This case study describes how Hiscox used location intelligence to improve underwriting performance and drive innovation in its U.S. primary insurance business. Headquartered in Bermuda, Hiscox operates through a network of managing general agent partners and covers traditional catastrophe risks such as hurricanes and earthquakes, as well as expanding into private flood insurance. As its delegated authority business grew, the company faced challenges in maintaining underwriting rigor, consistency, and visibility across a widening portfolio. By leveraging Moody’s Location Intelligence API, Hiscox strengthened risk assessment at the property level, improved data‑driven decision‑making, and achieved better underwriting outcomes while supporting scalable growth across its MGA channels.

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