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HSB Computer Insurance

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

Delegated Authority/Reinsurance Solutions

There is often the option to insure computer equipment under a combined commercial or property policy, however these may not fully cover all computer risks. HSB Computer Insurance is a commercial product specifically designed to offer comprehensive cover for computer-related risks.

We can provide our partners with innovative, all-encompassing commercial computer risk solutions.

Our policy is split into four sections, providing customers with the flexibility to choose the level of cover they need:


  • Section 1 – Hardware
  • Section 2 – Reinstatement of data
  • Section 3 – Increased cost of working
  • Section 4 – Virus, hacking and denial of service attack

'Section 1 – Hardware' is the core cover, which provides insurance for installed and portable computer equipment. Sections 2-4 are optional covers that can be selected in addition to hardware to enhance the level of cover.

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.
  • Low policy excesses (£150) and nil for damage caused by fire, lightning, explosion, aircraft and theft. Only £50 excess for mobile telephones and smartphones.

Why choose HSB?

  • Leading specialist provider of engineering and technology insurance and inspection services in the UK, Ireland and Europe
  • UK-based arm of Hartford Steam Boiler, 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

If you’re looking to provide specialist computer cover as part of your commercial proposition, contact our team.