Hiscox
Hiscox SA is the French arm of UK-listed Hiscox Group, providing digital-first professional liability and multi-risk business insurance to auto-entrepreneurs, freelancers, and small businesses via online subscription, inside sales, and broker channels.
- Company typePublic
- Founded1901
- HeadquartersParis, France
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Hiscox does
Hiscox SA is the French operating entity of UK-listed Hiscox Group, a specialist insurer founded in 1901 and a member of the Lloyd's of London market. The French business targets auto-entrepreneurs, freelancers, independents, and small businesses (TPE/PME up to roughly €5M in annual revenue), distributing professional liability (Responsabilité Civile Professionnelle / RC Pro), multi-risk business coverage (Multirisque Professionnelle / MRP), and a stack of add-on modules including CyberClear (cyber), RC Exploitation, RC Employeur, Protection Juridique, RC Dirigeants, RC Décennale, and Tous Dommages Matériel Informatique. Coverage is structured across three tiers — L'Essentiel, L'Équilibré, and L'Intégral — with combined activity-and-premises packages starting at €46.63/month and entry-level RC Pro priced from €12.70/month.
The platform is built around a fully digital self-serve funnel: customers obtain quotes in approximately three minutes, receive immediate certificates by email upon subscription, and manage contracts through a 24/7 online portal (Mon Espace). Underwriting is supported by a structured taxonomy of 1,500+ activity definitions and 300+ wellness disciplines that enable standardized policy language per profession. Distribution combines direct online subscription, an inside sales team in Compiègne, and a dedicated broker/courtier partner portal (myhiscox-partenaire.fr); a referral and affiliate program via aklamio supplements acquisition. All products are sold on a monthly subscription basis with auto-renewal (tacite reconduction), and the company reports 170,000+ clients in France and 220,000+ across Europe, with verified customer satisfaction above 93% (Feefo 4.9/5 across 4,366 reviews).
Revenue mechanics are recurring subscription-based insurance premiums, priced by activity type, revenue band, and coverage tier. The customer base is highly granular and fragmented across micro-business and SMB segments (IT, artisans, wellness, e-commerce, liberal professions, VTC, training), with no disclosed anchor accounts. The French entity operates within the financial strength and regulatory framework of the Lloyd's of London market via its publicly listed parent.
Hiscox firmographics
Firmographics- Name
- Hiscox
- Legal name
- Hiscox SA
- Website
- https://hiscox.fr
- Company type
- Public
- Founded year
- 1901
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Hiscox SA is the French arm of UK-listed Hiscox Group, providing digital-first professional liability and multi-risk business insurance to auto-entrepreneurs, freelancers, and small businesses via online subscription, inside sales, and broker channels.
- Ownership category
- akta.pro rank
Hiscox industry classification
Industry- Product category
- Commercial Insurance
- NAICS
- Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Carriers and Related Activities (524)
- SIC
- Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Mid-Market Commercial Package (Package Policies) (FSAJAFAB)
- akta.pro secondary industries
- Contractors BOP / Artisan Package (FSAJAFAD), Billing, Payments & Premium Finance Platforms (FSAGAGAI)
Keywords
Where Hiscox is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices2 records
Markets served
Hiscox business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Professional Liability Insurance (RC Pro): Core professional liability insurance product covering damages caused to third parties during business activities. Priced based on activity type, revenue, and coverage level selected. Available in three tiers: L'Essentiel, L'Équilibré, and L'Intégral.
- Multi-risk Professional Insurance (MRP): Business premises and contents insurance covering damage to property, business interruption, and civil liability related to premises. Modular coverage with optional extensions.
- Cyber Insurance (CyberClear): Optional cyber risk coverage protecting against data breaches, ransomware, and cyberattack consequences. Available as add-on to RC Pro or MRP policies.
- Business Owner Liability (RC Dirigeants): Directors and officers liability insurance protecting personal assets of business leaders in case of management errors.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | RC Pro - Mon Activité: Entry-level professional liability starting at €12.70/month |
| Subscription | Monthly | Multirisque Pro - Mes Locaux: Business premises coverage starting at €14.60/month |
| Subscription | Monthly | RC Pro + MRP Combined - Mon Activité & Mes Locaux: Full coverage package starting at €46.63/month |
| Subscription | Monthly | RC Pro by profession and revenue brackets |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
Hiscox product offering
Product offeringCore offering
Hiscox is a specialist insurer that underwrites and distributes professional liability (RC Pro) and multi-risk professional (MRP) insurance policies to freelancers, independents, auto-entrepreneurs, and small businesses in France, delivered through a digital self-serve platform with optional phone and broker channels. Core offerings are modular policies covering third-party liability, business premises and contents, employer liability, cyber risks, legal protection, and directors' liability, sold via tiered coverage formulas (L'Essentiel, L'Équilibré, L'Intégral) starting from €12.70/month for entry-level RC Pro.
Product overview
Hiscox is a specialist insurance provider offering professional liability and multi-risk business insurance products primarily for auto-entrepreneurs, freelancers, independents, and small businesses in France. The core product portfolio includes Responsabilité Civile Professionnelle (RC Pro) - professional liability insurance - and Assurance Multirisque Professionnelle (MRP) - multi-risk business insurance. These are supplemented by specialized add-on modules including CyberClear (cyber insurance), RC Exploitation, RC Employeur, Protection Juridique, Tous Dommages Matériel Informatique (TDMI), RC Décennale, and RC Dirigeants. Products are offered through three formula tiers (L'Essentiel, L'Équilibré, L'Intégral) providing graduated coverage levels. The company also offers niche products like Kidnapping & Extorsion insurance and association premises coverage. All products are distributed primarily through an online digital platform with quote and subscription capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- CyberClear: Cyber insurance product protecting businesses against digital risks, data breaches, and cyber attacks.
