HSB and Marsh Commercial
Joint Lead Insurer
Enhanced Products:
Insurance
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In addition to our standard products and services, we also offer enhanced products and services to
Marsh Commercial
Computer
HSB Computer Insurance | A commercial product designed specifically to offer protection for computer-related risks.
The policy is split into four sections of cover, providing customers with the flexibility to choose the level of cover they need.
HSB Computer Insurance is also available to you on Acturis, or via our extranet trading system; enabling you to quote and bind policies with ease.
Enhancements
Increased policy limits for:
- Extra hardware - £1,000,000
- Extra hire or lease costs - £100,000
- Fire brigade charges – £100,000
- Recovery of hardware - £100,000
- Security guard costs - £100,000
Additional covers:
- Energy efficiency improvements following a claim – 10% of replacement cost or sum insured, whichever is the less
- Debris removal – £100,000
- Investigation costs - £100,000
- Recovery reward - £100,000
Construction
- HSB Construction All Risks Insurance (annual or project) | Provides comprehensive cover for construction, buildings and civil engineering projects
- HSB Contractors' Plant Insurance (owned or hired-in) | Provides protection for unforeseen loss or damage to construction plant and equipment
Our construction products are also available to you via the Acturis e-trading platform; enabling you to quote and bind cover, process mid-term adjustments and obtain renewal terms with ease.
Enhancements
Construction All Risks Insurance
Annual: Contract Works, Own Plant, Hired-In Plant, Employees' Tools and Personal Effects, and Machinery Movement
Project: Contract Works, Advance Loss of Profits, Own Plant, Hired-In Plant, Employees’ Tools and Personal Effects, and Machinery Movement
- Cover for testing and commissioning
- Removal of the application of heat clause
- Addition of the marine transit 50/50 clause
- Owned Plant - Restated of "How much we will pay" from 2 year's old to 3 year's old.
- Employees tools covered away from contract sites
- Machinery Movement – definition of transit includes roll-on roll-off ferry
- Cover for plans and documents - £50,000
- Cover for professional fees - £50,000
- Damage to security devices - £5,000
- Damage to that substitute equipment following a loss - £50,000
- Additional cost of construction - 10% of the contract price or £200,000
- Fuel tank drainage - £2,500
- Own surrounding property - £25,000
- Sign writing or livery - £5,000
- Transportation of damaged insured property - £25,000
Contractors' Plant Insurance
- Owned Plant - Restated of "How much we will pay" from 2 year's old to 3 year's old.
- Damage to security devices - £5,000
- Damage to that substitute equipment following a loss - £50,000
- Fuel tank drainage - £2,500
- Own surrounding property - £25,000
- Sign writing or livery - £5,000
Equipment Breakdown
Enhancements
Increased policy limits for:
- Building Management Systems – restoration of data - £25,000
- Temporary removal – worldwide - £100,000
- Deterioration of Stock – cover for failure of electricity network at the insured location
Additional cover:
- Deterioration of Stock - refrigerated vehicles - £10,000