Questions? We have answers

As if running a small business isn’t tough enough, the bad guys are making it even tougher!  Cyber crime is one of the most significant threats to a small business’ survival. Costs of these claims are skyrocketing…to an average of $50,000, and over 60% of small businesses with a cyber event don’t survive. Sleep soundly when you close for the day by protecting your life’s work with a simple and affordable cyber policy.

Cyber attacks can happen to every size business, with an increasing focus on micro and small businesses. The high cost of cyber attacks makes going without cyber insurance a real risk. HSB Total Cyber™ was specially designed to provide comprehensive coverage for U.S. based small and medium-sized companies. HSB Total Cyber™ provides comprehensive coverage for the pervasive cyber threats businesses face every day.

That’s a very common misconception, and many small business owners discover that they’re not covered for cyber events when it’s too late. Unless you have specifically added cyber coverage to your basic business insurance package, you’re probably not covered!  

The price for cyber coverage varies based on factors like the kind of business, the size of the business and how much insurance (in terms of limits) you choose to buy. We believe every small business should be able to afford the coverage that it needs to thrive. 

That is one of our most common questions. When we talk about “cyber crime,” we’re talking generally about the criminal activities of hackers and fraudsters who profit by taking advantage of businesses and individuals. The best way to understand cyber crime is through the DEFINITION LIST of cyber crimes.  The best list we have seen is from the IC3 annual report.

One size doesn’t fit all, so we have optimized our coverage with small business in mind so that it includes the most critical protection benefits. Also, your quote will:

• Be optimized for your specific business type and revenues.
   
• Offer a brief description of what the coverage means.
   
• Include a choice of various coverage limits with an eye on your budget pressures.
   
• Include the ability for you to take control and design your own package.

Our customized quoting process recommends limit options based on your specific business type and revenues, and always offers three options to meet a variety of risk tolerances and budgets.  If you need a specific amount of coverage – because of a contractual or other requirement – the process allows you to tailor a package to your particular needs.   At the end of the day, any coverage is better than none, and we would not want you to find yourself underinsured in the event of a loss. 

Absolutely. We have set up our cyber coverage to be like a subscription where you pay a predictable and affordable monthly fee.  You can also pay annually if you like.

Sure. We think you will like the three programs that our quote engine will recommend for you, but you can always customize your program.  Give it a try on your own quote by clicking the “customize my quote” after we give you your three program choices.

Not unless you want to!  Save time and effort by avoiding confusing applications and choices.  We have designed our website to enable you to quickly and easily get protected.   

Not a problem.  We have humans – licensed insurance professionals – working the chat feature on all screens and are also available on the phone at (866) 311-9678. 

HSB Total Cyber™ is backed by a staff of knowledgeable and experienced cyber claims professionals who are ready to help you at a moment’s notice.  Our claims service is also enhanced by our partnerships with industry-recognized legal, forensic and cybersecurity organizations offering 24/7 response to a cyber event in order to mitigate loss, maximize use of coverage limits, and speed recovery.

All policyholders get secure access to special features in the Cyber Center, which provides risk management services to PRE-event services including things like:

• Cyber risk consulting
   
• Training
   
• Cyber threat monitoring to scan for vulnerabilities in web applications

• Easily! Email us at customercare@hsbtotalcyber.com or call us at (866) 311-9678.  We are ready to assist you 24/7/365.  

HSB sets the standard in specialty insurance and reinsurance coverages worldwide focusing on equipment-related insurance including cyber insurance, with technical knowledge, superior risk solutions and customer commitment you can count on, backed by over 150 years of leadership.

HSB is a leader in data, cyber and identity theft insurance, and is in a unique position to help the members of the Mastercard Small Business community secure “peace of mind from cyber crime.”

Today, as a proud member of Munich Re, we are continuing our tradition of excellence using our technical knowledge to help clients manage risk and optimize their business results.

HSB is rated A++ (Superior) by A.M. Best Company. As part of Munich Re we have the ability to leverage a global knowledge base to develop and deliver innovative, forward-thinking risk solutions to help our clients manage risk in a complex and evolving world.

The HSB difference is grounded in extensive technical knowledge, developed over almost 150 years and enhanced by our relationship with Munich Re. Our inspection force is one of the largest in the world, with over 1,200 engineers, inspectors and technical personnel around the globe. Our longstanding focus on excellence, dependability and collaboration has earned us a reputation for understanding the challenges facing our customers and delivering superior risk solutions and coverages that our clients can count on.

HSB is headquartered in Hartford, Connecticut, United States. Through our affiliates in Canada and the United Kingdom we serve businesses, industries and institutions worldwide.