Specialty insurance programs
However you do business ― HSB is there.
Explore the types of programs we write
Monoline programs
| Classes of Business | Coverages Provided | Why choose HSB? |
|---|---|---|
| HSB has a broad appetite and can write most classes of business. We have programs in place for municipalities, habitational and recreational risks, and more. | Equipment Breakdown | HSB’s unrivaled jurisdictional inspection services as well as a simple, stable solution for EB paired alongside a complex quota share Property program. |
| Commercial, habitational, municipal and religious institutions | Equipment Breakdown and HSB Sensor Solutions | HSB’s water and freeze sensors addressed a critical exposure for policyholders. |
| Appetite for small to middle-market businesses. Recent success with a program for CPAs and lawyers. | Cyber | Monoline Cyber coverage pairs well with specialized liability program. Highly exposed class of business needed coverages/limits not available by endorsement to an underlying form. |
Package binding authority programs
| Line of business | Coverage enhancements | Why choose HSB? |
|---|---|---|
| Commercial Package and Property | Equipment Breakdown, Employment Practices Liability+ | One-stop shop on a package approach across multiple programs supported by a fronting carrier, leveraging HSB’s expertise for jurisdictional inspections, claims service, loss control, and sensor solutions. |
| Commercial Package and Professional Liability | Cyber Suite | Ability to add a robust Cyber coverage that also includes cyber risk management and claims services via an endorsement to the Professional Liability policy. |
| Homeowners | Home Systems Protection, Service Line, and Home Cyber Protection | Ability to add market-leading coverages for homeowners via endorsements to cover exposures not covered on the underlying policy. |
Delegated authority programs
| Classes of Business | Coverages Provided | Why choose HSB? |
|---|---|---|
| Small to mid-sized businesses | Non-admitted cyber, including Tech E&O | HSB has been protecting against cyber risks for 20 years, offers 24/7 claim support, and is rated A++ (Superior) by AM Best. |
| Individuals and families | MyCyberProtection™ personal cyber insurance covering identity recovery, online fraud, ransomware, cyberbullying, and more | Coverage includes access to valuable loss prevention tools, services, and concierge-level claims handling that can help policyholders diagnose, combat, and recover from cyber events. |
Coverages we offer
Commercial Lines
Equipment Breakdown
Equipment and Technology Breakdown coverage to protect against today’s complex equipment risks.
Cyber Liability
Comprehensive program designed to keep pace with the evolving cyber risk landscape.
Employment Practices Liability Plus
The ultimate employment practices liability protection that businesses need.
Commercial Service Line
Robust coverage designed to address the critical risks of underground utility line breakdown.
Personal Lines
Home Cyber Protection
Safeguards homeowners against cyber threats in an increasingly interconnected world.
Home Systems Protection
Tailored coverage against the latest breakdown risks in homes with unmatched flexibility.
Home Service Lines
Fills a critical gap in homeowners insurance by protecting against repair costs for service lines often overlooked by traditional policies.
Which solution is the right fit for your program? Let’s talk to find out.
Why partner with HSB?
40
Years
HSB has programs with relationships that have lasted over 40 years
600+
Commissioned inspectors
HSB employs over 600 commissioned and accredited inspectors and engineers to support our equipment breakdown programs.
150+
Cyber insurers
HSB has been writing cyber insurance for over 20 years and reinsures over 150 cyber insurance carriers.
A++
Rated
HSB is rated A++ (Superior) by AM Best Company, the largest credit rating agency in the world specializing in the insurance industry.
