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HSB InsurTech & Embedded Solutions

The future of insurance

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    Risk is continuously evolving, and the HSB InsurTech & Embedded Solutions team works at the forefront of that evolution. Whether you’re looking to elevate your business through embedded insurance solutions that seamlessly integrate into your offering, seeking dynamic turnkey risk solutions that enhance your products, or you need creative capacity to drive your business, HSB wants to collaborate with you.

    HSB, a part of Munich Re, is a leading multi-line specialty insurer and provider of inspection, risk management, and IoT technology services. HSB is a leading specialty insurance writer in the U.S. and is among the top cyber insurers in the country. Rated A++ (Superior) by AM Best, we have been revolutionizing insurance for over 150 years.

    Applied innovation

    The HSB InsurTech & Embedded Solutions team can bring to bear expertise and product innovation for any of our specialty coverages in unique, creative, and nimble ways. HSB’s specialty insurance offerings include equipment breakdown, cyber risk, specialty liability, business interruption, and a range of other coverages.

    As we discuss your needs and learn about your business model, a picture will often emerge of how specialty insurance can be used to differentiate your brand and enhance your capabilities. We customize coverage to dovetail with your offering - there’s nothing “off-the-shelf” about what we deliver. Ultimately, our goal is to create a lasting partnership by bringing our expertise and creativity to bear on your market needs.

    Who we partner with

    Insurance solutions for InsurTechs

    HSB is an experienced InsurTech enabler. We empower your business by collaborating on new risk concepts within our areas of expertise. HSB can offer a full MGA service to flex around InsurTech needs, including paper, product development, pricing, filings, capacity, and more, combining the power of HSB’s specialty insurance know-how with your innovative tech solution.

    HSB: A trusted partner in pioneering the future of insurance

    Diagram of how HSB partners in pioneering the future of insurance

    The synergistic relationship between HSB and strategic InsurTech partners allows HSB to enable the next generation of insurance products while managing risk and distribution channels. Partners benefit from HSB’s strategic capacity, solid financial and risk management capabilities, and expertise.

    How? We work directly with established InsurTechs and startups, as well as brokers who have a dedicated InsurTech or MGA focus.

    Embedded solutions for non-insurance companies

    For non-insurance companies, we enhance your offering with value-added risk solutions embedded in your product. The result? A deeper customer relationship and greater customer satisfaction and retention. We bring creative risk transfer solutions, via insurance, warranties, or other mechanisms, to your value proposition.

    How? We build risk solutions around your product:

    Diagram of embedded solutions for non-insurance companies
    We have been successful in integrating HSB’s specialty coverages, including Equipment Breakdown and Cyber Risk solutions, into the value proposition of a variety of companies, and we are open to exploring new opportunities.
    PropTech & home automation companies across real estate construction, purchase, maintenance, investment, and administration
    Identity monitoring & fraud prevention companies
    Health & wellness companies looking to insure the reliability of their devices and apps
    GridTech companies that use digital information to optimize the efficiency, reliability, and security of electric power delivery
    Our appetite for new strategic partnerships, for which embedded insurance solutions are a good fit, continues to evolve and expand.

    Risk is evolving. So is HSB.

    The HSB InsurTech & Embedded Solutions team lives and works at the forefront of innovative risk solutions. Whether you are interested in exploring insurance-based product enhancements or creative capacity and financial strength to supercharge an existing business model, HSB wants to collaborate with you.

    Would you like to know more? Get in touch.

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    Contact the Insurtech and Embedded coverage experts
    Rich James
    Rich James
    Head of Insurtech & Embedded Solutions
    Todd Klein
    Todd Klein
    VP Business Development, InsurTech
    Phil Kelly
    Phil Kelly
    Business Development
    Patrick Barton
    Patrick Barton
    Business Development