What Hiscox Nederland does

Hiscox Nederland is the Dutch distribution and servicing arm of Hiscox Group plc, a London-listed specialty insurer (LSE: HSX) founded in 1901. Operating through the local entity Hiscox Assure S.A.S. (KvK 72449845) headquartered at Arent Janszoon Ernststraat 595B in Amsterdam, the business underwrites and distributes a specialty insurance portfolio split across two pillars: commercial lines for Dutch entrepreneurs (professional liability, general business liability, CyberClear cyber insurance, and directors & officers coverage) and personal lines for affluent individuals (classic cars, fine art, home-and-art, and vacation-home insurance). The company positions itself around "bijzonder verzekeren" — insuring complex or unusual risks that mainstream carriers decline — and serves three primary customer segments: ZZP freelancers and self-employed professionals, small and medium-sized businesses, and high-net-worth individuals.

The product stack is delivered through a hybrid digital-and-intermediary channel. Customers can obtain professional liability quotes online within one minute and purchase directly through a self-service application, while a network of independent insurance advisors (tussenpersonen) and authorized agents (gevolmachtigden) handles more complex coverage needs via a dedicated advisor portal. The underlying technology stack runs on Microsoft Azure, with HubSpot for CRM and marketing automation, OneTrust for cookie compliance, CloudFlare for CDN and bot management, FortiWeb for WAF, FullStory and Microsoft Clarity for session analytics, Optimizely for A/B testing, and Dynatrace for application performance monitoring. The CyberClear product bundles third-party value-added services (ICTRecht processor agreements, SIDN CyberSterk vulnerability scans, CyberClear Academy training) and integrates a SafeCall 24/7 multilingual whistleblower hotline.

Revenue is generated through insurance premiums collected on subscription-style annual or monthly billing cycles, with pricing calculated per risk profile, profession type, coverage limits, and deductible selection. Specific premium levels are not publicly disclosed. The Dutch subsidiary operates with approximately 11 local employees, with underwriting and capital ultimately sitting at Hiscox SA (Luxembourg) and Hiscox Syndicates Limited (London, Lloyd's). Hiscox Nederland is regulated under Dutch (AFM/DNB), Luxembourg (CAA), UK (FCA), and French authorities and holds Cyber Essentials certification.

Name

Hiscox Nederland

Legal name

Hiscox SA

Website

https://hiscox.nl

Company type

Public

Founded year

1901

Operating status

Operating

Headcount range

11–50 employees

Short description

Hiscox Nederland is the Dutch specialty insurance arm of Hiscox Group plc, distributing professional liability, cyber, D&O, and high-net-worth personal insurance to ZZP freelancers, SMBs, and affluent individuals via direct online and intermediary channels.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

Direct Insurance (except Life, Health, and Medical) Carriers (52412)

SIC

Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Inland Marine / Personal Articles & Valuable Items Insurance (FSAJACAJ)

akta.pro secondary industries

Fine Art, Jewelry & Specie (FSAJAGAL), Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Professional liability insurance
• Cyber insurance
• Directors and officers insurance
• High net worth insurance
• Classic car insurance

Headquarters

HQ city

Amsterdam

HQ country

Netherlands

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Hiscox generates revenue through collecting insurance premiums from policyholders. Premiums are collected according to agreed payment schedules (monthly, annual, or pay-as-you-go depending on policy terms). The company offers various commercial and personal insurance products including professional liability (beroepsaansprakelijkheid), business liability, cyber insurance, and high-value personal property coverage. Premiums are calculated based on risk assessment, coverage limits, and deductible choices.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Hiscox Nederland sells specialty insurance products to Dutch freelancers, small and medium businesses and high-net-worth individuals. The business portfolio covers professional liability (Beroepsaansprakelijkheid), general business liability, cyber insurance (CyberClear by Hiscox), and directors and officers liability. The personal portfolio covers classic cars, fine art, combined home and art, and holiday homes. Policies are underwritten by Hiscox SA and related Hiscox entities and distributed both directly online and through independent Dutch insurance advisors.

