Hiscox

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.

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

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

• Professional liability insurance
• Commercial insurance
• Cyber insurance
• Small business insurance
• Multi-risk insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. 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.
2. 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.
3. 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.
4. Business Owner Liability (RC Dirigeants): Directors and officers liability insurance protecting personal assets of business leaders in case of management errors.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core 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

Named customers3 records

Segments8 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• FeefominorOthersIndependent 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

Direct 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

• YouTubeyoutube.com/user/HiscoxFrance
• Facebookfacebook.com/HiscoxFrance
• LinkedInlinkedin.com/company/hiscox-assurance
• Instagraminstagram.com/hiscox_fr
• Xx.com/Hiscox_Fr

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hiscox