HSB TotalCyber™
Comprehensive cyber coverage for small- to medium-sized businesses
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With cyber insurance that’s easy to buy and easy to use, you can shield your clients’ businesses from looming threats amid an ever-shifting technological landscape. HSB TotalCyber provides broad coverage and risk management solutions, protecting them from cyber threats before they occur.
Why choose HSB TotalCyber?
- A++ rated by AM Best
- Admitted coverage
- Available in all states except New York
- Businesses with revenue up to $1 billion
- Limits up to $5 million
- Pre-event risk management services
- Experienced, dedicated cyber claims team
The right amount of coverage to suit your needs
First-party coverages
Data Compromise Response Expense
- Pays for costs to investigate the nature and extent of a data breach via Forensic IT and Legal Review, as well as for notification and services for affected individuals. Also covered are costs associated with Regulatory and Payment Card Industry (PCI) fines and penalties, and assessments.
Reputational Harm
- When included, provides coverage for business income loss due to damage to the insured’s reputation that occurs as a result of a personal data compromise.
Computer Attack
- Covers data and system restoration. May pay to repair or replace hardware if it reduces the amount of the loss.
Future Loss Avoidance
- Pays for improvements to the insured’s computer system following a computer attack to mitigate future losses, up to 10% of the Computer Attack payment, subject to HSB approval.
Business Income Loss
- Business Income Loss as a result of a cyber attack is also covered, including as a result of a voluntary shutdown to the computer system in an effort to mitigate effects of or recover from the attack. Additional business interruption coverages include crisis management, extended income recovery, and business income forensic expenses.
Contingent Loss of Business Income – Interruption of Supply
- Coverage for business income loss resulting from a computer attack on the insured’s supplier or receiver of raw materials, intermediate products, finished products, packaging materials, and product processing services.
Cyber Extortion
- Provides coverage for the pre-approved cost of a negotiator or investigator and the pre-approved cost of payments made following an extortion threat or ransom.
Reward Payment Reimbursement
- When included, provides coverage for a reward offered and paid by the insured for information leading to the arrest and conviction of bad actors responsible for a personal data compromise, computer attack, cyber extortion threat, misdirected payment fraud, or computer fraud.
Misdirected Payment Fraud
- Provides coverage for funds, securities, or tangible property sent to a fraudulent destination as a result of criminal deception using email, facsimile, or telephone communications.
Invoice Manipulation Fraud
- Pays for the insured’s financial loss resulting from fraudulent invoices sent to and paid by vendors or customers of the insured, due to an unauthorized access on the insured’s system.
Computer Fraud
- Covers the direct financial loss resulting from the fraudulent entry or change to data or instructions within the insured’s computer system.
Telecommunications Fraud
- Provides coverage for necessary payments to the insured’s telephone service provider resulting from a computer attack on the insured’s phone system.
Cryptojacking
- When included, provides coverage for utility payments the insured is responsible for as a result of a crypto-mining program being fraudulently deployed on their computer system.
System Failure
- Pays for business income loss resulting from unintentional computer system outages — not from a computer attack — lasting more than 8 hours.
Identity Recovery
- Pays for expenses and expert help restoring credit and identity records for business owners and their spouses following identity theft.
Third-party coverages
Data Compromise Liability
- Covers litigation and settlement costs resulting from victims affected by a breach who bring a claim or lawsuit against the insured.
Network Security Liability
- Coverage for defense and settlement costs for claims that “negligent failure of computer security” caused third-party damage.
Electronic Media Liability
- Coverage for defense and settlement costs for copyright, trademark, and other types of infringement, defamation, or other personal injury resulting from information on a website.
Full Media Liability
- Extends Media Liability coverage to include claims arising from non-electronic media.
Privacy Incident Liability
- Coverage for defense and settlement costs for claims of violations of the insured’s published privacy policy, or privacy laws regarding the collection, handling, and management of personally identifying information.
Business Identity Theft
- Coverage pays defense against and settlement costs of lawsuits arising from the fraudulent use of the insured’s business identity.
Additional Insured Pursuant to a Contract
- If endorsed, provides automatic additional insured status for third-party liability coverages pursuant to a written contract with the insured.
Cyber risk management services
Cyber concierge
A live, dedicated cybersecurity expert to provide one-on-one guidance and cyber consulting for your business.
Email: cyber_concierge@hsb.com
Email: cyber_concierge@hsb.com
Active threat monitoring
Scanning, monitoring, and identification of system vulnerabilities that could increase the risk of a cyberattack. We promptly alert you and provide easy-to-use instructions if a vulnerability is spotted.
Website monitoring
Actively scans for vulnerabilities in web applications, then creates a report detailing any identified issues and recommendations for fixing them.
Ransomware prevention as a service
Continually monitors the dark web for any breached credentials and proactively removes them.
Cyber maturity
Evaluate and improve your business’s cyber health through a self-guided cyber assessment tool to obtain detailed recommendations and actions for improvement.
Security training
Cybersecurity skills assessment and monthly customized training for your employees based on each employee’s cybersecurity knowledge.
Cyber privacy legal consulting
One free hour of cyber privacy legal consulting from one of our reputable partnering law firms.
Security policies
Downloadable security policies that can be customized to suit your business’s unique needs, helping you meet contractual and regulatory obligations.
Partner marketplace
Access to unique offers and exclusive discounts on tools, services, and solutions from HSB partners, including MDR solutions, penetration testing, SOC2 Compliance, and more.
HSB has a broad appetite
Eligible Classes include but not limited to:
- Agriculture
- Arts, Entertainment and Recreation
- Construction
- Finance and Insurance
- Healthcare and Social Assistance (excluding hospitals)
- Hospitality (Accommodation and Food Services)
- Information (Broadcasting, Communications, Publishing)
- Manufacturing
- Non-Profits
- Professional Services
- Real Estate and Property Management
- Retail Trade
- Transportation and Warehousing
- Wholesale Trade
Ineligible
- Adult Entertainment
- Cannabis Production and Distribution
- Casinos
- Cryptocurrency
- Cyber Security
- Debt Collection
- Hospitals
- Managed Service Providers/Managed Security Service Providers
- Municipalities/State and Federal Government Departments
- Public Schools (K-12), Charter Schools, Colleges/Universities
- Utilities
Rate, quote and bind coverage online
- Gross Revenue of $25M or less
- Cyber Aggregate Limit of $1M or less
- Misdirected Payment Fraud limit of $250k or less
- Annual Term
Plus, see all of your HSB TotalCyber quotes, inforce policies, and upcoming renewals in one place. Log in to get a quote.
