Hanover Middle Market Capabilities
Why The Hanover • Selective distribution • Focused on agent economics • Local, experienced frontline team • Innovative solutions • Broad appetite • National carrier with a local focus • Value-added tools and services • Financial stability
Why The Hanover for Middle Market People: Our Middle Market team – Local experts with high degree of underwriting authority – Service focused with quick decision making – Acts as “broker of capabilities” for Hanover’s products Products: Tailored specifically for our industry solutions – Full product range offering comprehensive protection – Wide array of unique coverages to differentiate your sales and service Services: Delivering value beyond the coverage forms – Risk Management to help customers mitigate exposures – Claims professionals with deep technical expertise across all lines and industries – Online tools and resources to complement your local underwriting team
The Hanover’s Industry Solutions Approach
Target Appetite is established locally; targeting select commercial and service contractors Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Contract Surety • Commercial Surety - • • License & Permit Bonds Street/Highway Permit Bonds Employment Practices Liability Private Company Management Liability Inland Marine (Contractors, Equipment Coverage, Builders Risk) Hanover Specialty Insurance Brokers (Pollution & Professional) Product and Service Differentiators • Per Project Aggregate • Blanket Additional Insured • Contractors Limited Pollution Liability Endorsement • Equipment Theft Protection/GPS via Risk Solutions Partnership with Lo. Jack • Risk Solutions Jobsite Programs include: Risk Transfer Best Practices, Safety Programs and Protecting Equipment/Securing Equipment in Yard or at Jobsite
Target Appetite Craft Brewers that brew, package, and deliver their goods to a variety of markets, including: • • • Contract Breweries Micro Breweries Regional Breweries Endorsement Regional Craft Breweries Selected Brew Pubs Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability Product and Service Differentiators • Proprietary Brewers & Vintners Spoilage and Contamination Coverage • Property in Transit Coverage • Beer Leakage Endorsement • Aggregate Limits per Location on General Liability Broadening • • • Commercial Automobile Commercial Umbrella Workers’ Compensation (Limited Appetite) • Product Withdrawal Coverage • Liquor Liability Coverage (state-specific) • Equipment Breakdown Coverage • Risk Solutions Consultation Services for: Creating a Safety Culture, Alcohol Awareness and TIPS Training Program Recommendations, Proper Storage of Ingredients, Confined Spaces, Quality Control Plans, Working from Heights and Material Handling and Disaster Preparedness and Business Continuity Planning Additional Coverages to Consider • Commercial Surety (Alcohol Tax • Inland Marine (Transit Bond) • • Employment Practices Liability Fidelity & Crime Coverage) • Miscellaneous Professional Liability • Ocean Cargo
Target Appetite Wide variety of Cultural Institutions whose total insured value, including collections, is less than $50 million, such as: • • • Botanical Gardens & Arboreta • Museums – Including History, Art, Children's, Science & Technology, Transportation and others Historical – Including Sites, Buildings and Societies Libraries – Including Public, Private, Law, Corporate, Research and others Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability Product and Service Differentiators • Cultural Institutions Property Broadening Endorsement • Historical Building Valuation Clause • Fine Arts Coverage • Sexual Abuse and Molestation Coverage • Emergency Event Management Coverage • Customized Risk Solutions Training and online e-learning including: Employee Screening, Professional Boundaries and Abuse & Molestation • Risk Solutions Consultation Services for: Fire Prevention in Display • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Contract Surety • Inland Marine (Collections Coverage/Transit Coverage) • Management Liability (Private Company and Nonprofit) • Miscellaneous Professional Liability (Curators E&O) • Ocean Cargo (Worldwide Transit) Buildings and Art Restoration Areas, Food Safety in Cafeterias, Slip and Fall Prevention, Security Assessments (relating to transportation, packing and unpacking)
