CERTIFICATION WITH RESPECT TO
                                ANNUAL REPORT OF
                          HCC INSURANCE HOLDINGS, INC.

         The undersigned, being the chief executive officer and chief financial
officer of HCC Insurance Holdings, Inc. (the "Company"), in compliance with the
White-Collar Crime Penalty Enhancement Act of 2002, 18 U.S.C. Section 1350, do
hereby certify to the best of their knowledge with respect to the Annual Report
of the Company on Form 10-K, as filed with the Securities and Exchange
Commission for the year ended December 31, 2002, (the "Report"):

1.       that the Report fully complies with all requirements of section 13(a)
         and 15(d) of the Securities Exchange Act of 1934, as amended; and

2.       that the information contained in the Report fairly presents, in all
         material respects, the financial condition and results of operations of
         the Company.










                                      
March 27, 2003                                         /s/ Stephen L. Way
----------------------                   ---------------------------------------------------------
          (Date)                                 Stephen L. Way, Chairman of the Board,
                                                  Chief Executive Officer and President

March 27, 2003                                         /s/ Edward H. Ellis, Jr.
----------------------                   ---------------------------------------------------------
         (Date)                           Edward H. Ellis, Jr., Executive Vice President and
                                                         Chief Financial Officer