Capabilities overview
At The Hanover, we view the ever-changing dynamics of our industry as an opportunity to shape a bright, successful and safer future. Our proven business model enables us to anticipate and respond swiftly to emerging trends, create opportunities for our independent agent partners and offer valuable insurance protection for our customers.
Broad portfolio of personal, core and specialty lines insurance
A track record of strong performance We take great pride in our commitment to delivering a superior customer experience and being there when it matters most.
Over 170 years of delivering on our promises to agents and customers
“A” ratings from AM Best and S&P Global
A+ rating from the Better Business Bureau
9 out of 10 customers with a paid claim say they would recommend us
TIME World’s Best Companies 2023–present
Forbes World’s Best Companies 2022–present
Newsweek America’s Best Customer Service 2023–present
Committed to the independent agency channel The Hanover’s dedicated professionals work with 2,100 of the finest agents to deliver great results for our customers.
Product highlights — offering core and specialty lines coverage on an admitted and non-admitted basis. For small businesses with premiums up to $50,000, we offer multi-line solutions for 600+ classes, including BOP and CPP options. Mid-sized businesses benefit from specialized industry programs for construction, education, human services, manufacturing, technology and life sciences.
Specialized expertise — experienced underwriters with local knowledge and decision-making authority are complemented by dedicated teams that manage complex claims, including catastrophic general liability and workers’ compensation injuries, healthcare, professional liability, technology errors and omissions, marine and surety claims.
Convenient digital solutions — quote-and-issue platforms for BOP, auto, workers’ compensation, bonds, builder’s risk, contractor’s equipment, cyber, management liability and miscellaneous professional liability, along with digital connections to agency management systems. Our customer self-service portal enables policy management, billing preferences, claims reporting, and the ability to review and update risk management recommendations.
Industry-leading customer service center — supports both standard and specialty lines.
Risk management services — provide on-demand articles, training and tools, Risk Solutions consultants that develop personalized approaches to preventing loss, and partner prevention services such as cybersecurity, asset tracking, water detection and more, depending on the customer.
With you, every step
17%
21%
15%
23%
24%
INSURANCE BUSINESS MIX
2024 net premiums written
For businesses
• Auto
• Business owner’s policy (BOP)
• Cyber
• Excess and surplus (E&S)
• General liability
• Industrial property
• International
• Management liability
• Marine
• Professional liability
• Programs
• Property
• Specialty general liability
• Surety
• Umbrella
• Workers’ compensation
Total account solutions — available in 19 states, tailored to serve preferred account customers.
Hanover Prestige — coverage and services, including designated claims experts and risk consultants, for customers with high-value homes and autos, and more complex insurance needs.
Hanover Platinum — an auto and home package with one common effective date and account bill for an optimal customer experience and higher retention.
Dedicated professionals — local sales teams and direct access to underwriters with high-value expertise.
Innovative tools — technology including state-of-the-art quote and issue platform and a service and underwriting dashboard.
Industry-leading consolidation capabilities and customer service center — help agents sell value and maximize performance.
Risk mitigation resources — information to keep customers educated and reduce their chance of a loss, with risk prevention vendor partners, proactive tips and alerts, and high-net-worth risk consultants.
Digital customer self-service offerings — ranging from paperless and text notifications, report a claim, claims status tracker, and billing chat.
For individuals
• Auto
• Collector car***
• Cyber protection
• Dwelling fire
• Home
• Motorcycle***
• Off-road vehicles***
• Umbrella
• Valuable items
• Watercraft
Account solutions tailored to fit each customer’s unique needs
Direct access to underwriters with authority and expertise
Comprehensive consulting, tools and resources to minimize risk
Responsive claims service, including flexible self-service options
Technology that powers an enhanced insurance experience
Download PDF version
Learn more
With you, every step
* Business Owner’s Advantage is not available in FL
** Non-admitted coverage offered through Hanover Specialty Insurance Brokers, Inc., The Hanover’s in-house E&S brokerage. CA License # 0759293 NY License # EX-530458-R
*** Coverages are not available in all states
Learn more
Cyber
Suite of products for non-technology businesses such as contractors, professional services, wholesalers and more includes admitted and non-admitted** standalone policies and add-ons for BOP and CPP policies.
Hanover Technology Professional and Cyber Advantage offers technology companies important coverages with the convenience of a single unified form.
Excess and surplus (E&S)
Hanover Specialty Excess and Surplus offers select agent partners non-admitted** property and casualty solutions for businesses with moderate to challenging exposures that are already in, or are headed to, the E&S market.
Industrial property
Offering admitted and non-admitted** property coverage for sprinklered businesses requiring increased protection due to high fire loads or potentially volatile manufacturing processes.
