Understanding Hiscox’s A&E Appetite: A Practical Guide for Agents

Hiscox offers broad A&E and construction professional liability solutions — but success depends on accurate risk positioning.

1. Hiscox’s Appetite Is Role-Driven

Breakdown of:

• Architects & engineers

• Construction management (agency vs. at-risk)

• Contractors (GC, design-build, subcontractors)

Why role clarity matters more than job title.

2. Subcontracting = Underwriting Signal

What Hiscox looks for:

• % of work subcontracted

• Required limits

• Prequalification & certificates

• Pollution and professional liability controls

3. Risk Management Isn’t Optional

Key underwriting indicators:

• QA/QC programs

• Contract standards

• ADR and limitation of liability

• Peer review and inspection usage

4. Where Stuckey Fits In

Stuckey acts as:

• A filter (is Hiscox right?)

• A translator (how to present the risk)

• A connector (right carrier, right submission)