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Welcome to Hartford Steam Boiler

With over 148 years of industry leadership, Hartford Steam Boiler (HSB) sets the standard in equipment breakdown insurance, which was formerly called boiler & machinery insurance. Along with other specialty insurance and reinsurance coverages - including data and cyber risk, employment practices liability, contractors errors and omissions and identity theft insurance - HSB helps you stay ahead of emerging risks in a complex world.


HSB is rated A++ (Superior) by A.M. Best Company. As part of Munich Re we have the ability to leverage a global knowledge base to develop and deliver innovative, forward-thinking risk solutions with technical knowledge, superior risk solutions and customer commitment you can count on.


Our engineering and inspection services force is one of the largest in the world, with over 1,200 engineers, inspectors and technical personnel around the globe. We offer first-class inspection services, loss reduction and engineering-based risk management consultation for business, home and farm.


Hartford Steam Boiler is headquartered in Hartford, Connecticut, U.S. Through our affiliates in Canada and the United Kingdom we serve businesses, industries and institutions worldwide – from "Main Street" businesses to larger operations, such as manufacturing plants - and help them to avoid losses, as well as recover promptly from losses that do occur.


We provide specialty coverages and services, directly through independent agents and brokers, or through our reinsurance arrangements with over 200 multi-line insurance companies. We work with these companies to integrate equipment breakdown insurance and other specialty insurance into their commercial packages.

Helping customers drives all of our efforts

At Hartford Steam Boiler, helping customers drives all of our efforts. Whether it is their need to better understand risk, prevent accidents and loss, or obtain specialty insurance products at a more affordable price, our specialists provide the solutions our customers need. In a world full of risk, we are uniquely qualified to address these issues because of a combination of factors:

  • HSB is superbly capitalized and fully capable of meeting our obligations to HSB clients and policyholders. HSB is an industry leader in terms of the amount of capital it holds relative to its business profile.
  • A++ (Superior) Financial Strength Rating from A.M. Best Company.
  • HSB has a full suite of services to help our partners integrate specialty coverages into their own insurance products, without adding staff or structure, to help them distinguish their offerings in the market, realize a new source of growth and create a competitive advantage.
  • HSB's skill in portfolio underwriting allows us to make vital coverages such as Equipment Breakdown, Identity Recovery, Data Compromise, and Employment Practices Liability more affordable, less expensive to process, and easier to distribute.
  • HSB has a superb reputation for fair and prompt claim service. Our claim services focus on reducing the size of insureds’ loss and expediting restoration of their business or operations.
  • Jurisdictional inspection service of boilers and pressure vessels is a built-in benefit with every HSB Equipment Breakdown policy or program.
  • HSB employs the largest inspection force of its kind in the world. Our staff is geographically positioned so that they are close to customers and can respond to their needs faster and more efficiently.
  • HSB’s jurisdictional inspection service for boilers and pressure vessels is unequaled. HSB has a unique proactive inspection service strategy that helps to identify insureds with equipment that local law or code requires be inspected. With our national network of inspectors and computerized work management systems, we can complete the required inspections within jurisdictional requirements.
  • HSB owns one of the world’s largest databases of equipment failures and causes, giving us a more complete and accurate means of assessing risk.
  • Over 50 percent of our employees have an engineering or technical background.
  • Our advanced engineering knowledge gives HSB customers an edge in understanding and managing risk. Our staff includes authorities in electrical engineering, mechanical engineering, fire protection, infrared thermography, transformer oil testing and other specialized disciplines.
  • Because of our competence and ability to execute, our partners trust us to work with them on their core business; in product development, underwriting, filings, systems support and building market acceptance and preference for new and enhanced coverages.
  • At HSB, we treat our customer's business as if it was our own. In everything we do and every aspect of your business that we touch, we aim for perfection.
  • Trust, reliability and responsiveness — that’s what distinguishes HSB.
  • These reasons and more make Hartford Steam Boiler not only the sound choice of a prudent buyer but also the best one.


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