Joseph Pennyfather

Binding Authorities Line Underwriter
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Joseph Pennyfather

About Joseph

I am an Underwriter in the London Market Property division, specifically working on US Flood. I underwrite both residential and commercial flood risks throughout the USA, predominantly via binding authority contracts. Our aim is to optimise our portfolio whilst growing profitably and providing a sought after product to our customers throughout the U.S. I joined Hiscox in Nov 2021 after spending my previous 13 years at Tokio Marine Kiln. Here I was an underwriter on the US property team working across a range of classes including, residential, commercial and lender placed business, with perils ranging from wind to flood to quake. In between underwriting the large binding authority book, I also participated on open market risks. Prior to TMK I started my insurance career at Aviva where I spent 2 years before moving into the London Market. I hold the Advanced Diploma in Insurance (ACII) qualification.

In my spare time I enjoy keeping fit, eating good food and travelling. I am also a lifelong Arsenal fan.


With a wider scope of cover and choice of higher limits, Hiscox FloodPlus offers more comprehensive protection than alternative flood products currently available. 

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US in the eye of two storms

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