HSB InsurTech & Embedded Solutions

Risk is continuously evolving, and the HSB InsurTech & Embedded Solutions team works at the forefront of that evolution. Whether you’re looking to elevate your business through embedded insurance solutions that seamlessly integrate into your offering, seeking dynamic turnkey risk solutions that enhance your products, or you need creative capacity to drive your business, HSB wants to collaborate with you.

HSB, a part of Munich Re, is a leading multi-line specialty insurer and provider of inspection, risk management, and IoT technology services. HSB is a leading specialty insurance writer in the U.S. and is among the top cyber insurers in the country. Rated A++ (Superior) by AM Best, we have been revolutionizing insurance for over 150 years.

The HSB InsurTech & Embedded Solutions team can bring to bear expertise and product innovation for any of our specialty coverages in unique, creative, and nimble ways. HSB’s specialty insurance offerings include equipment breakdown, cyber risk, specialty liability, business interruption, and a range of other coverages.

As we discuss your needs and learn about your business model, a picture will often emerge of how specialty insurance can be used to differentiate your brand and enhance your capabilities. We customize coverage to dovetail with your offering - there’s nothing “off-the-shelf” about what we deliver. Ultimately, our goal is to create a lasting partnership by bringing our expertise and creativity to bear on your market needs.

HSB is an experienced InsurTech enabler. We empower your business by collaborating on new risk concepts within our areas of expertise. HSB can offer a full MGA service to flex around InsurTech needs, including paper, product development, pricing, filings, capacity, and more, combining the power of HSB’s specialty insurance know-how with your innovative tech solution.

The synergistic relationship between HSB and strategic InsurTech partners allows HSB to enable the next generation of insurance products while managing risk and distribution channels. Partners benefit from HSB’s strategic capacity, solid financial and risk management capabilities, and expertise.

How? We work directly with established InsurTechs and startups, as well as brokers who have a dedicated InsurTech or MGA focus.

For non-insurance companies, we enhance your offering with value-added risk solutions embedded in your product. The result? A deeper customer relationship and greater customer satisfaction and retention. We bring creative risk transfer solutions, via insurance, warranties, or other mechanisms, to your value proposition.

We have been successful in integrating HSB’s specialty coverages, including Equipment Breakdown and Cyber Risk solutions, into the value proposition of a variety of companies, and we are open to exploring new opportunities.

Our appetite for new strategic partnerships, for which embedded insurance solutions are a good fit, continues to evolve and expand.

The HSB InsurTech & Embedded Solutions team lives and works at the forefront of innovative risk solutions. Whether you are interested in exploring insurance-based product enhancements or creative capacity and financial strength to supercharge an existing business model, HSB wants to collaborate with you.