Hiscox Limited is a Bermuda-based insurer. The Company is a holding company for subsidiaries involved in the business of insurance and reinsurance in Bermuda, the United States, the United Kingdom, Guernsey, Europe and Asia. It operates through four segments: Hiscox Retail, Hiscox London Market, Hiscox Re and Corporate Centre. Hiscox Retail consists of Hiscox UK and Europe, and Hiscox International, which provides personal lines cover and commercial insurance. Hiscox London Market consists of the internationally traded insurance business, including lines in property, marine and energy, casualty and other specialty insurance lines. Hiscox Re is the reinsurance division of the Company, combining the underwriting platforms in Bermuda, London and Paris. The Corporate Centre consists of the investment return, finance costs and administrative costs associated with its management activities.