Target Appetite Wide range of Educational Institutions, including: • • • Charter Schools Colleges and Universities (Small, Private, and Public) Private K-12 Schools Product and Service Differentiators • Educational Institutions Property Broadening Endorsement • Data Breach Coverage • Emergency Event Management Coverage • General Liability Coverage Endorsements, including: - Schools associated with Religious Institutions Specialty Schools (e. g. , Private Instruction in Music or Art) Vocational/Trade Schools Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability Broadcast and Publication Liability Professional Services Liability for School Nurses, Psychologists, Therapists, Counselors and Athletic Trainers • • • Additional Coverages to Consider • Builders Risk • Commercial Surety • Fidelity & Crime Commercial Automobile Commercial Umbrella Workers’ Compensation Pollution Liability for Classroom Pollution Events • Sexual Misconduct or Sexual Molestation Liability Coverage Endorsement • • • School and Educators Legal Liability (E&O) Defense Cost Reimbursement for Innocent Employees who are Charged with Criminal Offenses Law Enforcement Professional Liability Coverage Customized Risk Solutions Training and online e-learning including: Employee Screening, Abuse & Molestation and Bullying Prevention
Target Appetite Broad range of food manufacturers, including: • • • Bakeries Candy Manufacturers Canned, Frozen and Dried Foods Cereal Manufacturers • • • Dairy Products Flavorings and Syrups Sauce and Dressing Manufacturers • Seasoning and Spice Manufacturers Cookie, Chip and Cracker Manufacturers Coffee and Tea Processing Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Additional Coverages to Consider • Commercial Surety (Supply Bonds) • Employment Practices Liability • Fidelity & Crime • Marine (Transit) • Private Company Management Liability Commercial Automobile Commercial Umbrella Workers’ Compensation Product and Service Differentiators • Equipment Breakdown Coverage • Product Withdrawal Expense Coverage • Spoilage and Contamination Coverage • Seasonal Increase Business Personal Property Coverage • Business Income & Extra Expense from Dependent Properties • E-Commerce Coverage • Data Breach Coverage • Risk Solutions Consultation Services for: Disaster Preparedness and Business Continuity Planning, Proper Storage of Food Products and Ingredients, Exposure to Seasonal Fluctuations, Quality Control Plans (including batch testing, record keeping and recallability), Vehicle Safety and Workers’ Compensation Safety (including hygiene and ergonomics)
Target Appetite Midscale to luxury type franchise-owned hotels and boutique hotels that cater to the business traveler. Target risk characteristics include: • • Non-Seasonal • Limited Common Amenities (e. g. , pools , fitness centers Non-Resort or conference centers) Operated by Experienced • Can Contain Restaurants Management with Bar and/or Lounge High Occupancy Rates Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Additional Coverages to Consider • Employment Practices Liability • Fidelity & Crime • Private Company Management Liability Commercial Automobile Commercial Umbrella Workers’ Compensation Product and Service Differentiators • Hospitality Property Broadening Endorsement • Reservation Systems (Non Affiliated) Worldwide Coverage • Customer Reimbursement Coverage • Guest’s Property Coverage • Hospitality Services Errors & Omissions Coverage • Liquor Liability Coverage (state-specific) • Broadened Supplemental Payments Coverage • Risk Solutions Consultation Services for: Alcohol Awareness and TIPS Training Program Recommendations, Back-up Plans/Records, Disaster Preparedness and Business Continuity Planning, Security and Safe Keeping Procedures of Guests Property, Food Safety Procedures and Passenger Transport
Target Appetite Non-profit (501 c 3) and for-profit organizations that provide professional (nonmedical) services for a disadvantaged population, including: • • • Addiction Services – Outpatient Counseling, Supporting/Independent Living Services and Facilities, Nonprofit Residential Treatment facilities including Incidental Detox Aging Services – Adult Day Care, Non-Medical In Home Assistance (Companion Care), Meals on Wheels, Senior Centers Community Services – Community Action Agencies, Ethnic-Based Groups and Centers, Food Banks, Homeless Shelters, Thrift Stores and Goodwill Industries, Temporary Housing for Families with Medical Needs and more Developmental Disabilities – Day Programs, Workshops and Vocational Services, Group Homes, Intermediate Care Facilities, Respite Services, Supported Housing Mental Health – Outpatient Counseling, Residential Facilities, Supported/Transitional Living Treatment Facilities Youth Services – Boys/Girls Club, Foster Care, Head Start Programs, Youth Groups/Services, Mentoring Programs and more Product Offerings • • • Commercial Package Policy (CPP) Commercial Property Commercial General Liability • • • Commercial Automobile Commercial Umbrella Commercial Crime Additional Coverages to Consider • • • Commercial Surety Fidelity & Crime Nonprofit Management Liability Product and Service Differentiators • • • Human Services Property Broadening Endorsement • • Property Damage Legal Liability Coverage • Risk Solutions Consultation Services for: Theft Prevention and Disaster Preparedness and Business Continuity Planning Professional Liability Abuse and Molestation Coverage Emergency Event Management Coverage Aggregate Limits per Location on General Liability Broadening Endorsement Business Auto Coverage Donated Stock Endorsement Customized Risk Solutions Training and online e-learning including: Employee Screening, Professional Boundaries, Abuse & Molestation, Workplace Harassment, Discrimination and Respect Training
Target Appetite Wide range of media services and content providers (but excludes large entertainment risks and all cable/satellite services provides) including: • Advertising Agencies – Regional and local agencies that plan, create and manage ad campaigns • Broadcasters – Radio, TV, and Cable Program Networks (with or without towers, antennas and satellite dishes) • Multimedia and Motion Picture Companies – Small and regional production and distribution Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Additional Coverages to Consider • Employment Practices Liability • Inland Marine - Broadcasters’ Communication Towers, Antennas, Satellite Dishes and Other Equipment - Builders Risk, Installation Floaters and Equipment Floaters Commercial Umbrella Workers’ Compensation Miscellaneous Professional Liability (Media Liability Coverage for Personal Advertising Injury, Intellectual Property, Website Exposures, and more) • Commercial Automobile • Private Company Management Liability Product and Service Differentiators • Communication Property Extension Endorsement • Coverage for Damage to Broadcasting Towers • Equipment Breakdown Coverage • Employee Theft including ERISA Compliance Coverage • Special Event Coverage • Liquor Liability (state-specific) • Risk Solutions Consultation Services for: Alcohol Awareness and TIPS Training Program Recommendations, Disaster Preparedness and Business Continuity Planning, Theft Prevention and Risk Transfer Techniques
Target Appetite Machine shops, stampers, tool and die shops, sheet metal workers and other accounts that make products primarily from metal, including: • Finished products that are not electrified – • Hand tools, containers, furniture, plumbing products and building metal Low- to moderate-hazard machinery – Office vending and laundry machinery, low horsepower pumps and compressors, dies, tools and fixtures, and machine tool accessories • Non-critical parts, components and assemblies Product Offerings • Commercial Package Policy (CPP) • Commercial Automobile • Commercial Property • Commercial Umbrella • Commercial General Liability • Workers’ Compensation Product and Service Differentiators • Manufacturing Property Broadening Endorsement • Extended Business Interruption • Dependent Properties • Deferred Payments • Molds, Dies, Patterns and Plates Coverage • Product Adulteration and Contamination Coverage • Prototypes Coverage • Consequential Loss to Stock Coverage • Manufacturers Errors & Omissions • E-Commerce Coverage • Global General Liability Endorsement • International Human Resources with Assistance Endorsement • Equipment Breakdown Coverage • Risk Solutions Consultation Services for: Disaster Preparedness Additional Coverages to Consider • Ocean Cargo • Commercial Surety (Supply Bonds) • Private Company Management • Employment Practices Liability • Inland Marine • Hanover Specialty Industrial – Hanover Specialty Industrial Property (HSIP) – Hanover Specialty Insurance Brokers (HSIB) and Business Continuity Planning, Risk Transfer Techniques and Safety Procedure Improvements
Target Appetite Manufacturers of plastic part components and finished products from unexpanded plastic using common processes such as: • Extrusion • Forming • Lamination • Molding Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Commercial Surety (Supply Bonds) • Employment Practices Liability • Inland Marine • Hanover Specialty Industrial - Hanover Specialty Industrial Property (HSIP) - Hanover Specialty Insurance Brokers (HSIB) • Ocean Cargo • Private Company Management Liability Product and Service Differentiators • Manufacturing Property Broadening Endorsement • Extended Business Interruption • Dependent Properties • Deferred Payments • Molds, Dies, Patterns and Plates Coverage • Product Adulteration and Contamination Coverage • Prototypes Coverage • Consequential Loss to Stock Coverage • Manufacturers Errors & Omissions • E-Commerce Coverage • Global General Liability Endorsement • International Human Resources with Assistance Endorsement • Equipment Breakdown Coverage • Risk Solutions Consultation Services for: Disaster Preparedness and Business Continuity Planning, Risk Transfer Techniques and Safety Procedure Improvements
