1、Hiscox LtdReport and Accounts2018Hiscox is a diversified international insurance group with a powerful brand,strong balance sheet and plenty of room to grow.We are listed on the London Stock Exchange,headquartered in Bermuda and currently have over 3,300 staff across 14 countries and 34 offices.We c
2、an trace our roots back to 1901 and have grown organically over time from our beginnings in the Lloyds market.Our ambition is to be a respected specialist insurer in key geographies and product lines,valued by our customers,business partners and shareholders.Our values define our business,with a foc
3、us on quality,courage,excellence in execution and our people.A specialist approachSee page 29.1 Strategic report41 Governance67 Remuneration97 Financial summary1Hiscox Ltd Report and Accounts 20182 Financial highlights3 Why invest in Hiscox?8 Chairmans statement10 Chief Executives report18 Building
4、a balanced business20 Actively managed business mix21 Actively managed key underwriting exposures22 Capital24 Group financial performance26 Group investments28 Additional performance measures29 A specialist approach42 Risk management52 Responsibility58 Board of Directors60 Chairmans letter to shareh
5、olders61 Corporate governance65 Audit Committee report68 Letter from Chairman of the Remuneration Committee70 Remuneration summary72 Annual report on remuneration 201884 Remuneration policy94 Directors report96 Directors responsibilities statement98 Independent auditors report104 Consolidated income
6、 statement104 Consolidated statement of comprehensive income105 Consolidated balance sheet106 Consolidated statement of changes in equity107 Consolidated statement of cash flows108 Notes to the consolidated financial statements160 Five-year summaryStrategic report201720183,286.03,778.32017201839.841