HSB Introduces First Cyber Insurance for Consumers

HSB Home Cyber Protection™ Covers Phones, Homes and Computers Against Hacks, Computer Attacks


Shot of a father and his little daughter using a digital tablet together at home
© Getty Images

The Hartford Steam Boiler Inspection and Insurance Company (HSB), part of Munich Re, today introduced HSB Home Cyber Protection™, the first personal lines cyber insurance program for consumers.

HSB Home Cyber Protection™ offers a suite of cyber coverage and services for computer attacks, cyber extortion, online fraud and the breach of personal information involving smart phones, computers and connected home devices.

“In today’s connected world, phones, computers and other networked devices are vulnerable to attack,” said Timothy Zeilman, HSB vice president. “The Internet of Things and smart home equipment increase that threat. Yet, until now there hasn’t been a comprehensive cyber insurance policy designed for consumers.

HSB Home Cyber Protection™ bundles cyber insurance coverages once available only to businesses, but increasingly important to individuals as we store more information electronically and access our data online.

Those coverages include:


  • Computer Attack to remove malware and reprogram computers and tablets, Wi-Fi routers or other Internet access points.
  • Home Systems Attack restores devices connected to the Internet, including smart phones, thermostats, smart appliances and security and monitoring systems.
  • Cyber Extortion with professional assistance on how to respond to a ransomware attack and payment of ransom when approved.
  • Data Breach including forensic IT and legal reviews, notification and recovery services when private non-business data entrusted to an individual is lost, stolen or published.
  • Online Fraud for losses due to identity theft, phishing schemes, illegal bank and credit card transfers, forgery, counterfeit currency, and other deceptions.

HSB Home Cyber Protection™ is added to the homeowners or renters policies of insurance companies that partner with HSB and covers the individuals and family members insured by those policies.

Note for the editorial staff

For further questions please contact
Dennis Milewski
Dennis Milewski
Media Relations, HSB
1 (860) 722-5567

Hartford Steam Boiler (HSB), a part of Munich Re since 2009, is a leading specialty insurer providing equipment breakdown, other specialty coverages, inspection services and engineering-based risk management that set the standard for excellence worldwide. We focus on clients and partner with them to craft inventive insurance and service solutions to cover existing and emerging risks posed by technological change. Today, as throughout our 150 year history, our mission is to use our engineering knowledge and insights to help clients prevent loss, advance sustainable use of energy resources and build deeper relationships that benefit business, industry, public institutions and consumers. HSB holds A.M. Best Company’s highest financial rating, A++ (Superior) For more information, visit www.hsb.com and connect on LinkedInTwitter and Facebook.

Munich Re stands for exceptional solution-based expertise, consistent risk management, financial stability and client proximity. This is how Munich Re creates value for clients, shareholders and staff. In the financial year 2015, the Group – which combines primary insurance and reinsurance under one roof – achieved a profit of €3.1bn on premium income of over €50bn. It operates in all lines of insurance, with over 43,000 employees throughout the world. With premium income of around €28bn from reinsurance alone, it is one of the world’s leading reinsurers. Especially when clients require solutions for complex risks, Munich Re is a much sought-after risk carrier. Its primary insurance operations are concentrated mainly in the ERGO Insurance Group, one of the leading insurance groups in Germany and Europe. ERGO is represented in over 30 countries worldwide and offers a comprehensive range of insurances, provision products and services. In 2015, ERGO posted premium income of €17.9bn. In international healthcare business, Munich Re pools its insurance and reinsurance operations, as well as related services, under the Munich Health brand. Munich Re’s global investments (excluding insurance-related investments) amounting to €215bn are managed by MEAG, which also makes its competence available to private and institutional investors outside the Group.

Hartford, Connecticut, June 14, 2016

The Hartford Steam Boiler Inspection and Insurance Company
One State Street
P.O. Box 5024
Hartford, Connecticut 06102-5024
United States