Business Computer Insurance
HSB Computer Insurance
Providing comprehensive cover for computer hardware, data losses, increased costs, and virus, hacking and denial of service
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The working landscape has changed significantly, with hybrid working now the norm for millions of employees
But with less time now spent working in designated offices and premises, what should businesses be thinking about in terms of managing their computer equipment risks?
Whilst there is often the option to insure computer equipment under a commercial combined, office, or property policy, these may not fully cover all computer risks.
Transit risks
Hybrid work environments
Accidental damage
Physical loss - Theft - Accidental damage
Shared office spaces - Home-based offices - Shared homes
Pets - Children - Vermin
What is business computer insurance?
Our business computer insurance product, HSB Computer Insurance, has been specifically designed to offer comprehensive cover to businesses who want to cover their computer hardware and portable equipment.
As a leading provider of engineering and technology insurance solutions, our comprehensive product is split into sections; providing customers with the flexibility to choose the level of cover they need.
Hardware (core cover)
Reinstatement of data
Increased cost of working
Virus, hacking, and denial of service attack
'Reinstatement of data', 'Increased cost of working', and 'Virus, hacking and denial of service attack' can be selected in addition to 'Hardware' to enhance the level of cover.
In addition, 'Virus, hacking and denial of service attack' cover also automatically extends to cover 'Reinstatement of data' and 'Increased cost of working', if these additional covers have been purchased by the customer.
Key features of HSB Computer Insurance
- Electronic office equipment can be automatically included under 'Section 1 - Hardware'. For example, photocopiers; video, audio conferencing and projection equipment; and associated software and programs.
- Extra hardware is automatically covered up to maximum £500,000, during the annual period of insurance, should the insured accidently forget to inform us.
- Following an incident, cover will pay to remove viruses and will help clients to get specialist advice to prevent future viruses or hacking.
- Full theft cover – no forcible and violent entry/exit condition.
- All risks, including breakdown coverage.
- Low policy excesses (£150) and nil for damage caused by fire, lightning, explosion, aircraft and theft. Only £50 excess for mobile telephones and smartphones.
UK-based arm of
HSB Group
The equipment breakdown insurance and inspection market leader since 1866.
Part of
Munich Re
A world leader in risk solutions, consistent risk management, and financial stability.
Rated A++ (Superior) by
A.M. Best Company
Financially strong and stable.
Member of the Institute of
Customer Service
Demonstrating our commitment to continually improving customer service performance and professionalism.
Can we provide cover outside the UK or Republic of Ireland?
HSB is committed to providing a superior customer experience through our specialist claims service
Frequently asked questions
What is business computer insurance?
What is our computer insurance underwriting appetite?
Can we provide cover outside the UK and Ireland?
Does HSB handle their own claims?
Why consider business computer insurance from HSB?
As a leading provider of engineering and technology insurance solutions, our business computer insurance product has been specifically designed to offer comprehensive cover to businesses who want to cover their computer hardware and portable equipment. Split into sections, our product provides customers with the flexibility to choose the level of cover they need.
We have international experience and expertise in computer and cyber insurance, drawing on our vast expertise to provide cover able to meet SME's insurable computer-related risks.