Could you give us a brief overview of Hiscox PLC, including the companys history, products, or services?
Mr. Masojada: Hiscox is a business that has a revenue of about 500 million pounds in premium income in total, which is split probably 1/3 retail and 2/3 wholesale. It employs approximately 300 people. Its key product areas are the London Market business, insuring aerospace, technology, media, and telecom companies, insuring affluent individuals and their possessions around the world, and then insuring professional services firms, mainly in Europe. We can trace its history to 1901, but it was listed, in fact, on the stock exchange in 1996, so we have been a listed company for just over 48 months. TWST: Who do you compete with in this space? Mr. Masojada: In the each different segment we have different competitors, so I will answer according to their differing perspectives. In the affluent insurance segment, perhaps our biggest competitor around the world is Chubb Insurance Company of America. When Chubb got bigger in this space, particularly in the states, we were the leading specialty
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