Legal Counsel

Hiscox; New York (NY); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health insurance

401(k) with company match

Paid time off & holidays

Parental leave

Job summary

Hiscox USA seeks a Legal Counsel to provide day-to-day legal support to the US business unit, partnering with stakeholders across underwriting, claims and operations. The role is based in Atlanta, Chicago, or Manhattan.

The team operates under Hiscox values and a collaborative culture to advance the business legally and compliantly. You will draft and review policy wordings, endorsements, TOBAs, and regulatory submissions, while advising on product strategies and compliance matters for

Qualifications

• 4+ years of law firm or in-house insurance industry experience in the property & casualty space.
• Understanding of P&C insurance products including cyber, D&O, E&O & GL.
• Experience with policy wordings, coverage and regulatory approval processes.
• Commercial contract negotiation experience.

Responsibilities

• Draft and review policy wordings and endorsements with clear language.
• Coordinate with state filings and regulators on submissions and inquiries.
• Support product/wordings updates and advise on regulatory trends.
• Draft and review services and distribution agreements such as TOBAs.
• Handle consumer complaints and regulator information requests.
• Advise on regulatory requirements affecting distribution, licensing, marketing.
• Collaborate with legal, compliance and control functions on projects.

Skills

Insurance law

Regulatory compliance

Contract negotiations

Cross-functional collaboration

Education

Juris Doctor (JD)

Job description

Build a brilliant future with Hiscox

Job Type

Permanent

Position

Legal Counsel

Reporting to

VP Legal, P&C

Location

Atlanta; Chicago; Manhattan

The Role

Join a collaborative team of legal professionals, where your contributions are crucial to the ambitious goals of our growing business. The Legal Counsel will provide day to day legal support to the US business unit, working in partnership with business stakeholders across the organization.

At Hiscox our spirit is in Challenging Convention and everything we do is guided by our Values.

What You’ll Be Doing

• Coordinate with partners across claims, operations, and underwriting to develop policy form wordings, including competitor market research. Coordinate with product partners to draft policy form endorsements aligning language to intent while minimizing potential ambiguity for legacy products.
• Partner with State Filings on form and endorsement submissions and intervening with state regulators to address identified filing inquiries.
• Support comprehensive product/wordings updates and re-design projects and advise on regulatory and litigation trends relevant to product strategies.
• Draft and review insurance services and distribution agreements, e.g., terms of business agreement (TOBA).
• Support issues related to consumer complaints, financial and market conduct examinations, and regulator information requests.
• Advising business units on insurance regulatory requirements impacting distribution, licensing, marketing, operations, etc.
• Collaborating across legal, compliance, and other control functions on projects as assigned.

Qualifications

• 4+ years of law firm or in-house insurance industry experience in the property & casualty space, preferably liability insurance.
• Understanding of property & casualty insurance products, including cyber, D&O, E&O & GL.
• Experience with insurance policy wordings, coverage, and regulatory approval processes.
• Commercial contract negotiation experience preferred.
• Strong understanding of insurance contract principles and regulatory requirements applicable to the industry.
• Strong organizational, time management, and project management skills.
• Capable of working independently and/or as part of a team.
• JD required.
• Admittance to at least one state.

Hiscox Values

• Courage: Dare to take a risk
• Ownership: Passionate, commercial and accountable
• Integrity: Do the right thing, however hard
• Connected: Together, build something better
• Human: Clear, fair and inclusive

What Hiscox USA Offers

• Competitive salary and bonus (based on personal & company performance)
• 401(k) with competitive company matching
• Comprehensive health insurance, vision, dental and FSA plans (medical, limited purpose, and dependent care)
• Company paid group term life, short- term disability and long-term disability coverage
• 24 Paid time off days, 2 Hiscox Days, 10 paid holidays, and ability to purchase 5 PTO days
• Paid parental leave
• 4 week paid sabbatical after every 5 years of service
• Financial Adoption Assistance and Medical Travel Reimbursement Programs
• Annual reimbursement up to $600 for health club membership or fees associated with any fitness program
• Company paid subscription to Headspace to support employees' mental health and wellbeing
• Recipient of 2024 Cigna's Well-Being Award for having a best-in-class health and wellness program
• Dynamic, creative and values-driven culture
• Modern and open office spaces, complimentary drinks

Salary Range

$120-$180k

The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment

About Hiscox USA

Hiscox USA underwrites small- to mid-market commercial risks through brokers, other insurers and distribution partners and directly to businesses. In 2026, gross written premiums for the segment will represent over $1bn. Circa 50% of the portfolio comprises small commercial business sold either online or through intermediaries, and the remaining 50% represents traditionally traded business intermediated through broking partners including Professions, Crisis Management and Specialist lines such as Media & Entertainment. Hiscox USA has built the digital business since 2010 through ongoing investment in the brand, technology and operational capabilities. The business has pursued an omni-channel approach since inception, and so are less constrained by the channel conflict which affects some competitors. Customers have a choice of buying policies online end-to-end, by connecting with a Hiscox agent over the telephone, or alternatively through a third-party broker or insurance carrier partner. The business follows an "all roads lead to Hiscox" philosophy, ensuring it is available to do business with target customers whichever way they choose.

Work with amazing people and be part of a unique culture