BIBA Computer Scheme
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BIBA Computer Scheme

Comprehensive cover for commercial computer hardware, data losses, increased costs, and virus, hacking and denial of service

Enhanced product for BIBA Members

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    BIBA Official Scheme Provider logo

    The working landscape has changed significantly, with hybrid working now the new 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?

    Transit risks

    Hybrid work environments

    Accidental damage

    Physical loss - Theft - Accidental damage
    Shared office spaces - Home-based offices - Shared homes
    Pets - Children - Vermin

    Our response

    HSB Computer Insurance is a commercial product specifically designed to offer comprehensive cover for computer-related risks.

    Our policy 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

    • Enhanced computer product
    • Access our product via the HSB Fast Track or Acturis e-trade platforms
    • Environmental hardware replacement clause, exclusively for BIBA members
    • Enhanced commission for BIBA members
    • Product training provided as required
    • Access to specialist claims handling team
    • 'Hardware' cover provides insurance for installed and portable computer equipment.
    • Electronic office equipment can be automatically included under 'Hardware'. For example, photocopiers; video, audio conferencing and projection equipment; and associated software and programs.
    • Extra hardware is automatically covered up to maximum £1,000,000, during the annual period of insurance, or £500,000 to include any hardware at any new premises owned, leased or occupied by you within the territorial limits should the insured accidently forget to inform us.
    • Full theft cover – no forcible and violent entry/exit condition.
    • Low policy excesses (£150) and nil for damage caused by fire, lightning, explosion, aircraft and theft. Only £50 excess for mobile telephones and smartphones.
    • Fire Brigade charges are covered under the policy up to £100,000 each occurrence.
    • Anti-theft devices are covered for repair and replacement up to £25,000.
    • Reward for hardware that is successfully recovered up to £10,000.
    • Replacement of damaged hardware with more environmental, safer and more efficient hardware (10% of the new replacement cost or 10% sum insured).

    Computer equipment defined: What's covered?

    Our optional covers:

    • Reinstatement of data
    • Increased cost of working
    • 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.

    HSB's Computer Insurance product is aimed at businesses who want to cover their computer hardware and portable equipment.
    Access our product via the HSB Fast Track or Acturis e-trade platforms.



    Process mid-term adjustments

    Obtain renewal terms

    Get an online quote within just a few clicks
    Instant access to policy documentation
    Manage your customers' MTAs online
    Supporting documentation immediately accessible

    New HSB Fast Track user? Registration is quick and easy.

    Paul Kay Director of Sales and Distribution +44 (0)7879 890 585
    Ian Fox Head of Sales - UK +44 (0)7779 993 566
    Stacey Sheridan Business Development Manager +44 (0)7879 890 506
    Rob Dixon Head of Operations - Partnerships, Digital Trading & Direct Clients +44 (0)161 817 2055
    John Butterworth Portfolio Underwriting Manager - Digital Trading +44 (0)161 817 4621
    Wendy Hesketh E-Trade Team Leader +44 (0)161 817 2152
    Group Contact 0161 817 2162 (UK) 1800 200 149 (Ireland)
    E-Trade Underwriters
    Andrew McGovern +44 (0)161 817 2037
    Atish Boolauky +44 (0)161 817 2153
    Caroline Griffiths-Davies +44 (0)161 817 2096
    Dave Allan +44 (0)161 817 2052
    Mathew Payne +44 (0)161 817 4619
    Vanina Oliveria +44 (0)121 233 6361
    Group Contact 0330 100 3432 (UK) 1800 812 363 (Ireland)
    HSB is committed to providing a superior customer experience through our specialist claims service.
    HSB Claims Team


    Claims examples

    HSB Computer Insurance in action:

    An insured’s premises experienced extensive flooding following a storm, resulting in various items of computer and other IT equipment being submerged in flood water.
    Thieves gained entry into an office by breaking through the windows. Once inside, they stole laptops, mobile phones, and a TV.
    The main power distribution board at a firm of solicitors suffered a power spike. The resulting failure caused considerable damage and disruption to the computer network. Data had to be restored by a specialist IT company.
    An insured's MacBook was accidentally knocked off a table during a presentation. Not only was the screen damaged in the fall, it had also warped and, as a result, the computer would not enter sleep mode when the lid was closed. The laptop was deemed to be beyond repair.

    Product documentation

    About us

    • Leading specialist provider of engineering and technology insurance and inspection services in the UK and Ireland
    • 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
    • Financially strong and stable – rated A++ (Superior) by A.M. Best Company
    • A member of the Institute of Customer Service, demonstrating our commitment to continually improving customer service performance and professionalism

    Contact us