1、Hiscox LtdReport and Accounts20162 Strategic report2 Financial highlights3 Why invest in Hiscox?8 Chairmans statement10 Chief Executives report18 Building a balanced business20 Actively managed business mix21 Actively managed key underwriting exposures22 Capital25 Additional performance measures26 G
2、roup financial performance28 Group investments30 Feature:Anti-social networks35 Governance36 Risk management46 Corporate responsibility50 Insurance carriers54 Board of Directors56 Executive Committee58 Hiscox Partners60 Chairmans letter to shareholders61 Corporate governance66 Audit Committee report
3、68 Feature:Testing times73 Remuneration74 Chairman of the Remuneration Committees letter76 Remuneration policy report85 Annual report on remuneration 201692 Directors report95 Directors responsibilities statement96 Feature:Hooked on classics101 Financial summary102 Independent auditors report108 Con
4、solidated income statement108 Consolidated statement of comprehensive income109 Consolidated balance sheet110 Consolidated statement of changes in equity111 Consolidated statement of cash flows112 Notes to the consolidated financial statements164 Five-year summaryHiscox is a global specialist insure
5、r,headquartered in Bermuda and listed on the London Stock Exchange.We can trace our roots in the Lloyds market back to 1901 and our adaptability has meant we have evolved organically over time.We are now a diversified international insurance group with a powerful brand,strong balance sheet and plent
6、y of room to grow.Our values define our business,with a focus on quality,courage,excellence in execution and our people.1Hiscox Ltd Report and Accounts 20162 Strategic report35 Governance73 Remuneration101 Financial summary2Hiscox Ltd Report and Accounts 20162 Strategic report35 Governance73 Remuner