Hiscox scores 35/100 (Below expectations) on SINK's independent climate assessment — scored from public data only, no company payment can change a number. Last verified August 2026.
That places Hiscox joint 466th of 809 companies scored, and 7th of 10 in Insurance.
Hiscox discloses operational emissions with third-party verification but excludes financed/underwritten emissions—98% of its carbon footprint. Fossil fuel underwriting remains unresolved: the company has coal exclusions but no binding oil and gas phase-out, drawing criticism from Insure Our Future and Reclaim Finance. Operational targets lack SBTi validation.
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Same ten questions for every company. No private weighting.
SINK = (0.3 × Base + 0.7 × Performance) × ScaleStrongest on Carbon Footprint — Operations and Transparency & Accountability (7/10, 6/10). Weakest on Nature & Biodiversity Impact and Controversies & Red Flags (3/10, 4/10).
9 sources used in this assessment. All publicly available. Each row shows which rubric questions it informed.
“Our Scope 1-3 emissions (excluding investments) are independently verified to a reasonable assurance level.”
“In 2024, the total operational greenhouse gas (GHG) emissions of Hiscox amounted to 1,910 metric tons of CO2 equivalent.”
“In 2024 we added wording into our leases that supports our requirements to decarbonise our offices, this is termed as 'Green Leasing'.”
“The previous year, 2023, saw total emissions of approximately 25,914,000 kg CO2e, indicating a reduction in emissions year-on-year.”
“in that time, we have helped improve its performance from a C to a B score in 2022.”
“We participate in a number of key ESG indices including CDP, FTSE4Good and the Dow Jones Sustainability Index.”
“Hiscox Syndicates, as they have a commitment to stop underwriting risks related to new coal mines or new coal plants, but no commitment to stop underwriting risks related to new oil”
“Hiscox's ESG 3033 sub-syndicate claims that it provides 'insurance capacity exclusively awarded to businesses delivering exceptional ESG performance'”
“AIG, Tokio Marine and big Lloyd's insurers like Hiscox now need to move next.”
If you believe a source has been misread or a newer version exists, submit a challenge.
Where Hiscox sits among insurance peers.
Among the 10 major insurance brands we've scored, Hiscox sits 7th of 10.
Hiscox's score has moved from 47 to 35 across 2 recorded reviews — down 12 points.
v2.5.7 financed-emissions rule applied retroactively (record last scored before the rule): scale 0.95 -> 0.7, score 47 -> 35. No question marks changed.
Initial public score 47 (publish-draft)
This score is not currently being contested.
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No challenges submitted yet. If you have evidence that contradicts this score, you can challenge any question above — cite a public source and we'll review it.
Hiscox is a Bermuda-based specialty insurer founded in 1901, headquartered in Hamilton. The group operates as a Lloyd's of London market participant, underwriting commercial and personal insurance across property, casualty, marine, and professional lines globally, with a significant digital distribution footprint.
Direct competitor in specialty insurance; contrasting fossil fuel underwriting policy stance.
View breakdown →Peer general insurer; comparable scale and Lloyd's market participation in UK sector.
View breakdown →Major upstream energy producer; subject of Hiscox ESG syndicate and underwriting controversy.
View breakdown →Integrated energy firm; insured by Hiscox; fossil fuel expansion documented via LNG project.
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