Markets

Prescription drugs play a significant role in increasing health care costs, with Americans spending approximately $98 billion out of pocket on prescription drugs, a 25% increase over the past five years.

Insureds will be reimbursed for expenses incurred up to their selected benefit limit. Additionally, there is no medical underwriting required to obtain coverage.

While 63% of employers said they provide structured safety training, only 29% of employees report receiving it regularly—and 28% say they have never received formal workplace safety training.

Insurance agents who embrace risk mitigation technologies can strengthen underwriting, deliver value to customers and differentiate their service.

HSB’s Cyber Suite includes an array of first party, third party and supplemental coverages, enhanced to include bricking, betterment, cryptojacking and more.

As threat actors continually become more proficient in their ability to access company’s systems, there are steps all businesses can take to improve their security.

Businesses of all sizes throughout the U.S. continue to face challenges from the evolving nature of cyber risks.

The product covers any economic losses resulting from fluvial, pluvial and coastal flooding, and offers rapid payouts triggered by pre‑set conditions.

From hurricanes in the Southeast, wildfires in the West and severe convective storms in between, catastrophes are a defining feature of the current insurance landscape and are changing property insurance.

As social media continues to make car theft trendy, agents can help clients get up to speed on the latest anti-theft technology.