401(k) Savings Plan
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 11-K

(Mark one)

     
þ   ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 FOR THE FISCAL YEAR ENDED DECEMBER 31, 2003

OR

     
o   TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ________________ to __________________.

Commission file number 0-20766

HCC INSURANCE HOLDINGS, INC. 401(k) PLAN

HCC INSURANCE HOLDINGS, INC.

(Name of Issuer of the securities held pursuant to the Plan)

13403 Northwest Freeway
Houston, Texas 77040

(Address of principal executive office)

(713) 690-7300
(Registrant’s telephone number, including area code)



 


TABLE OF CONTENTS

REQUIRED INFORMATION
EXHIBITS
SIGNATURES
Consent of PricewaterhouseCoopers LLP
Consent of Ham, Langston & Brenzina, L.L.P.
401(k) Plan Financial Statements & Schedules


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REQUIRED INFORMATION

1.   Audited Statement of Net Assets Available for Benefits as of December 31, 2003 and 2002. Incorporated by reference to the HCC Insurance Holdings, Inc. 401(k) Plan Financial Statements and Supplemental Schedules attached hereto as Exhibit 99.1.
 
2.   Audited Statement of Changes in Net Assets Available for Benefits for the year ended December 31, 2003 and 2002. Incorporated by reference to the HCC Insurance Holdings, Inc. 401 (k) Plan Financial Statements and Supplemental Schedules attached hereto as Exhibit 99.1.
 
3.   Notes to Financial Statements. Incorporated by reference to the HCC Insurance Holdings, Inc. 401(k) Plan Financial Statements and Supplemental Schedules attached hereto as Exhibit 99.1.
 
4.   Schedule I — Schedule of Assets (held at end of year) as of December 31, 2003. Incorporated by reference to the HCC Insurance Holdings, Inc. 401(k) Plan Financial Statements and Supplemental Schedules attached hereto as Exhibit 99.1.

EXHIBITS

     
Exhibit
  Description
23.1
  Consent of PricewaterhouseCoopers LLP
 
   
23.2
  Consent of Ham, Langston & Brezina, L.L.P.
 
   
99.1
  HCC Insurance Holdings, Inc. 401(k) Plan Financial Statements and Supplemental Schedules

 


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 SIGNATURES

     
The Plan
  Pursuant to the requirements of the Securities Exchange Act of 1934, the administrator of the HCC Insurance Holdings, Inc. 401(k) Plan has duly caused this annual report to be signed on its behalf by the undersigned thereunto duly authorized, in the City of Houston, State of Texas, on the 28th day of June, 2004.
         
  HCC INSURANCE HOLDINGS, INC. 401(k) PLAN
 
 
  By:   HCC Insurance Holdings, Inc., Administrator    
       
 
     
  By:   /s/ Christopher L. Martin    
    Name:   Christopher L. Martin   
    Title:   Executive Vice President   
 
         

 


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EXHIBIT INDEX

     
Exhibit No.
  Description
23.1
  Consent of PricewaterhouseCoopers LLP
   
23.2
  Consent of Ham, Langston & Brezina, L.L.P.
   
99.1
  HCC Insurance Holdings, Inc. 401(k) Plan Financial Statements and Supplemental Schedules