Capital Protection
Insurance for the capital you have invested.
Hiscox issues formal policies that cover the invested amount, define a clear deductible and guarantee settlement of the insured sum on a validated claim event.
Invested Capital Cover
The insured sum equals the capital placed under our underwriting.
Formal Policy Issuance
Each programme is documented by a numbered, signed policy schedule.
Defined Deductible
An excess agreed up front; the only amount retained by the insured at claim.
Premium Calculation
Risk-based premium aligned to invested amount, term and exposure.
Claims Validation
Independent verification of the claim event before settlement is released.
Settlement Guarantee
The insured amount, net of deductible, is paid directly upon validation.
Defined Term
Cover incepts on the policy effective date and runs for the contracted term.
Custody Aligned
Cover is mapped to the custodian and operational account of the insured capital.
Policy, premium and deductible
Each Hiscox policy states three figures clearly on the schedule: the insured capital, the premium charged for the cover, and the deductible retained by the insured at the moment of claim. There are no hidden retentions and no discretionary haircuts on settlement.
Once the premium is paid and the policy is in force, the insured amount is fully exposed to settlement should a covered event occur — Hiscox responds for the loss above the deductible up to the policy limit.
Specimen schedule
- Insured capital
- As declared on placement
- Premium
- Risk-based, quoted in advance
- Deductible (excess)
- Fixed amount per claim
- Policy term
- 12 months, renewable
- Settlement
- Insured amount, net of deductible
Designed for qualified investors
Our underwriting desk structures policies for individual qualified investors, family offices and fund vehicles whose capital is allocated to regulated operations.
Speak to underwriting