Hiscox Ltd
A global specialist insurer rooted in London's Lloyd's market, Hiscox covers small businesses, freelancers and professionals—with products like liability, cyber and coverage for unusual, high-value risks. It began in 1901, when the Roberts agency started underwriting marine insurance at Lloyd's; in 1946 Ralph Hiscox formed Roberts & Hiscox, giving the company its name. A fun quirk: Ralph's son Robert, who led the firm for decades, compared his business style to a terrier—tenacious and snappy.