Coverage Options You Can Easily Add
You know your community best, so HSB Home Field Advantage offers you a choice of six affordable coverages to add to your home and businessowner policies. All of them provide protection from today’s emerging risks and will add meaningful value to your products. All of them are reinsured 100% and supported with full claims handling, forms, marketing tools and implementation support.
| | Identity Recovery |
| It can happen anywhere and it’s happening more often. An identity is stolen and the victim spends time and money on a confusing, frustrating and often protracted process to restore it. HSB Home Field Advantage Identity Recovery Coverage not only takes care of customers’ identity recovery expenses, but offers valuable professional help to unravel the damage and restore pre-theft status. |
| | Homeowners Equipment Breakdown |
| Homeowners depend on critical equipment to keep the temperature comfortable, heat their water and keep their family safe. Today, much of this equipment contains sensitive high-tech parts vulnerable to breakdown from power surges and other problems with power quality. Home Equipment Breakdown Coverage protects homeowners from the high cost of replacing or repairing expensive equipment. |
| | Service Line Coverage |
| Most homeowners don’t know they own piping and wiring on their property. But when a water line leaks or other supply line fails, they soon learn the cost of excavation and repairs can easily reach thousands. Service Line Coverage pays for loss or damage resulting from failure of underground piping or wiring delivering a service to the residence or other home structure from a utility or private water supply. |
| | Employment Practices Liability |
| Employers today are faced with the very real risk of an employee charge of lawsuit for discrimination, wrongful termination or harassment. Claims against smaller businesses have grown, yet insurance and legal advice is expensive and, for many, out of reach. In addition to insuring against a claim, Employment Practices Liability Coverage provides important loss prevention tools and access to specialized legal counsel. |
| | Business Equipment Breakdown Coverage |
| Whether it’s computers, hydraulic lifts or supermarket freezers, every business depends on equipment to operate. Breakdowns are common and can easily bring business to a halt. Today, a power surge is all it takes to cause high-tech equipment such as computers or electronic components to fail. Business Equipment Breakdown Coverage protects business owners against loss of income, spoilage and the high cost of equipment repair or replacement. |
| | Farm Equipment Breakdown Coverage |
| Twenty-first century farms are equipment intensive and, today, that equipment is pushed hard to meet high production demands. But sensitive high-tech parts make it vulnerable to breakdown from power quality problems, environmental contaminants, poor maintenance and other common causes. Farm Equipment Breakdown Coverage protects farm owners from loss of income and spoilage as well as equipment repair or replacement. |