Management liability
Targeting private companies, not-for-profit organizations and financial institutions.
Suite of products includes directors, officers and entity liability (D&O), employment practices liability (EPL), crime, fiduciary liability, and kidnap and ransom.
Marine
Portfolio of specialized coverages includes builder’s risk, contractor’s equipment, energy, fine arts floaters, installation floaters, motor truck cargo, ocean cargo, property floaters, riggers liability and warehouse legal liability.
Professional liability
Offering solutions for professional service firms and healthcare organizations, including accountants, allied healthcare organizations, architects and engineers, eldercare organizations**, lawyers and miscellaneous professionals.
Programs
Targeting homogeneous business that requires unique products and underwriting, from well-established programs with meaningful primary premium to startup programs.
Custom program solutions based on client needs and capabilities, ranging from admitted or non-admitted product solutions, to captives, delegated authority, risk purchasing groups and more.
Specialty general liability
Offering admitted general liability and umbrella/excess coverage for manufacturing, wholesale, distribution and import businesses with higher-hazard products liability exposures.
Surety
Commercial surety bonds for clients ranging from individuals and smaller businesses seeking small bonds up to $1 million for low-risk obligations, to Fortune 1000® companies in nearly any industry seeking bond programs of $150 million or more.
Contract surety bonds for a wide range of construction businesses with work backlogs up to $100 million.
Specialty lines
Learn more
Auto
Available broadening endorsement that expands the coverage of a commercial auto policy.
Offering a wide range of risk management services including organizational fleet safety, telematics, and driver safety training.
Business Owner’s Advantage (BOP)
Nationwide availability* with five broadening endorsement options, offering over 45 enhanced coverages.
Add 10 industry-specific endorsements for tailored coverage options.
Easily amend limits on over 30 important coverages to meet your client’s specific needs.
General liability
General liability endorsement options for monoline general liability and commercial package policy (CPP).
Expand coverage with industry-specific enhancements tailored for 11 industries.
International
Hanover Global Reach offers a wide range of industries with foreign risk, including life sciences, technology, manufacturing, education and more. Our offerings include both admitted and non-admitted options, including controlled master programs.
Property
Select from our four base broadening endorsements, adding 60+ coverages to meet your client’s coverage needs. Further customize with 16 industry-specific coverage enhancements.
Workers’ compensation
Available nationwide and globally, our solutions cater to businesses of all sizes.
Customers benefit from dedicated risk management and claims services, including the Hanover Work Safe program, Nurse Triage 24, and broad medical networks, to prevent injuries and support injured workers through the claims process.
Umbrella
Coverage with the ability to schedule employer’s liability and commercial auto in addition to general liability.
Core lines
Committed to the independent agency channel The Hanover’s dedicated professionals work with 2,100 of the finest agents to deliver great results for our customers.
Committed to the independent agency channel The Hanover’s dedicated professionals work with 2,100 of the finest agents to deliver great results for our customers.
Learn more
Total account solutions — available in 19 states, tailored to serve preferred account customers.
Hanover Prestige — coverage and services, including designated claims experts and risk consultants, for customers with high-value homes and autos, and more complex insurance needs.
Hanover Platinum — an auto and home package with one common effective date and account bill for an optimal customer experience and higher retention.
Dedicated professionals — local sales teams and direct access to underwriters with high-value expertise.
Innovative tools — technology including state-of-the-art quote and issue platform and a service and underwriting dashboard.
Industry-leading consolidation capabilities and customer service center — help agents sell value and maximize performance.
Risk mitigation resources — information to keep customers educated and reduce their chance of a loss, with risk prevention vendor partners, proactive tips and alerts, and high-net-worth risk consultants.
Digital customer self-service offerings — ranging from paperless and text notifications, report a claim, claims status tracker, and billing chat.
* Business Owner’s Advantage is not available in FL
** Non-admitted coverage offered through Hanover Specialty Insurance Brokers, Inc., The Hanover’s in-house E&S brokerage. CA License # 0759293 NY License # EX-530458-R
*** Coverages are not available in all states
For individuals
• Auto
• Collector car***
• Cyber protection
• Dwelling fire
• Home
• Motorcycle***
• Off-road vehicles***
• Umbrella
• Valuable items
• Watercraft
A track record of strong performance We take great pride in our commitment to delivering a superior customer experience and being there when it matters most.
Over 170 years of delivering on our promises to agents and customers
“A” ratings from AM Best and S&P Global
A+ rating from the Better Business Bureau
TIME World’s Best Companies 2023–present
Forbes World’s Best Companies 2022–present
Newsweek America’s Best Customer Service 2023–present
9 out of 10 customers with a paid claim say they would recommend us
Specialty lines
Learn more
Cyber
Suite of products for non-technology businesses such as contractors, professional services, wholesalers and more includes admitted and non-admitted** standalone policies and add-ons for BOP and CPP policies.
