for up to 90 days
• Matching items cover in full for pairs and sets
• Monthly direct debit with 0% APR and no administration fees
• Multi-property landlord cover for up to 10 properties under one policy

Built for Single Family Office (SFO), Multi Family Office (MFO), Private Wealth Owners / Principals, Advisors / Wealth Advisors (RIA).

Phone and email support for brokers via regional teams; separate Art and Private Client team contacts for new business, renewals, and claims; open Monday to Friday, 9am to 5pm

Online quote available in minutes for business insurance; private client and art coverage arranged via broker