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Archives By Subject
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Equipment Exposures
Condo Owners Sell TVs, Furniture to Pay for Transformer Repairs (May 2010)
Electrical Faults Cause Equipment Breakdowns, Property Damage, Fires (March/April 2010)
Hot Air in City Hall, College Classes Are Cool (February 2010)
Public Buildings Depend on Equipment, A Breakdown Lets Down the Community (February 2010)
My Inspector Called to Schedule an Inspection. How Should I Prepare? (February 2010)
Are Your Clients Ready for a Boiler Inspection? (February 2010)
Why Do Boilers Break Down? (January 2010)
Keep the Heat On (January 2010)
Apartments and Condominiums Face Equipment Exposures, Other Risks (October 2009)
Parking Garage Breakdown, Helicopter on the Roof (October 2009)
School Equipment Working Harder, Longer, Exposed To Breakdowns (September 2009)
MRI Accidents Cause Injuries, Breakdowns, Property Damage (September 2009)
HSB Helps University Clear Up Inspection Backlog (July 2009)
Ten Ways to Help Prevent a Data Breach (June 2009)
"Home Grown" Power Creates Equipment Risks in Schools, Hospitals and Municipal Buildings (February 2009)
On-Site Power Generation Is In Places It Has Never Been Before (February 2009)
Human Error Plays A Big Part In Many Equipment Losses (November 2008)
Costly Equipment Breakdowns are Never Convenient (November 2008)
Aging Power Grid Increases Exposures in Difficult Economy (November 2008)
Today's Equipment Exposures Go Way Beyond the Boiler (October 2008)
Backup Generator Breaks Down, Causes Widespread Damage (September 2008)
Ice Machinery Breakdown is Risky Business for Emergency Supplier (July 2008)
HSB Airs Video on Emerging Trends and New Exposures (July 2008)
Cleaner, Greener, Bigger Equipment Risks For Dry Cleaners (March 2008)
Electrical Equipment Is A Leading Cause Of Structure Fires (January 2008)
HSB Steps Up When Vintage Elevator Breaks Down (November 2007)
High Efficiency Heat, Higher Risk Of Breakdown (October 2007)
Those Flashing Lights Are A Warning - New Technology Is Interconnected and Increases Risks (September 2007)
Bats in the Telephones, Lizards on the Lines (July 2007)
Air Conditioning Breakdowns Can Leave Your Clients Feeling Burned (June 2007)
School Loses Cool, Home Too Hot (June 2007)
Small Business Owners Need Data Compromise Coverage (May 2007)
New Technology Helps Machine Shops Compete (April 2007)
Late Night Power Loss Chases Hotel Guests, Causes $531,000 Damage (January 2007)
Hotel Feels the Heat, Loose Wire Short Circuits Business (January 2007)
Dinner is Alarming for HSB Equipment Specialist (January 2007)
Get Up-To-Date Protection For Elevator Breakdowns (November 2006)
HSB Hires Interpreter So H2O Can Flow (July 2006)
Why Homeowners Are Still Exposed With Warranties And Service Contracts (May 2006)
Municipalities Face More Equipment Risks (March 2006)
"Virtual Hunting" Accident Results In Real Loss (February 2006)
"Mantenimiento del Equipo" - Online Equipment Tips Are Available In Spanish (January 2006)
Help Your Clients Spot Red Flags (December 2005)
"A Space Ship Landing On The Factory Floor" (October 2005)
University's Loss is a Lesson in the Value of Equipment Coverage (August 2005)
You Can't Bury Equipment Exposures (August 2005)
Tenants Need Equipment Breakdown Insurance (July 2005)
Ten Facts About Power Surges (June 2005)
Point-Of-Sale Equipment Adds to Retail Exposures (April 2005)
Schools Have Changed, and So Have the Risks (April 2005)
Boiler Inspections Are Required in Most U.S. Locations (March 2005)
Seasonal Risks
Protect Equipment from Flood Exposure (March/April 2010)
Prevent That Sinking Feeling, Protect Pools And Spas (September 2007)
Air Conditioning Claims Rise with the Temperature, but Breakdowns are a Risk All Year Long (June 2007)
Daylight Saving Time Is Early This Year, Are Your Clients Ready? (February 2007)
You Can Help Your Clients Turn Up The Heat (October 2006)
HSB Posts Hurricane Tips To Help Protect Equipment and Property (July 2006)
HSB Can Help Your Clients Prevent Surge Damage (June 2006)
Did You Know? You Can Help Your Clients Prevent A/C Breakdowns (April 2006)
It's Power Surge Season - Are Your Clients Protected? (June 2005)
Air Conditioning Losses Rise With The Temperature (June 2005)
Air Conditioning Often Breaks Down When First Turned On (April 2005)
The Insurance Professional
Four Facts about Perishable Goods Coverage (March/April 2010)
The HSB Coverage Advantage (May 2009)
HSB Offers Free Equipment Webinars for Business (April 2009)
