HSB Enhances Admitted Cyber Product

• By: Will Jones
• November 9, 2026

PRODUCT: HSB TotalCyber+™

COMPANY: HSB

BEST RATING: A++

AVAILABILITY: Appointed agents and brokers only.

FOCUS: With 20 years of experience in the cyber market, HSB provides depth and breadth to cyber insurance. This includes the coverage and support clients need to stay protected, plus a team of around-the-clock claims experts to serve businesses.

HSB TotalCyber+ is a comprehensive cyber policy that replaces HSB’s flagship HSB TotalCyber coverage form and includes numerous coverage enhancements. In addition, the agent rating platform has been upgraded to one that is faster, simpler and more intuitive to use. Eligibility for online quoting has also increased.

COVERAGE DETAILS: This cyber insurance solution is designed to help businesses respond to and recover from a wide range of cyber incidents. First-party coverages include replacing devices that are rendered unusable by malware, referred to as “bricking”; responding to ransomware and cyber extortion threats; recovering from nonmalicious system failures and covering losses from cybercrime and social engineering schemes. The policy also includes access to crisis management and public relations support.

TotalCyber+ also provides important third-party liability protection if a cyber incident leads to claims that an insured failed to properly secure data, protect privacy or prevent unauthorized access to systems, covering settlement and defense costs for suits alleging computer security negligence.

Access to HSB’s Cyber Safety risk management services platform and HSB’s Cyber Concierge—a real person to answer questions—is also included for all policyholders.

UNDERWRITING: Certain risks can be rated, quoted, bound and issued online in minutes using HSB FastTrack.

TARGET: HSB has a broad appetite for small and middle-market clients across a range of classes with revenue up to $1 billion looking for primary limits up to $5 million.

COVERAGE AVAILABILITY: HSB has undertaken the filing process in all 50 states and is engaging with regulatory partners to obtain approvals where required. As of today, it is on track to receive the required approvals in a majority of jurisdictions before the end of 2026.

CONTACT: Nate Wenzl, vice president of business development, HSB; 1 State Street, Hartford, CT 06102.

Will Jones is IA editor-in-chief.