At The Hanover, we approach insurance as an opportunity to tailor a coverage plan that provides not just value but peace of mind - for the business you've built, the car you drive, the place you call home.
Together with our agents, we offer standard and specialized insurance protection for small and mid-sized businesses, as well as for homes, automobiles and personal items.
We're here to protect what matters most to you.
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Why Hanover
Track record of strong performance
$4.6B in total revenues
“A” ratings from AM Best, S&P and Moody’s
A+ rating from the Better Business Bureau
Nearly 170 years of delivering on our promises to our agents, customers, employees, community partners, and investors
9 out of 10 customers with a paid home, business or auto claim say they would recommend The Hanover
Business Auto
Commercial auto insurance
When it comes to protecting your commercial autos, we can help. Our commercial auto insurance fits perfectly with our package solutions, and reduces the risk that comes with having multiple policies with multiple insurance companies.
We also offer flexible payment plans and down payment options to help you manage your budget.
The Hanover offers commercial automobile insurance for all kinds of commercial vehicles, including:
Box or straight truck
Cargo van
Delivery van
Mini van
Passenger van
Refrigerated truck
Sport utility vehicle
Step van
Crimes, Bonds, Surety, Fidelity
Fidelity and crime
Any business or organization can be a victim of fraud, embezzlement or theft. Worse, when the offender is an employee, the crime can go undetected for years. Once discovered, the ultimate impact of the crime can be enormous. The Hanover’s fidelity and crime solution protects all sizes of businesses and organizations against loss caused by criminal acts, including burglary, robbery, computer fraud, funds transfer fraud and the most significant — employee theft.
Appetite
Product offerings
The Hanover advantage
We specialize in writing crime coverage for both private and public companies, nonprofit organizations, governmental entities and financial institutions. Our broad appetite and comprehensive portfolio of innovative and market competitive products enable us to write fidelity and crime coverage for almost any kind of business or organization.
Target industries include:
Business services
Condominium/homeowner associations
Construction – specialty trade
Cities, towns and townships with 2,000 employees or less
Financial institutions
Hedge funds
Insurance companies
Private equity funds
Registered investment advisers
Traditional non-bank lenders
Healthcare
Clinics
Hospitals
Medical/diagnostic laboratories
Outpatient care centers
Physician offices
Hotels
Human services
Business associations
Professional associations
Social advocacy organizations
Manufacturing
Appliances
Chemical, plastics and rubber products
Food, soft drinks and ice
Furniture
Nonmetallic mineral product
Paper
Petroleum and coal products
Printing
Ship and boat building
Transportation equipment
Wood product
Oil, gas and mining (excluding mining of gold, silver, copper or other precious stones or metals)
Professional services
Advertising/public relations
Architectural/engineering
Consulting services
Design services
Travel arrangement and reservation services
Restaurants
Retail (excluding retail of alcohol, tobacco, furs and jewelry)
Technology – information technology, software design and development
Third-party coverage – specifically protecting client assets
D&O, E&O, EPLI, Cyber
Directors and officers liability
In today’s litigious environment, the people entrusted to manage and direct your clients’ companies and organizations are more susceptible to executive liability lawsuits than ever before. As leaders, directors and officers may be held personally liable for their management decisions, which means their personal assets are exposed to risk with every decision they make.
The Hanover’s directors and officers (D&O) liability solution helps protect personal assets of directors and officers and the financial well-being of their organization when allegations of misconduct are made.
Appetite
Product offerings
The Hanover advantage
Our broad appetite and expertise enables us to write directors and officers liability coverage for almost any company or organization of any size. We specialize in:
Agriculture
Business to business services
Business and trade associations
Charitable organizations
Construction
Food processing
Foundations
Manufacturing
Mining
Museums
Natural resources
Oil and gas
Personal services
Professional services
Social services
Software design and development
Software as a service (SaaS)
Tech manufacturing
Transportation
Vocational training
Waste management
Wholesale
E&S
Excess and surplus coverage from The Hanover
At The Hanover, we recognize that it can be challenging to find the right solution for clients with high-risk or difficult exposures that are in, or headed to, the excess and surplus (E&S) market. That’s why we offer a wide range of non-admitted solutions for our retail agent and wholesale partners.
Middle Markets
Inland Marine
Marine insurance from The Hanover
Your business, like so many other businesses across The United States, has Inland and Ocean Marine exposures that require specific coverage to protect equipment, tools, papers, and other valuables. Finding the marine coverage that is right for you can be complicated, time-consuming and cost-prohibitive. That’s where The Hanover and your local independent agent come in.
A top-10 marine carrier, The Hanover has the expertise to develop custom marine insurance solutions with industry-specific coverages to meet your unique business needs. Our team includes expert risk managers who can find ways to help reduce your risk, plus dedicated, 24/7 claims specialists to process your claim quickly and fairly.
The Hanover offers marine coverage for industries including:
Building and construction
Transportation
Communication
Energy
Healthcare
Educational services
Cultural institutions
Manufacturing and wholesale
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Small Commercial
Small Commercial has 600+ NAICS codes
– Risks up to $15M Total Insurable Values (TIV) and/or $15M sales per location is BOP eligible
- If nor BOP eligible, we offer a Package option
Hanover Advantage!
- Package eligible business
– Account premium up to $50,000
– Technology, Manufacturing (light) Professional Services & Financial Services
– Grocery/Convenience Stores – Apartments – Hotels – Wood Manufacturers – Wineries – Laundromats – Furniture – Churches – Tire Shops
Flexible, total account solutions
for small businesses
At The Hanover, we understand that small business insurance doesn’t mean simple insurance. That’s
the reason we’ve built our small commercial capabilities—with core lines and specialty products, along
with value-add services to meet your clients’ needs. Our offering enables you to place all coverages
with a single carrier, making it easier for you to service accounts, ensure your clients benefit from
total account solutions and services, and maximize your relationship. Our goal is your goal: satisfied,
protected clients.
Tech-Life Sciences
Life sciences
Life sciences is all about potential—to change a life, or even save a life. Hanover Life Sciences Advantage offers a broad array of specialized coverages for the unique risks of life sciences organizations, including:
Medical device research and development, manufacturers and distributors of diagnostic, surgical, therapeutic, and monitoring devices
Pharmaceutical research and development, manufacturers and distributors
Digital health including healthcare information technology and telemedicine
Contract research including pre-clinical and clinical support to the pharmaceutical, biotechnology and medical device industries, in addition to research institutes
Our broad solution, Hanover Life Sciences Advantage, was designed for the complex coverage needs of life sciences organizations. Its flexible coverages and services can be customized for the unique needs of a wide array of companies in the diverse life sciences segment.
Workers Compensation
Workers’ compensation
You count on your employees every day, and do everything you can to help make sure they are safe on the job. But accidents happen.
Workers’ compensation insurance offers coverage for work-related accidents or illnesses, helping to pay for medical care, rehabilitation and lost wages.
Our solutions include both coverage and service offerings to align with the needs of a wide range of businesses.