HSB’s My Policies Web Tool Lets You Print, Save and Send Documents Online (March 2009)
Dial 1-800-HSB-1866 For Customer Service (January 2009)
HSB "Smart Button" Puts Online Applications At Your Fingertips (January 2009)
HSB Increases InstantQuote Commission to 20 Percent (June 2008)
Why It Pays to Grow Your Business Online with HSB InstantQuote (June 2008)
What Agents Are Saying About "Talk To Us" (April 2008)
Why Your Customers Get Superior Inspection Services From HSB (March 2008)
HSB InstantQuote Online Tool Now Has Underwriters Standing By (January 2008)
HSB Expands InstantQuote and My Policies Online Management Tools (November 2007)
New HSB Webinar Helps You Sell Specialty Coverages (July 2007)
Shutdown Prevented When HSB Finds Blown Fuse in CNC Machine (June 2007)
HSB Product Specialists Can Help You Sell (May 2007)
The Risks Have Changed, So Has Hartford Steam Boiler (February 2007)
What Agents and Brokers are Saying About HSB's My Policies (August 2006)
Don't Let Your Clients Spoil Their Business (March 2006)
How Waiting Periods Trigger Coverage (January 2006)
Why Equipment Warranties Are Not Enough (December 2005)
Flood, Looters Can't Stop Hurricane Fuel Delivery (November 2005)
Boiler Inspections Are Required in Most U.S. Locations (March 2005)
News
Condo Owners Sell TVs, Furniture to Pay for Transformer Repairs (May 2010)
Agents Quote Equipment Breakdown Online Direct from their Agency Management Systems (February 2010)
View Equipment Webinar Videos at www.HSB.com (January 2010)
Equipment Webinars (January 2010)
Workplace Discrimination Claims Still Soaring (January 2010)
HSB and Munich Re Introduce New Joint EPL Product (October 2009)
What To Do When Personal Information Is Breached (October 2009)
HSB Offers Online Quotes Direct from Agency Management Systems (September 2009)
Economy Helps Fuel Big Jump In Age Claims (May 2009)
AM Best Company Upgrades HSBs Financial Strength Rating (April 2009)
HSB Will Join Munich Re Group, Operate as Standalone Business (January 2009)
New Jersey Hikes Fees, Adds Inspection Requirements (October 2008)
Most States Require Businesses To Report Data Breaches (September 2008)
Nursing Homes Stretch Capacity, Equipment as Baby Boomers Retire (September 2008)
NYC Tightens Boiler Inspection (June 2008)
Employment Discrimination Charges Highest In Five Years (May 2008)
Air Conditioning Thieves Target Homes and Businesses (May 2008)
Data Breaches Reach Record Levels (January 2008)
Pregnancy Discrimination Claims At Record Levels (November 2007)
Data Breaches Are a Business Risk for Insurance Agents and Brokers (October 2007)
HSB Claim Data Charts Rise In Electrical Breakdowns (September 2007)
Photocopiers Can Expose You To Identity Theft (July 2007)
New Office Name, Expanded Quality Service (May 2007)
Personal Data of 100 Million Americans Has Been Breached (January 2007)
ID Thieves Continue to Target Consumers Online (August 2006)
All 50 States Now Have Boiler Regulations (May 2006)
HSB Supports Agents With Trusted Choice® Campaign (April 2006)
Wi-Fi Spies Could Be ID Thieves (February 2006)
Identity Thieves Target Teens and Young Adults (February 2006)
HSB Offers Information to Help Prevent Additional Loss and Disruption from Hurricanes (September 2005)
Products & Services
HSB Inspection Service a "Good Fit" for Clothing Retailer (May 2010)
Want Fast Service? Call 1-800-HSB-1866 (May 2010)
Agents Quote Equipment Breakdown Online Direct from their Agency Management Systems (February 2010)
Workplace Discrimination Claims Still Soaring (January 2010)
HSB and Munich Re Introduce New Joint EPL Product (October 2009)
HSB Offers Online Quotes Direct from Agency Management Systems (September 2009)
HSB Has the Equipment Breakdown Coverage Your Clients Need (July 2009)
HSB Can Help Pay for Equipment that is Cleaner, Safer, More Efficient (July 2009)
HSB Offers Better Coverage for Equipment Used Off-Premises (June 2009)
Grow Your Farm Business with Coverage Backed By HSB (June 2009)
HSB Offers More Coverage for More Equipment (May 2009)
HSB and Munich Re offer Advantages, Opportunities for Our Agents/Brokers (April 2009)
The Hartford Steam Boiler Inspection Difference (March 2009)
ID Thieves Strand Oil Rig Worker, Six-Year-Old Boy "Charged" (February 2009)
"Saving" On Maintenance Can Backfire With Breakdowns (October 2008)
New Inspection Tracking Tool Enhances HSB Service (September 2008)
Service Interruption Coverage is a Key Protection for Equipment Breakdowns (July 2008)
HSB's Identity Recovery Coverage Now Pays More Expenses (May 2008)
