Arbella Protection Insurance Company has received Rhode Island approval for a commercial water sensor program developed with HSB, offering monitoring services and premium credits of up to 10%.

The program applies to Arbella’s commercial package, commercial property and businessowners policies, effective January 1, 2027, for new and renewal business. HSB will provide the sensor devices and ongoing monitoring.

Arbella’s “SenseIt Credit” offers three levels of savings on eligible building and business personal property premiums:

• 3% for customers with a qualifying water sensor device, including equipment obtained outside the HSB program.
• 5% for customers with a water sensor enrolled in Arbella’s Water Sensor Program.
• 10% for enrolled customers also participating in Arbella’s Loss Control Weather Resiliency Program.

Qualifying devices must be installed, active and monitored to detect leaks and temperature changes. The weather resiliency program involves working with Arbella’s loss control team after an inspection to implement measures protecting the premises from extreme weather.

The water sensor endorsement carries a premium of $75 to $545 per eligible building, depending on kit size. It also adds coverage for reasonable extra costs to make temporary pipe repairs and expedite permanent repairs following qualifying water damage, within the applicable per-loss limit.

Rhode Island regulators approved the three filings on November 9.