Risk Solutions

HSB WHISTLESTOP

For Agents & Brokers

2016

Recent Paid Claim - Hospital Air Conditioning Failure

Damage to the electronic controls in a hospital's HVAC system went unnoticed until one of the compressors broke down. A chiller kept running until the tubes froze and leaked, resulting in severe related damage to a compressor and other parts.

Total Paid Loss $54,118

Recent Paid Claim - Microelectronics Machine Breakdown

When a robotic machine used in electronics manufacturing broke down, technicians traced the problem to an internal component. The component had no visible, physical damage, so the claim was paid by the Electronic Circuitry Impairment coverage in HSB's TechAdvantage™ policy.

Total paid claim: $6,526

Recent Paid Claim - Middle School Boiler Breakdown

A low water condition caused a middle school's boiler to overheat and break down. The fire alarm went off when excessive heat melted the boiler's electrical controls, wiring and pipe insulation. The boiler was replaced.

Total Paid Loss $140,175

Recent Paid Claim - Data Breach Theft

Computer discs storing patient records were stolen from a doctor's office. HSB's Data Compromise coverage helped pay for the cost of notifying the patients and follow-up services, including credit monitoring and case management.

Total Paid Loss $50,000

Recent Paid Claim - Apartment building boiler breakdown

The boiler in an apartment building broke down when it overheated and seven of nine sections cracked. The repair bill included overtime the contractor paid his workers so heat could be restored for tenants.

Total Paid Loss $35,230

2015

Recent Paid Claim: Hospital diagnostic equipment damaged

When hospital technicians powered up equipment after a utility outage, they discovered electrical damage to fluoroscopy and CAT scan machines. The machines were down for three days during repairs, forcing the hospital to cancel diagnostic tests for patients.

Repair Cost $38,864
Business Interruption $4,225
Total Paid Loss $43,089

Recent Paid Claim: Optical equipment shorts out

An optician's shop in a strip mall replaced an eyeglass-making machine when a power surge damaged electronic components.

Total Paid Loss $11,400

Recent Paid Claim: Apartment tenant data theft

A box of rental applications with the name, address and Social Security numbers of 2,600 individuals was stolen from an apartment building office. HSB's Data Compromise coverage helped pay the cost of notifying individuals and for other services.

Total Paid Loss $91,000

Recent Paid Claim: Winery arcing power loss

A winery closed its tasting room for three days when a loose connection caused arcing in the main electrical panel and knocked out power. The customer tightened other connections and scheduled an infrared inspection to help prevent another accident.

Repair Cost $2,961
Business Interruption $12,510
Total Paid Loss $15,471

Recent Paid Claim: Office Data Breach

A computer containing confidential information about clients was stolen during an office burglary. HSB's Data Compromise coverage helped pay for notification costs and access to other services.

Total Paid Loss $19,922

Recent Paid Claim: Car Wash Electronics

A power surge damaged electronic and electrical equipment in a service station store and car wash, including fuel pump readers, security cameras, an air compressor motor, automatic doors and various washing equipment. The car wash closed for six weeks.

Repair Cost $46,460
Business Income $8,415
Total Paid Loss $54,875

2014

Recent Paid Claim: Dairy farm electrical system

Arcing in the main electrical switchgear serving a diary farm caused damage to several compressors and two water heaters.

Total Paid Loss $20,809

Recent Paid Claim: Hotel data breach

The credit card records of a hotel and business conference center were breached by malware that thieves placed on the computer system. HSB helped pay for a legal and forensic technology review of the incident.

Total Paid Loss $5,000

Recent paid equipment claim: Business Computer

A two-month-old computer broke down when the central processing unit (CPU) and other components shorted out. The manufacturer voided the warranty because the computer was modified to run graphics programs. HSB covered the loss.

Total Paid Loss $3,897

Recent Paid Claim: Ski resort chair lift

The ring gear on a ski resort's chair lift bull wheel broke and damaged other gearbox components at the top of the hill. HSB paid for extra labor costs and parts shipped on an expedited basis from the equipment manufacturer in Switzerland.

Repair Cost $52,499
Expediting Expense $5,901
Extra Expense $1,746
Total Paid Loss $60,146

2013

Recent paid claim: Hotel data breach

The credit card records of a hotel and business conference center were breached by malware that thieves placed on the computer system. HSB's Data Compromise coverage help pay for a legal and forensic technology review of the incident.

Total Paid Loss $5,000

Recent paid equipment claim: Hospital electrical damage

Following a utility power outage at a hospital, technicians discovered electrical damage to fluoroscopy and CAT scan machines. The machines were down for three days during repairs, forcing the hospital to cancel diagnostic tests for patients.

Repair Cost $38,864
Extra Expense $4,225
Total Paid Loss $43,089

Recent paid equipment claim: School boiler

A boiler that was a high school's only source of heat broke down due to poor maintenance. Since a second boiler was already shut down for repairs, classes were canceled for two days until a rental unit could be installed.

Repair Cost $12,805
Extra Expenses $24,288
Total Paid Loss $37,093

Recent paid equipment claim: Dry cleaning machine

Laundry workers heard a loud bang and discovered the main drive shaft on a dry cleaning machine had cracked, damaging the rotating basket and door assembly. The dry cleaner had to send clothes to another vendor until the machine was replaced.

Repair Cost $62,531
Extra Expense $1,455
Total Paid Loss $63,986

Recent paid equipment claim: Bank office air conditioning

An air conditioning compressor broke down in a bank branch office. The fans stopped working because of a controller problem. That in turn caused the pistons and connecting rods to break because of excessive pressure in the system.

Total Paid Loss $29,721

Recent paid equipment claim: Apartment building boiler

The boiler in an apartment building broke down when it overheated and seven of nine sections cracked. The repair bill included overtime the contractor paid his workers so heat could be restored for tenants.

Total Paid Loss $35,230

Recent Paid Claim: Accountant data restoration

An electrical power surge damaged hard drives in a computer server and the data was not recoverable. The insured was able to restore some data from backups, but two years of tax returns for clients had to be manually restored on the new hard drives.

Total Paid $107,351

Recent paid claim: Hotel Drying Out Coverage

Flash flooding from heavy rains caused water to penetrate a variety of electrical equipment, including elevator controls, computers, electrical distribution panels, electrical wiring, air conditioning units, and other gear. Although HSB's coverage excludes flood, our drying out coverage helped pay to clean and dry equipment before it was re-energized.

Total Paid Loss $50,000

Recent paid claim: Auto dealer boiler

The boiler for a luxury car dealer overheated and cracked when scale accumulation blocked the water flow. With the winter highs around 18 degrees F, three portable heaters were rented to reopen the sales show room during repairs.

Total Paid Loss $45,873