New HSB InstantQuote Feature Has Agents Talking (April 2008)
HSB Extends EPL Program to Cover Charges By Vendors and Customers (April 2008)
New "HSB 360" Program Delivers Enhanced Inspection Services (March 2008)
You Can Help Prevent The Loss Or Theft Of Personal Information (October 2007)
Agents Can Profit When Insurers Add Homeowners Equipment Breakdown (May 2007)
Forget Your Client Connection® Password? Just E-Mail HSB (April 2007)
Why Small Businesses Need Coverage For Employment Claims (February 2007)
HSB Offers Other Insurers New Data Compromise Coverage for Smaller Businesses (November 2006)
Child Care Added To HSB's ID Recovery Coverage (November 2006)
Big Homes, Big Risks - Houses are Getting Larger, with More Equipment that Needs New Coverage (October 2006)
Credit Checks Don't Always Detect ID Fraud (October 2006)
Busy Agents and Brokers Save Time Online with HSB's My Policies (August 2006)
Farms Need Breakdown Coverage for Critical Equipment (July 2006)
EPL Claims are Emotional, Take More Than a Year to Settle (June 2006)
HSB Helps Client Insurers Offer Equipment Breakdown Coverage For Homeowners (May 2006)
Have You Tried My Policies - HSB's Online Policy Management Tool? (April 2006)
HSB Offers Superior ID Recovery Services (March 2006)
Identity Thieves Target Teens and Young Adults (February 2006)
Worker Discrimination Claims Top List of EPL Worries (January 2006)
HSB Offers Online Equipment Logs (December 2005)
HSB's Data Recovery Coverage Protects Your Clients' Valuable Business Information (November 2005)
Small Business Owners Worry About Employee Charges (October 2005)
Employers Talk About Workplace Complaints - "Sleepless Nights and the "Frequent Filer" (October 2005)
"Spam, Scams and PC Spyware" - ID Thieves Prowl the Internet to Steal Your Personal Information (September 2005)
Don't Leave Small Business Clients Exposed To Workplace Charges (August 2005)
Identity Theft Coverage Expands in the Commercial Market (July 2005)
HSB InstantQuote Offers New Rewards for 2005 (May 2005)
New Agent Says, "This Is Too Easy ..." (May 2005)
Tax Season Brings New Risks for Identity Theft (February 2005)
Agents Succeed with HSB InstantQuote, Here's How They Do It (February 2005)
Polls
Much of America's power grid was developed over a half-century ago. Aging electrical equipment increases exposures for business and institutions. What do you think is the biggest threat to your customers? (November 2008)
The global financial crisis has sent shockwaves through our economy. Tight credit, reduced consumer spending and a slowdown in business activity will have deep implications. How long do you think it will take for markets to fully recover and healthy business growth to resume? (October 2008)
Increasing demand for nursing homes is only one example of how aging baby boomers will impact the economy. Businesses will need to rethink everything from service delivery to product design. Are you considering the needs of aging customers as you develop your own business plans? (September 2008 )
Rising global demand is straining the supplies of everything from energy to equipment. We see the results in shortages and higher prices. Aging infrastructure and new technology add to the exposures. What strategies do you view as most important to protect and grow your business? (July 2008)
Several years ago, we asked readers what they liked best about online policy management systems. They were roughly split between speed, improved service and convenience. But nearly a third of those responding didn't service their business online. Have your opinions changed? Which features do you value the most? (June 2008)
Criminals are always using new tricks to steal money and personal information. In one recent phishing scheme, a supposed "hit man" or "assassin" demands cash to spare the e-mail recipient's life. Other tactics involve phone scams, data breaches and physical thefts to gain personal information. What do you think would help most to fight the growing problem of identity theft and fraud. (May 2008)
Agents are using online systems and other technology to market their products, manage accounts and work directly with clients. Some are even looking at mobile devices, such as smart phones, PDAs and pocket projectors to support their business. How much does your company rely on the Internet and other technology? (April 2008)
