Differentiation can be a hefty business challenge in a commodity world. Over the years, adherence to green practices has become one point of difference, and Hartford Steam Boiler Inspection and Insurance Co (HSB) began to capitalize on that trend more than a decade ago by providing commercial clients with coverage designed for their aspirations to go green. Now, it has expanded that coverage to fill additional insurance needs for green organizations. HSB Green Equipment Breakdown Coverage, which replaces the Environment Safety and Efficiency Coverage with new and enhanced protection, became available in most jurisdictions on July 1. It is included within HSB's Freestyle policies at no extra cost. Bebout says he is unaware of another insurer offering this coverage. HSB partners with a large number of other insurers in its areas of expertise, and as it does so, it encourages its engineers to speak to them about green exposures.