Hartford Steam Boiler, part of Munich Re, has filed an updated cyber insurance product in Oregon called HSB TotalCyber+, replacing its TotalCyber offering.

The filing seeks a January 1, 2027 effective date for new business and March 1, 2027 for renewals. HSB projects a 9.2% average rate increase across 27 Oregon policyholders, generating an estimated $9,181 in additional written premium. Individual changes would range from 8.1% to 12.2%.

The revised product introduces or expands coverage for exposures tied to cloud services, biometric information, website tracking, chatbots, cyber fraud, and technology services.

A new Google Cloud Protection endorsement would provide first-party business-income and extra-expense coverage when an insured’s network is interrupted by a Google Cloud Services outage. It would also add third-party coverage for claims arising from the insured’s use of Google Cloud Services, including bodily injury and property damage caused by their use, misuse, or failure. The endorsement is available to insureds using Google Cloud that agree to share related underwriting information with HSB.

Other additions include:

• Business impersonation fraud costs for removing fraudulent websites, social-media accounts, or job postings and issuing public notifications.
• Invoice manipulation fraud and cryptojacking and utility fraud coverage in the base policy.
• A biometric-information sublimit for claim expenses.
• Optional removal of an exclusion for chatbot or virtual-assistant disclosures.
• Website-tracking coverage for allegations related to sharing, collecting, or using viewing history.
• Technology E&O coverage, with claims-avoidance costs and subpoena-expense options.
• Post-breach remediation, including cybersecurity risk assessments, and court-attendance expenses.

HSB is also extending business-interruption terms. The proposed form includes a 365-day restoration period, 30 days of extended income recovery, and up to $25,000 for a forensic accounting firm to determine covered business-income loss and extra expense.

The filing states that the revised TotalCyber+ product remains stand-alone and that most premium-determination rules have been rewritten under a simplified rating structure.