Professional jurisdictional inspections are an essential part of an equipment breakdown insurance program. Yet, customers don't always appreciate the importance of quality inspection service. No company does more than HSB to help customers complete their jurisdictional inspections on time. Do your clients understand the value of the inspection service you provide through HSB? (March 2008)
Data breaches continue to soar, but are insurance professionals doing enough to protect the personal information they keep on their own clients? A recent Whistlestop Express online survey found that more than 50 percent of those responding had no plan or procedures to deal with a possible data theft or loss, or to help their customers. Does this describe your company? If so, why haven't you done more? (January 2008)
An increasing amount of direct business comes to HSB through our InstantQuote online management tool. What about you? Is your company doing more quoting and policy management online? (November 2007)
New technology means new risks for identity theft and fraud. Data breaches of personal information kept by businesses continue to escalate. That's also true for insurance agents and brokers. Have you taken steps to secure the personal information you keep on clients, employees and others? Would you know how to respond if that information was compromised? (October 2007)
One factor that increases electrical exposures is the rapid advance of new technology. Today's equipment is evolving so fast it can be difficult to find parts or make repairs when it breaks down. With equipment changing so quickly, which of these issues presents the biggest risk to your clients? (September 2007)
HSB offers webinars on equipment breakdown and specialty programs. Many agents and brokers find the online sessions a convenient way to learn about exposures, coverage and new trends. What about you? Do you take advantage of the webinars offered by HSB, industry groups and other organizations? (July 2007)
Government statistics show that more homes and businesses are equipped with central air conditioning, and we're using it more often. Rising average temperatures would seem to continue that trend, but energy prices are also climbing. What effect do you think the price of electricity will have on air conditioning use, and breakdown exposures? (June 2007)
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? (May 2007)
HSB industry specialists say that machine shops with modern equipment are often better insurance risks. In part, it's because they compete for more profitable work and have tight deadlines, so they're less tolerant of breakdowns and business interruptions. HSB prides itself on getting insureds back in operation as fast as possible. Would you say the machine shop owners among your clients are: (April 2007)
The insurance marketplace is always changing. Looking ahead, what issues do you think will challenge you most as your company adapts and grows? (February 2007)
High-profile data breaches are just one of many factors that are impacting business activities and changing the way the public thinks about identity theft. Data security specialists, including those who work with HSB, report that growing criminal sophistication, increased use of laptop computers and new laws are also altering perceptions and business practices. Which of these trends do you think had the most effect on your clients in the past year? (January 2007)
So many companies have reported the breach of personal information. These incidents have affected millions of Americans. Even small companies are at risk. Yet, many are not prepared to deal with the theft or loss of personal information. What about your clients? Would they know how to respond? Could they afford the cost? (November 2006)
Previous surveys have shown that most of your clients lack equipment breakdown insurance. The main reasons, according to those responding, are that insureds don't understand the coverage, or don't believe they're at risk. Which of the following tools do you think are most effective in selling this important coverage? (October 2006)
Technology has changed the insurance industry. Online tools such as HSB's My Policies Web-based policy management system and InstantQuote feature make agencies and brokerage firms more efficient and improve customer service. How much does your company rely upon the Internet to get quotes, bind policies and service your insurance business? (August 2006)