- Pro by Hiscox
- RC Pro
Products and services
- Responsabilité Civile Professionnelle (RC Pro)
- Assurance Multirisque Professionnelle (MRP)
Quantifiable outcome
- 220,000+ businesses insured across Europe
- +5 more outcomes
Companies that use Hiscox
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles3 records
Hiscox technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Hiscox partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- FeefominorIndependent customer review platform used for verified customer ratings and reviews. Hiscox displays Feefo ratings prominently on product pages (4.9/5, 4,366+ verified reviews). Used as social proof for customer satisfaction claims.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Hiscox competitors and assessment
Company assessmentDirect peers
- Lancashire Holdings Limited: Lancashire Holdings is a London-listed specialty insurer offering professional liability and specialty commercial lines globally. Comparable as a specialty-carrier peer operating in adjacent niche insurance segments to Hiscox.
- Beazley plc: Beazley is a London-listed specialty insurer and Lloyd's syndicate focused on professional liability, cyber, and specialty commercial lines for SMEs and mid-market — directly overlapping with Hiscox in cyber, D&O, and professional indemnity underwriting.
- Markel International: Markel International underwrites professional indemnity, D&O, and specialty commercial insurance for SMEs and mid-market clients across Europe. Directly comparable specialty-insurer peer with similar niche, multi-line focus.
Broad incumbents
- Allianz France: Allianz France offers professional liability and multi-risk commercial packages targeting French SMBs, independents, and artisans. Comparable in product breadth but operates via traditional agent/broker distribution rather than Hiscox's digital-led motion.
- Crédit Agricole Assurances: Crédit Agricole Assurances distributes P&C and professional liability products to French SMBs through the Crédit Agricole banking network. Broad incumbent peer competing for the same French professional and SMB insurance wallet.
- AXA France: AXA is the largest P&C insurer in France and offers RC Pro, MRP, and cyber products to French professionals and SMBs. A broad incumbent with overlapping product set but distributed primarily through agents rather than digital-first channels.
- Generali France: Generali France is a major P&C and life insurer serving French professionals and businesses with RC Pro, multi-risk, and cyber products. Broad incumbent peer with overlapping product portfolio but traditional distribution model.
- Hiscox Group plc: Hiscox Group plc is the London-listed parent of Hiscox SA France, also operating through Lloyd's of London. Directly comparable as a specialty insurer focused on professional liability and niche commercial lines across multiple geographies, with Hiscox France being one of its largest European operations.
Emerging players
- Alan SA: Alan is a French digital health insurer that has expanded into broader professional insurance for SMEs and independents. Emerging player targeting the same French SMB/indépendant segment with a digital-first, product-led approach analogous to Hiscox's GTM motion.
- Wakam: Wakam is a French B2B2C insurtech building embedded and digital-first insurance products, including cyber and professional liability, targeting European SMBs and platforms. Emerging player competing for the same digital, activity-specialized distribution opportunity Hiscox occupies.
Market position
Strengths5 records
Weaknesses3 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Hiscox social profiles
Digital presenceHiscox financial estimates
Financial estimateRevenue estimate
Valuation estimate
Hiscox leadership team
Management profileNumber of profiles
Hiscox funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Hiscox M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Hiscox
What does Hiscox do?
Hiscox is a specialist insurer that underwrites and distributes professional liability (RC Pro) and multi-risk professional (MRP) insurance policies to freelancers, independents, auto-entrepreneurs, and small businesses in France, delivered through a digital self-serve platform with optional phone and broker channels. Core offerings are modular policies covering third-party liability, business premises and contents, employer liability, cyber risks, legal protection, and directors' liability, sold via tiered coverage formulas (L'Essentiel, L'Équilibré, L'Intégral) starting from €12.70/month for entry-level RC Pro.
Is Hiscox a public or private company?
Hiscox is a public company. It is classified as public and is currently operating.
When was Hiscox founded?
Hiscox was founded in 1901. It employs 101 to 250 people.
Where is Hiscox based?
Hiscox is headquartered in Paris, France, in the Europe region.
How does Hiscox make money?
Four revenue lines are on record. Professional Liability Insurance (RC Pro) is the primary driver. The others are multi-risk Professional Insurance (MRP), cyber Insurance (CyberClear) and business Owner Liability (RC Dirigeants).
Who are Hiscox's main competitors?
Direct peers on record are Lancashire Holdings Limited, Beazley plc and Markel International. Broad incumbents are Allianz France, Crédit Agricole Assurances, AXA France, Generali France and Hiscox Group plc. Emerging players are Alan SA and Wakam.
Does Hiscox have an API?
No public API is recorded for Hiscox.
What industry is Hiscox in?
Hiscox's product category is Commercial Insurance. Its primary akta.pro industry code is FSAJAFAB, Mid-Market Commercial Package (Package Policies), with a secondary code of FSAJAFAD, Contractors BOP / Artisan Package. Its NAICS code is 52412 and its SIC code is 6399.