The Hartford Steam Boiler Inspection and Insurance Company

HSB offers AI liability insurance designed to cover risks associated with the deployment and operation of artificial intelligence systems, including claims of IP infringement, privacy violations, and algorithmic errors. The product is targeted at businesses integrating AI into their operations.

HSB was founded in 1866 and wrote the first boiler insurance policy in the United States. Its original business model involved inspecting steam boilers for safety before offering coverage, a practice that laid the foundation for the modern equipment breakdown insurance line.

HSB operates as a subsidiary of Munich Re, one of the world's largest reinsurance groups, though it continues to underwrite under its own brand and maintain its own product lines and underwriting approach.

HSB provides commercial cyber insurance tailored for auto-related cyber exposures covering business interruptions, along with general cyber liability policies for small and mid-sized businesses, including coverage for data breaches, extortion, and network damage.

Yes, HSB manufactures and sells its own line of smart home sensors under the Meshify brand, including the Meshify Slim flood and freeze detector. It partners with companies like Samsung Electronics to integrate smart home savings programs directly with connected devices.