May 2007 HSB Product Specialists Can Help You Sell Want to know more about HSB specialty products? Call our Product Consultants toll-free at 1-888-665-3688. They can provide information about Identity Recovery coverage, Employment Practices Liability, Homeowners Equipment Breakdown, Data Compromise, and more. We can explain how you can include these programs in package policies and answer questions about the coverage. Small Business Owners Need Data Compromise Coverage Why does a small business need HSB's Data Compromise coverage? Every commercial operation is responsible for the personal information of employees, vendors or customers. The loss or theft of personal data stored in computers and business files can expose the victims to identity theft and strain a company's budget and reputation. New Office Name, Expanded Quality Service HSB's National Service Center is now HSB Valley Forge. The change reflects the progress we've made at HSB Valley Forge to better serve our agents, brokers and client insurance companies. In addition to toll-free access to Claim and Inspection services, HSB specialists can assist you with new business quotes, questions about online services, specialty products, and more. HSB Valley Forge is located in the historic American heritage region near Philadelphia. HSB also has a strong tradition, built on innovation and service dating to our founding in 1866. Call HSB Customer Solutions with questions toll-free at 1-800-345-1122. Equipment breakdowns are usually excluded in homeowners coverage. Unlike business owners, these customers may not be as aware of their growing equipment exposures. When selling homeowners equipment breakdown, which of these issues do you think would be most important? Click your answer below: •  Potential for large financial loss due to equipment breakdowns. •  A family's well being after the loss of heat, power or other basic services. •  Equipment breakdown's superior coverage compared to limited warranties or service contracts. •  HSB coverage can pay extra for replacement equipment that is better for the environment, safer, or more efficient. Agents Can Profit When Insurers Add Homeowners Equipment Breakdown "Yes, You're Covered," It's a Powerful Message that Helps You Compete When the furnace broke down in a family's home, the owners asked their insurance agent and property carrier for help. Did they have coverage? Would it pay for part of the repairs? Yes, the owners were told, the loss was covered. The company offers a new benefit in its policies - homeowners equipment breakdown. PAYS FOR NEW FURNACE Unlike most homeowners coverage which excludes equipment breakdowns, the insurer added HSB's Homeowners Equipment Breakdown program. Since the heat exchanger had cracked due to metal fatigue, the equipment breakdown coverage paid $4,808 to replace the furnace with a heat pump. EASY TO ADD COVERAGE For pennies a day, homeowners get HSB protection for the breakdown of key equipment. The coverage means a lot to homeowners facing unexpected repairs. Equipment breakdown sets your agency apart with superior products, helping you to keep and compete for good business. PROTECT HOME EQUIPMENT In addition to heating and cooling systems, HSB's Homeowners Equipment Breakdown covers a range of equipment. It also can pay temporary living expenses if a home is uninhabitable because of a covered breakdown. THEY'RE COUNTING ON YOU Your customers count on you to provide the insurance coverage they need. Homeowners equipment breakdown can help fill a coverage gap and keep the policy up to date. It's available through HSB partner insurers as an enhancement to their homeowners policies. Stock Crash A freight elevator was loaded with merchandise in a sporting goods store when the shaft on the pulley snapped and it plunged into the basement. Stops designed to hold the car did not work. The elevator had to be replaced. Total Paid Loss $66,600 This example summarizes actual losses and coverage. For all terms, conditions and exclusions, consult the actual policy. Hartford Steam Boiler - One State Street - P.O. Box 5024 - Hartford, CT 06102-5024 Phone: 860-722-1866 - Fax: 860-722-5106 ©1996-2008 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.