Target Appetite Printers that perform printing services for commercial and private customers primarily using the following processes: • Digital printing, including inkjet • Letterpress, screen printing and laser • Lithography • Flexography • Thermography • Gravure (or intaglio) and relief printing Paper product manufacturers that make packaging, sanitary, and stationary paper products from purchased paper roll or paperboard stock using die-cutting and creasing or storing presses, and cutting, slitting, grinding, pressing, gluing, wrapping, re-winding, printing and packaging machinery Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Employment Practices Liability • Inland Marine • Hanover Specialty Insurance Brokers (Site and Product Pollution • • Coverage) Miscellaneous Professional Liability Private Company Management Liability Product and Service Differentiators • Printers Errors & Omissions Coverage • Cost to Correct Coverage • Direct Mailing Services Endorsement • Equipment Breakdown Coverage • Graphic Arts Coverage • E-Commerce Coverage • Data Breach Coverage • Electronic Data Processing Equipment Coverage • Business Income & Extra Expense from Dependent Properties • Global General Liability Endorsement • Risk Solutions Consultation Services for: Quality Control Procedures, Hold Harmless Agreements, Disaster Preparedness and Business Continuity Planning and Data Breach
Target Appetite Accounts that provide professional services, primarily operating from an office environment, including • • Accounting, Tax Preparation, Payroll and Bookkeeping Services • • • Consultants • • Testing Laboratories (except clinical trials) Architects, Engineers and Surveyors (except construction management) Design Services Document Preparation Services Lawyers and Notaries (less than 100 attorneys) Research and Development Services (except biotech or clinical trials) Travel agencies (except adventure tours or tours in unsafe locations) Product Offerings • Commercial Automobile • Commercial Package Policy (CPP) [Professional Liability is excluded] • Commercial Umbrella • Commercial Property • Workers’ Compensation • Commercial General Liability Additional Coverages to Consider • Lawyers Professional Liability • Miscellaneous Professional Liability • Private Company Management Liability • Employment Practices Liability • Inland Marine (high-value Electronic Data Processing and Valuable Papers and Records) Product and Service Differentiators • E-Commerce Coverage • Data Breach Coverage • Electronic Data Processing Equipment Coverage • Property Off Premises Coverage • Valuable Papers and Records Coverage • Global General Liability Endorsement • Risk Solutions Consultation Services for: Disaster Preparedness and Business Continuity Planning, Document Protection, Data Breach and Security Procedures
Target Appetite Commercial Real Estate Owners and Managers with a majority of their income generated by rents and fees from the following real estate types: • • Office Retail Light Industrial Properties including flex buildings and warehouses Class A condominiums including “mixed use” buildings that include retail, office and condominium exposures Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • Commercial Crime • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Builders Risk • Employment Practices Liability • Fidelity & Crime • Management Liability (Directors & Officers) • Miscellaneous Professional Liability (Property Managers E&O) Product and Service Differentiators • Real Estate Property Broadening Endorsement • Data Breach Coverage • Emergency Event Management Coverage • Realty Tax Coverage • Lease Cancellation Coverage • Retail Anchor Store Income Coverage • Extended Business Income • Tenant Relocation Coverage • Tenant Replacement Expense • Green Coverage • Income Coverage • Contingent Real Property Coverage • Risk Solutions Consultation Services for: Disaster Preparedness and Business Continuity Planning, Risk Transfer Techniques, Electrical Preventive Maintenance and Slip, Trip and Fall Prevention
