Kovrilo, a MISSION-backed managing general agent providing modular commercial comprehensive insurance to UK SMEs, has further developed its proposition with a series of enhancements designed to expand broker choice and improve protection against increasingly prominent business risks.
Kovrilo has launched the changes in partnership with specialist engineering and technology insurer HSB, adapting its product development to businesses’ growing reliance on electrical systems, connected technologies and digital infrastructure.
Kovrilo has partnered with HSB to launch cyber insurance and electrical breakdown cover, reflecting its commitment to supporting businesses facing digital threats and operational disruption due to equipment failure. Kovrilo has also enhanced its plant, machinery and tooling coverage to extend protection of core operational assets used by businesses on a daily basis.
Kovrilo continues to build its modular insurance model around flexibility, allowing brokers and clients to structure coverage based on specific risk profiles rather than relying on standardized packages. Kovrilo’s approach is designed to give businesses greater control over how their insurance responds to their operational needs.
Sonia Habib, co-CEO and commercial director of Kovrilo, said: “Kovrilo’s proposition is built on choice. To provide truly tailored solutions, we need to continually expand our product suite to reflect the diverse and evolving risks that businesses face.”
Cyber ​​risks continue to pose a significant challenge to UK organizations, with the UK government’s 2025 Cyber ​​Security Breach Survey showing that 43% of businesses reported experiencing a cyber breach or attack in the past 12 months. Kovrilo has responded by launching cyber insurance designed to protect against cyberattacks, data breaches, ransomware incidents and other technology-related incidents that could result in financial loss, operational disruption or reputational damage. Kovrilo also provides professional incident response services to support enterprises in managing cyber incidents efficiently and effectively.
Kovrilo’s Electrical Fault Covers are introduced to provide protection against sudden and unexpected failures of electrical systems and equipment. The shield protects against losses caused by problems such as power surges, arcs, mechanical failures, and electrical disturbances. Kovrilo said it can support repair or replacement costs, damage to electrical and electronic equipment, mechanical and control system failures, interruption of business activity following a covered failure and additional expenses required to maintain operational continuity.
Habib added: “The consequences of cyber incidents and equipment failures go well beyond the cost of direct repair or replacement. For many small and medium-sized businesses, they can result in lost revenue, operational disruption, reputational impact and unexpected costs at a time when resources are already under pressure. These enhancements allow us to provide brokers with more options and protection around the realities of client operations, ensuring the right cover is in place when it is needed most.”