Product overview

Hiscox Nederland operates as a diversified insurance provider offering both business and personal insurance products. The business portfolio includes professional liability insurance (Beroepsaansprakelijkheid), general liability insurance (Bedrijfsaansprakelijkheid), cyber insurance (CyberClear), and directors & officers insurance. The personal insurance segment covers classic car insurance, fine art and home insurance (Huis en Kunst), and holiday home insurance (Recreatiewoning). Products are sold directly online and through insurance advisors, with customizable coverage options for freelancers (zzp'ers), SMEs, and high net worth individuals.

Differentiator

Problem solved

Functional benefit

Brands

• CyberClear by Hiscox: Cyber and data risk insurance product covering hacking, system intrusion, lost data, data theft, and other forms of cybercrime. Previously known as CyberClear.
• CyberClear Academy
• CyberClear
• CyberClear by Hiscox

Products and services

• Beroepsaansprakelijkheidsverzekering (Professional Liability Insurance) Professional liability insurance for Dutch freelancers (ZZP) and small businesses covering financial consequences of professional mistakes such as wrong advice, missed deadlines, contract breaches, financial loss from professional errors, confidentiality violations and intellectual property infringement.
• Bedrijfsaansprakelijkheidsverzekering (General Business Liability) General liability insurance for ZZP and small businesses covering material damage or personal injury caused to third parties during work activities, such as damaging a client's laptop or a client tripping over equipment.
• CyberClear by Hiscox (Cyber Insurance) Cyber and data risk insurance covering hacking, system intrusion, lost data, data theft and other forms of cybercrime. Includes 24/7 incident response and prevention services such as the Cyber Exposure Calculator, SIDN CyberSterk trial and ICTRecht processor agreements.
• Bestuurdersaansprakelijkheidsverzekering (Directors and Officers Liability) Directors and officers liability insurance covering claims against board members, commissioners or supervisors for errors made in governance of the company.
• Classic Cars Verzekering Specialized insurance for classic and collector automobiles covering high-value vintage vehicles for Dutch high-net-worth individuals.
• Kunstverzekering (Fine Art Insurance) Insurance for valuable art collections and fine art pieces tailored for high net worth individuals.
• Huis en Kunst (Home and Art) Combined home contents and art insurance product bundling coverage of the residence and its valuable contents for affluent households.
• Recreatiewoning Verzekering (Holiday Home Insurance) Holiday home and recreational property insurance covering Dutch vacation homes and recreational residences.

Quantifiable outcome

• Premium calculation available within 1 minute through online tool
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Three partnerships are on record, tiered minor.

• CyberClear Academy PartnersminorStrategic or Co-development PartnerTraining partnership that provides cyber risk awareness education to Hiscox customers and their employees, focusing on recognizing phishing emails and social engineering tactics used by cybercriminals.
• Verbond van VerzekeraarsminorOthersDutch insurance industry association that Hiscox participates in as a member, following industry codes and standards for data processing (Gedragscode verwerking persoonsgegevens verzekeraars).
• SODA (Service Organisatie Directe Aansprakelijkstelling)minorOthersExternal collection agency that Hiscox uses to recover costs of fraud investigations and incorrectly paid claims. Works with police, justice department, and Verbond van Verzekeraars.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• ASR Nederland:
• Nationale-Nederlanden: One of the largest Dutch insurers (part of NN Group) with strong SMB and consumer presence. Comparable to Hiscox in serving Dutch ZZP/SMB customers but competes as a full-stack incumbent rather than a specialty underwriter.
• Aegon Nederland: Dutch mass-market insurer offering life, P&C and group insurance through bank and broker channels. Overlaps with Hiscox on SMB liability and personal lines but as part of a much broader product portfolio rather than specialist niche focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/hiscox-nederland

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

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 Nederland