Joseph Pennyfather

Flood Underwriter
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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.

Product
Flood

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

Product details

Featured insights

25th June 2020

US in the eye of two storms

Hurricane season has begun while the US still grapples with COVID-19. There are fears about how it will cope with both and what that means for homeowners.

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18th October 2019

Will the price be right?

The NFIP is planning a radical overhaul of its rating approach, which could mean price rises for some homeowners.

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