Drought, wild fires, hurricanes. The news is filled with stories about natural disasters and issues such as global warming. All of these exposures could have a potential impact on property coverage. Rising temperatures, for instance, would make air conditioning equipment work harder and increase the risk of breakdowns. Is all this public attention affecting your clients? Are you experiencing greater interest and demand for coverage in your property insurance business because of concerns about climate and the environment? (July 2006)
The courts increasingly require employers accused of EPL charges to demonstrate that they have made reasonable efforts to prevent unlawful practices. HSB's Portfolio EPL program offers online loss prevention services for insured clients. How many of your clients take proactive steps to avoid employee EPL claims? (June 2006)
In talking with agents, we find the vast majority think it would be valuable to offer a homeowners policy that includes equipment breakdown coverage. What coverage features would you consider most important? (May 2006)
The Trusted Choice® branding campaign highlights the benefits that consumers get from independent insurance agents: choice of companies, customized policies and advocacy support. When choosing an equipment breakdown insurer for your clients, which features are most important to you: (April 2006)
HSB recently released My Policies - our new online policy management system designed to make customer service faster, easier and more efficient for you. If you haven't checked out this valuable tool click here for a demo. We'd also like to know which features are most important to you in a policy management system. (March 2006)
ID theft has been called America's fastest growing financial crime. We tell our clients to protect their personal information from theft and misuse. But what about you? Has this exposure changed the way you handle personal information in your home or business? If so, do you continue to update protection to guard your financial information from theft and fraud? (February 2006)
Discrimination due to race, age, gender or disability was cited as the No. 1 concern among small business owners and executives who were surveyed by HSB about potential employee charges or lawsuits. Which of the categories below would you rank as the biggest potential workplace legal exposure facing you and your clients? (January 2006)
Competition and new technology continue to change the way that both you and your clients do business. This trend also has raised expectations of customer service, with insureds demanding faster and easier solutions. What do you think is a reasonable period of time to respond when a client calls your office with a policy service question? (December 2005)
The loss of computer data can virtually shut down a business or institution. Information technology specialists say one of the most important ways to help prevent or minimize a loss is to back up data, preferably to an off-site location. Even then, records may be lost. Do your clients, smaller businesses in particular, back up critical data? (November 2005)
Many agents have streamlined their business and improved client service with online policy management systems. They work with carriers online to quote, bind and service policies. What do you like best about this electronic tool? (October 2005)
The Gulf Coast hurricanes have brought renewed attention to emergency planning. Do you discuss with your clients the importance of protecting vital equipment in the event of a storm, power outage, or other emergency? (September 2005)
With identity theft targeting millions of Americans each year, chances are you or someone you know has been a victim. What is the most serious consequence of identity theft and identity fraud? (August 2005)
Employment Practices Liability coverage (EPL) was once purchased primarily by large companies. Demand is growing, however, for EPL coverage that serves smaller businesses and institutions. What factor do you think is most important in choosing coverage for these smaller risks? (July 2005)
Electrical equipment is now a critical component of virtually every type of business. What percentage of equipment breakdowns do you estimate are caused by power surges and other power quality problems? (June 2005)
Thousands of agents and brokers have tried HSB InstantQuote. If you're using InstantQuote to quote and bind monoline equipment breakdown coverage online, do you find that your company is: (May 2005)
Most retail businesses use point-of-sale equipment such as electronic cash registers. Yet, too many owners overlook the need to protect these valuable assets with equipment breakdown insurance. How many of your clients rely on POS equipment and systems? (April 2005)
