HSBC Insurance Brokers Limited arranges policies to meet the protection requirements of most companies operating in the hi-tech industry. Areas include:

Property damage
Buildings, stock, machinery, plant and all other contents may be insured on all ‘all risks’ basis at your premises or anywhere in the world, other than in transit.

Goods in transit
Goods in transit by air, sea, road and rail, in which you have an insured interest are insured on all ‘all risks’ basis in the UK and in most countries and territories around the world.

Computer all risks
Computers and ancillary equipment are insured on an ‘all risks’ basis, including breakdown (subject to a maintenance agreement) at your premises or anywhere in the world. The item insured is also covered in transit in most countries and territories around the world. Cover may be extended to include the increased cost of working and the reinstatement of data.

Business interruption
Cover provides indemnity for any reduction in gross profit/revenue incurred as a result of the interruption of the business following property damage. A number of cover extensions apply:

• Utilities 
• Specified suppliers 
• Specified customers 
• Infectious diseases 
• Transit 
• Contract sites

Employers’ liability
Provides legal liability protection should employees be injured or contract a disease as a result of their employment. (Employers’ Liability [Compulsory Insurance] Act 1969.)

Public liability
Provides legal liability protection for injury to third parties or damage to their property occurring in connection with your business. (Worldwide jurisdiction.)

Products’ liability
Provides legal liability protection for injury to third parties or damage to their property caused by defective products or workmanship. (Worldwide jurisdiction.)

Professional indemnity
Provides civil liability protection for financial losses incurred in the course of your business and arising from the provision of advice, products or services subject to claims being made and notified during the period of insurance. Retroactive cover is available. (Worldwide jurisdiction.)

Intellectual property rights
Legal costs and expenses to cover the infringement of intellectual property rights.

Network security
Computer and telecommunication systems, computer software and data are insured against specific and random hacking or virus attacks. Cover includes reduction in gross profit/revenue following such damage and denial of service attacks. Additional benefits include:

• Dependent business 
• Post-loss security services 
• Rewards 
• Public relations crisis management 
• Telecommunications theft

Cybermedia liability
Provides civil liability protection against third party losses for any business that uses, for example, the internet and e-mail.

Cover includes:

• Defamation and intellectual property rights
• Personal rights
• Computer virus
• Data Protection Act
• Denial of access
• Cyber computer fraud and computer misuse

Subject to claims being made and notified during the period of insurance (Worldwide jurisdiction.).

Directors’ and officers’ liability
Provides personal liability protection for directors, officers and senior employees in the event of malpractice in corporate governance.
Cover includes legal defence costs and damages awarded against the individual as a result of the action.

Offences may include:  

• Financial mismanagement
• Breaches of company law
• Employment issues
• Discrimination
• Harassment
• Libel and slander   

For a free no obligation quote choose from one of the following:

	Telephone us on 01444 458144 (Lines are open 9am - 5pm Monday to Friday
	To request a call back from one of our team click here, then choose between 9am and 12 noon, or 12 noon and 5pm, Monday - Friday. We'll ring you back as soon as possible.

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