Legal Notice

Last Revised: 27 June 2022

    alt txt



    Terms and Conditions

    The following terms and conditions ("Terms") apply to your use of the HSB Engineering Insurance website (the "Website"). These Terms should be read alongside, and are in addition to, our privacy policy ("Privacy Policy") and our cookie statement (“Cookie Statement”), both of which are accessible online. By using this Website, you acknowledge your assent to the Terms without limitation or qualification. Please read these Terms carefully before using this Website. If you do not wish to accept these Terms you should leave this Website immediately. You are responsible for ensuring that all persons who access the Website through your internet connection are aware of this legal notice and other applicable policies and that they comply with them.

    HSB Engineering Insurance Limited and HSB Engineering Insurance Services Limited (and/or their affiliated entities, referred to herein as "HSB") may at any time revise these Terms by updating this page on the Website and including the date of the revision at the start of the page. You are bound by any such revisions and should therefore periodically visit this page to review the current terms and conditions to which you are bound.


    The materials on this Website are provided "as is" and without conditions, warranties or terms of any kind. To the fullest extent permissible pursuant to applicable law, HSB disclaims all conditions, warranties or terms of any kind, express or implied, including, but not limited to, implied conditions or warranties of merchantability and fitness for a particular purpose. HSB does not give any condition, warranty or other term that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this Website or the server that makes it available are free of viruses or other harmful components.

    HSB does not warrant or make any representations regarding the use or the results of the use of the materials on this Website in terms of their correctness, accuracy, reliability, or otherwise. You (and not HSB) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and service but are provided solely for general informational purposes. This Website may be linked to other web sites that are not maintained by HSB. HSB is not responsible for the content of those web sites. The inclusion of any link to such web sites does not imply approval of or endorsement by HSB of the web sites or the content thereof

    Limitation of Liability

    Whilst HSB uses reasonable efforts to include accurate and up-to-date information on this Website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, HSB makes no warranties or representations as to the accuracy of the content of this Website. Under no circumstances, including, but not limited to, negligence, shall HSB or any party involved in creating, producing, or delivering the Website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this Website, even if HSB or an HSB authorised representative has been advised of the possibility of such damages.

    Applicable law may not allow the limitation or exclusion of liability or incidental or consequential damages, so the above limitation or exclusion may not apply to you. In no event shall HSB's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Website. HSB also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your access to, use of, or browsing in the Website or your downloading of any materials, data, text, images, video, or audio from this Website.

    Information transmitted via this Website will pass over public telecommunications networks. We make no representation or warranty that the operation of this Website will be uninterrupted or error free and disclaim all liability in respect thereof.

    We reserve the right to suspend your use of the Website at any time for operational, regulatory, legal or other reasons. We may terminate your use of the Website with immediate effect if you breach any of these Terms.

    Restrictions On Use Of Materials

    This Website is owned and operated by HSB. Except as otherwise expressly permitted by HSB, no materials from this Website or any web site owned, operated, licensed or controlled by HSB may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this Website for your own use only, provided that you also retain all copyright and other proprietary notices contained on the materials. Our status as the authors of content must always be acknowledged. You may not distribute, modify, transmit, reuse, repost, or use the content of this Website for public or commercial purposes, including the text, images, audio, and video without HSB's written permission. HSB neither warrants nor represents that your use of materials displayed on this Website will not infringe rights of third parties not owned by or affiliated by HSB.

    Terms of Use

    You may use our Website only for lawful purposes. You may not use our Website:

    • In any way that breaches any applicable local, national or international law or regulation.
    • In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect.
    • To send, knowingly receive, upload, download, use or re-use any material which: infringes the rights of, or breaches legal obligations owed to, any other person; or constitutes an unlawful or criminal act (or incites or assists with the same); or which otherwise misrepresents or deceives.
    • To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
    • To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.

    You also agree:

    • Not to access without authority, interfere with, damage or disrupt:
      • any part of our Website;
      • any equipment or network on which our Website is stored;
      • any software used in the provision of our Website; or
      • any equipment or network or software owned or used by any third party.

    No Legal Advice

    The information provided on this Website is given on the understanding that HSB is not providing professional advice of any type. If you have any questions requiring professional advice, please contact your usual advisors.

    Applicable Law

    The use of this Website shall be governed and construed in accordance with the law of England and any disputes shall fall within the exclusive jurisdiction of the Courts of England and Wales. If any of these conditions and disclaimers shall be unlawful, void or for any reason unenforceable then that provision shall be deemed severable and will not affect the validity and enforceability of the remaining provisions.

    Trade Marks and Copyrights

    All trade marks, services marks, trade names, logos and icons on the Website and the selection or arrangement thereof are proprietary to HSB or the relevant owner. Nothing contained on the Website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trade mark displayed on this Website without the written permission of HSB or such third party that may own the trade marks displayed on this Website. Your use of the trade marks displayed on this Website, or any other content on this Website, except as provided herein, is strictly prohibited.

    Images displayed on this Website are either the property of, or used with the permission of, HSB. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted herein. Any unauthorised use of the images may violate copyright laws, trade mark laws, the laws of privacy and publicity, and communications regulations and statutes.

    About Us

    HSB Engineering Insurance Limited is registered in England and Wales 02396114. Registered Office: Chancery Place, 50 Brown Street, Manchester, M2 2JT, Tel: +44 (0)845 345 5510 (VAT Registration Number 652 6422 43). Registered as a branch in Ireland 906020. Registered branch address: Pembroke House, 28-32 Upper Pembroke Street, Dublin 2, Ireland.

    HSB Engineering Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, and is authorised and regulated by the Central Bank of Ireland as a third country branch in the Republic of Ireland.

    HSB Engineering Insurance Services Limited is registered in England and Wales 03010292. Registered Office: Chancery Place, 50 Brown Street, Manchester, M2 2JT, Tel: +44 (0)845 345 5510 (VAT Registration Number 652 6422 43). Registered as a branch in Ireland 906105. Registered branch address: 28 Windsor Place, Lower Pembroke Street, Dublin 2, Ireland.