FLast month, most of you said less than 25 percent of your commercial clients are covered for equipment breakdown. For those without coverage, what is the most common reason? (March 2005)
Agents: While every business depends on equipment for day-to-day operations, a surprising number still are not covered for equipment breakdown. About what percent of your commercial customers have equipment breakdown coverage? (February 2005)
Tools To Help You Sell
10 Ways To Protect Your Name And Credit From Identity Fraud (July 2005)
Online Tools Help You Explain Exposures, Coverage (May 2005)
Paid Claims
Examples of recently paid claims
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Archives By Date
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February 2005 Whistlestop Express >
Articles and Features:
Agents Succeed with HSB InstantQuote, Here's How They Do It
Welcome To The New Whistle Stop
30-Minute Webinars
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Summer 2004 >
Articles and Features:
Broken Equipment Can Spoil A Restaurant's Business
HSB Offers Identity Recovery Coverage Through Other Insurers
HSB's Portfolio EPL Coverage For Insurers-Afforable, Easy, Competitive
There's Still Time To Win Prizes For Using HSB InstantQuote
We Help Clients Avoid Loss, Online Anytime
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Spring 2004 >
Articles and Features:
Introducing HSB InstantQuote
Most Agents Still Choose Packaged Coverage
Farmers Work Hard, So Does Their Equipment
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Winter 2004 >
Articles and Features:
"HSB IQ" A Web-Based Sales Tool That You Can Use
Electronic Files Speed Up HSB Customer Service
School Security Adds New Equipment Risks
Five Easy Pieces
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Fall 2003 >
Articles and Features:
HSB "Webinars" Help You Sell Equipment Coverage
Do Your Clients Have Enough Business Income Coverage?
Your Clients Keep Their Equipment Up To Date
Servicio de Fax-Al-Solicitar de la HSB
The Insurance Professional - Power Outages Don't Automatically Trigger Coverage
Claim Success Stories - Inspector Helps Church Save On Fuel Bills
Recent Paid Claims
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Summer 2003 >
Articles and Features:
HSB Agent Survey Shows Most Accounts Need Equipment Insurance
On the Road: HSB Protects Off-Premises Equipment
Can Your Clients Take The Heat? HSB Online Tips Can Help Avoid AC Breakdowns
Equipment Breakdown Exposures, Then and Now - New Technology Demands Better Coverage
The Insurance Professional - HSB Adds Contingent Business Income Coverage
Claim Success Stories - Infrared Finds "Hot Spots," Prevents High-Rise Shutdown
Recent Paid Claims
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Spring 2003 >
Articles and Features:
How Do You Win And Keep Good Business
I Don't Have To Worry ... and Did You Know? Power Surges Can Sneak In The "Back Door"
HSB Fills "Surge Gap" Others Ignore and Are Your Clients Covered?
What Is The Difference Between A Deductible And A Waiting Period?
What Equipment Breaks Down Most Often?
Visit Our New Web Site At WWW.HSB.COM
Water And Electricity Don't Mix In Chicken Plant
Recent Paid Claims
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Winter 2003 >
Articles and Features:
"HSB IQ" - A Web-Based Sales Tool That You Can Use
Electronic Files Speed Up HSB Customer Service
School Security Adds New Equipment Risks
Five Easy Pieces
The Insurance Professional
Claim Success Stories
HSB Helps Glass Company Get a Break
Recent Paid Claims
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Fall 2002 >
Articles and Features:
HSB Claim Service Goes The Extra Mile
HSB Inspectors Can Be Your "Eyes and Ears"
Increased Risks Don't Stop Foreign Travel
HSB Offers Mold Protection Program
Expediting Vs. Extra Expense Coverage
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Summer 2002 >
Articles and Features:
HSB OneSource Offers Protection Abroad For The Occasional Traveler
Diagnostic Center Impressed By HSB Repair Network
What's Up With Elevator Breakdowns?
Reading The Fine Print: Equipment Warranties Are Limited
Rented Equipment Can Make The Difference
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Hartford Steam Boiler - One State Street - P.O. Box 5024 - Hartford, CT 06102-5024
Phone: 860-722-1866 - Fax: 860-722-5106
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©1996-2010 The Hartford Steam Boiler Inspection and Insurance Company.
All rights reserved.
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