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Essential difference.

Sian Fisher, chief underwriting officer at Hiscox Insurance, tells Tim Collison how turning her back on the traditional professional indemnity market has helped the company find success by doing things a bit differently to other insurers.

Niche and innovative are two words that underwriters bandy about the
market ad infinitum, but they rarely apply to their own companies.


While, for many, the name Hiscox conjures up images of gilt-framed
pictures and Saville Row suits, it is one of the few insurance companies
that can truly claim to be niche and innovative.


The company was formed in 1996 out of the acquisition of Economic. Since
then, it has concentrated on just three areas of business: affinity
schemes, high net worth, and what it

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