Target Appetite All types of houses of worship, including: • • Chapels • Synagogues & Temples Churches with Private Schools Religious Congregations with community-based activities, such as sponsored youth programs, child care and charitable work in the community Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability Product and Service Differentiators • Religious Institutions Property Broadening Endorsement • Data Breach Coverage • Emergency Event Management Coverage • Coverage for Fine Arts • Counseling Professional Liability Coverage • Religious Institutions Directors, Officers, and Trustees Liability Coverage • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Commercial Surety • Fidelity & Crime • Inland Marine • Nonprofit Management Liability (Directors & Officers) Sexual Misconduct or Sexual Molestation Liability Coverage Risk Solutions Consultation Services for: Security Action Planning, Theft Prevention, Disaster Preparedness and Business Continuity Planning, Employee Screening and Abuse and Molestation Training
Target Appetite A wide range of establishments that have been in business for a minimum of five years and with liquor sales less than 30% of overall sales, including • • Family Style Full Table Service White Linen And More Product Offerings • Commercial Package Policy (CPP) • Commercial Umbrella • Workers’ Compensation • Commercial Property (not to be a major portion • Commercial General Liability of the account) • Commercial Automobile (not to be a major portion of the account) Additional Coverages to Consider • Commercial Surety • Employment Practices Liability - Alcohol Tax Bonds • Fidelity & Crime - Liquor Permit Bonds • Private Company Management Liability Product and Service Differentiators • Seasonal Increase Business Personal Property Coverage • Equipment Breakdown Coverage • Employee Theft including ERISA Compliance Coverage • Hospitality Services Errors & Omissions Coverage • Liquor Liability Coverage (state-specific) • Outdoor Property Coverage (including signs) • Spoilage and Contamination Coverage • Emergency Event Management • Risk Solutions Consultation Services for: Inventory Controls, Exposure to Seasonal Fluctuations, Disaster Preparedness and Business Continuity Planning, Alcohol Awareness and TIPS Training Program Recommendations, Theft Prevention and Restaurant Slip and Fall Prevention
Target Appetite Retailers of merchandise generally used for personal or household consumption. Examples are: • Art Supply Stores • Furniture Stores • Book & Magazine Stores • Garden Centers (selected) • Building Materials (selected) • General Merchandise • Clothing Stores • Gourmet Food Stores (Men’s/Women’s) • Hardware & Home Centers • Drug Stores • Jewelry Stores • Electronic Stores • Sporting Goods Stores • Florists (selected) • Footwear Stores Product Offerings • Commercial Package Policy (CPP) • • Commercial Property • • Commercial General Liability • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Commercial Surety (Sales Tax Bonds) • Employment Practices Liability • Inland Marine (Jeweler’s Block, Furrier’s Block , Musical Instruments) • Fidelity & Crime • Private Company Management Liability Product and Service Differentiators • Seasonal Increase Business Personal Property Coverage • Brands and Labels • E-Commerce • Data Breach • Property In-Transit • Sewer Backup • Outdoor Property Coverage (including signs) • Product Recall Coverage • Global General Liability Endorsement • Business Income & Extra Expense from Dependent Properties • Risk Solutions Consultation Services for: Storage and Sprinkler Adequacy, Theft Prevention, Disaster Preparedness and Business Continuity Planning, Exposure to Seasonal Fluctuations, Inventory Control Procedures, Slip and Fall Prevention, Parking Lot Maintenance
Target Appetite Businesses engaged in a variety of sports, health, and fitness activities, including: • Amateur Sports – Amateur Organized Sports Teams and Leagues, Amateur Tournaments and Events, Athletic Conferences, Coaches and Officials, Sports Complexes • Auxiliary Operations and Services – Child Care, Massage Therapists, Spas, Saunas and Whirlpools, Swimming Pools, Tanning Salons • Fitness and Recreation Sports Centers – Aerobic Studios, Fitness Centers, Health Club Facilities, Tennis Clubs, Yoga and Pilates Studios • Sports and Recreation Instruction – Coaches’ Clinics, Dance Schools and Programs, Gymnastics Clubs, Sports Training Clinics, Youth Sports Camps & Clinics Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Commercial Surety • Employment Practices Liability • Fidelity & Crime • Inland Marine • Private Company Management Liability (Directors & Officers) Product and Service Differentiators • Sports & Fitness Property Broadening Endorsement • Money and Securities Health Club Members & Guests Coverage • Personal Effects and Health Club Members and Guests Personal • • Property on Premises Coverage BI/EE Off Premises Events Cancellation Coverage Sexual Abuse Coverage Emergency Event Management Coverage General Liability Broadening Endorsement Data Breach Coverage Customized Risk Solutions Training and online e-learning including: Employee Screening, Professional Boundaries and Abuse & Molestation Risk Solutions Consultation Services for Disaster Preparedness and Business Continuity Planning