Hanover Technology Professional and Cyber Advantage offers technology companies important coverages with the convenience of a single unified form.
Excess and surplus (E&S)
Hanover Specialty Excess and Surplus offers select agent partners non-admitted** property and casualty solutions for businesses with moderate to challenging exposures that are already in, or are headed to, the E&S market.
Industrial property
Offering admitted and non-admitted** property coverage for sprinklered businesses requiring increased protection due to high fire loads or potentially volatile manufacturing processes.
Management liability
Targeting private companies, not-for-profit organizations and financial institutions.
Suite of products includes directors, officers and entity liability (D&O), employment practices liability (EPL), crime, fiduciary liability, and kidnap and ransom.
Marine
Portfolio of specialized coverages includes builder’s risk, contractor’s equipment, energy, fine arts floaters, installation floaters, motor truck cargo, ocean cargo, property floaters, riggers liability and warehouse legal liability.
Professional liability
Offering solutions for professional service firms and healthcare organizations, including accountants, allied healthcare organizations, architects and engineers, eldercare organizations**, lawyers and miscellaneous professionals.
Programs
Targeting homogeneous business that requires unique products and underwriting, from well-established programs with meaningful primary premium to startup programs.
Custom program solutions based on client needs and capabilities, ranging from admitted or non-admitted product solutions, to captives, delegated authority, risk purchasing groups and more.
Specialty general liability
Offering admitted general liability and umbrella/excess coverage for manufacturing, wholesale, distribution and import businesses with higher-hazard products liability exposures.
Surety
Commercial surety bonds for clients ranging from individuals and smaller businesses seeking small bonds up to $1 million for low-risk obligations, to Fortune 1000® companies in nearly any industry seeking bond programs of $150 million or more.
Contract surety bonds for a wide range of construction businesses with work backlogs up to $100 million.
Core lines
Learn more
Auto
Available broadening endorsement that expands the coverage of a commercial auto policy.
Offering a wide range of risk management services including organizational fleet safety, telematics, and driver safety training.
Business Owner’s Advantage (BOP)
Nationwide availability* with five broadening endorsement options, offering over 45 enhanced coverages.
Add 10 industry-specific endorsements for tailored coverage options.
Easily amend limits on over 30 important coverages to meet your client’s specific needs.
General liability
General liability endorsement options for monoline general liability and commercial package policy (CPP).
Expand coverage with industry-specific enhancements tailored for 11 industries.
International
Hanover Global Reach offers a wide range of industries with foreign risk, including life sciences, technology, manufacturing, education and more. Our offerings include both admitted and non-admitted options, including controlled master programs.
Property
Select from our four base broadening endorsements, adding 60+ coverages to meet your client’s coverage needs. Further customize with 16 industry-specific coverage enhancements.
Workers’ compensation
Available nationwide and globally, our solutions cater to businesses of all sizes.
Customers benefit from dedicated risk management and claims services, including the Hanover Work Safe program, Nurse Triage 24, and broad medical networks, to prevent injuries and support injured workers through the claims process.
Umbrella
Coverage with the ability to schedule employer’s liability and commercial auto in addition to general liability.
Product highlights — offering core and specialty lines coverage on an admitted and non-admitted basis. For small businesses with premiums up to $50,000, we offer multi-line solutions for 600+ classes, including BOP and CPP options. Mid-sized businesses benefit from specialized industry programs for construction, education, human services, manufacturing, technology and life sciences.
Specialized expertise — experienced underwriters with local knowledge and decision-making authority are complemented by dedicated teams that manage complex claims, including catastrophic general liability and workers’ compensation injuries, healthcare, professional liability, technology errors and omissions, marine and surety claims.
Convenient digital solutions — quote-and-issue platforms for BOP, auto, workers’ compensation, bonds, builder’s risk, contractor’s equipment, cyber, management liability and miscellaneous professional liability, along with digital connections to agency management systems. Our customer self-service portal enables policy management, billing preferences, claims reporting, and the ability to review and update risk management recommendations.
Industry-leading customer service center — supports both standard and specialty lines.
Risk management services — provide on-demand articles, training and tools, Risk Solutions consultants that develop personalized approaches to preventing loss, and partner prevention services such as cybersecurity, asset tracking, water detection and more, depending on the customer.
For businesses
• Auto
• Business owner’s policy (BOP)
• Cyber
• Excess and surplus (E&S)
• General liability
• Industrial property
• International
• Management liability
• Marine
• Professional liability
• Programs
• Property
• Specialty general liability
• Surety
• Umbrella
• Workers’ compensation
Click the tabs below to explore our core and specialty lines offerings.