Kovrilo, a MISSION-backed managing general agent that provides modular commercial combined insurance for UK small and medium-sized enterprises, has developed its proposition further through a series of enhancements intended to widen broker choice and improve protection against increasingly prominent business risks.
Kovrilo has introduced these changes in partnership with specialist engineering and technology insurer HSB, aligning its product development with the growing dependence of businesses on electrical systems, connected technologies and digital infrastructure.
In collaboration with HSB, Kovrilo has launched Cyber cover and Electrical Breakdown cover, reflecting its focus on supporting businesses exposed to both digital threats and operational disruption caused by equipment failure. Kovrilo has also strengthened its Plant, Machinery & Tools cover to extend protection for core operational assets used by businesses on a daily basis.
Kovrilo continues to build its modular insurance model around flexibility, enabling brokers and clients to construct cover based on specific risk profiles rather than relying on standardised 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 at Kovrilo, said: “Kovrilo’s proposition is built on choice. To provide truly tailored solutions, we need to keep expanding our product suite to reflect the wide range of evolving risks businesses face.”
Cyber risk continues to present a significant challenge for UK organisations, with the UK Government’s Cyber Security Breaches Survey 2025 indicating that 43% of businesses reported experiencing a cyber breach or attack in the last 12 months. Kovrilo has responded by introducing Cyber cover aimed at protecting against cyber attacks, data breaches, ransomware events and other technology-related incidents that may lead to financial loss, operational interruption or reputational harm. Kovrilo also provides access to specialist incident response services to support businesses in managing cyber events efficiently and effectively.
Kovrilo’s Electrical Breakdown cover has been introduced to provide protection against sudden and unexpected failure of electrical systems and equipment. The cover responds to losses arising from issues such as power surges, electrical arcing, mechanical faults and electrical derangement. Kovrilo states it can support repair or replacement costs, damage to electrical and electronic equipment, machinery and control system failures, interruption to business activity following a covered breakdown, and additional expenditure required to maintain continuity of operations.
Habib added: “Cyber incidents and equipment failures can have consequences well beyond the immediate cost of repair or replacement. For many SMEs, 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 give brokers more options to shape protection around the realities of how their clients operate, ensuring appropriate cover is available when it is needed most.”