Target Appetite A wide range of Information Technology, Electronics Manufacturers and Telecommunications Services businesses, including: • Information Technology – Programmers, packaged software developers, website designers, systems integrators, data processing services, IT staffing, IT consultants, and more • Electronics Manufacturers – Manufacturers of various types of electronic components, computer peripherals and communication equipment • Telecommunication Services – Service providers including billers and re-sellers, video conferencing, paging, and other communication services Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Product and Service Differentiators • Selective distribution gives a competitive edge by providing access • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Commercial Crime (Third-Party • Ocean Marine Off Premises) • Private Company • Employment Practices Liability Management Liability • Inland Marine (Directors & Officers, etc. ) • • to distinct products Expert, local underwriting resources with national product claims and loss control services, all supported by regional technology experts Broad, flexible appetite with over 30 NAICs, offering proprietary classes and rates Innovative and comprehensive product suite with Business Owner’s Policy and Commercial Package Policy options to fit customers’ current and future needs including: - Industry-specific Broadening Endorsements — BOP, Property, and General Liability - Three coverage options for Errors & Omissions - Total Account solutions including BOP, Commercial Package, Errors & Omissions, Auto, Workers’ Compensation, and Umbrella - Specialized coverages including Data Breach, International Coverage, Product Recall and more Support and financial strength of a fast growing, “A” rated, leading insurance company Risk Solutions consultation services include quality control
Target Appetite Broad range of wholesalers and distributors, with more of our appetite in the durable goods area. Examples of target classes include: • Apparel and Piece Goods • Electrical and Electronic Products • Furniture and Home Furnishings • Hardware, Plumbing and Heating Equipment • Household Appliances • Industrial and Service Paper • Machinery (excluding construction, mining and agricultural) • Medical, Dental and Hospital Equipment • Metal Service Centers • Office and Other Commercial Equipment • Stationary Product Offerings • Commercial Package Policy (CPP) • Commercial Property • Commercial General Liability • • • Commercial Automobile Commercial Umbrella Workers’ Compensation Additional Coverages to Consider • Commercial Surety (Supply Bonds) • Employment Practices Liability • Hanover Specialty Industrial - Hanover Specialty Industrial Property (HSIP) - Hanover Specialty Insurance Brokers (HSIB) • Inland Marine (Transit Coverage and Warehousing) • Ocean Cargo • Private Company Management Liability (Directors & Officers) Product and Service Differentiators • Equipment Breakdown Coverage • Seasonal Increase Business Personal Property Coverage • Business Income & Extra Expense from Dependent Properties • E-Commerce Coverage • Data Breach Coverage • General Liability Broadening Endorsement • Global General Liability Endorsement • Auto Broadening and Broadened Towing and Labor Endorsements • Risk Solutions Consultation Services for: Storage and Sprinkler Adequacy, Quality Control, Theft Prevention, Packing and Shipping and Disaster Preparedness and Business Continuity Planning
Broad Appetite. Local Approach. • Industry – Local industry message • Industry – Local industry message
Value Beyond the Coverage Forms Risk Management Hanover Risk Solutions is committed to positively impacting your customers by providing ongoing professional, timely, and solution-focused risk management service. Here are just a few things that set us apart: • More than 60 consultants and support staff • Extensive knowledge in over 130 industries • Site surveys, loss analysis and expert hazard control evaluations and presentations • Agency-hosted seminars and training programs to benefit customers • Risk Solutions website provides on-demand access to safety checklists, white papers, training courses and discounts on safety services Visit the website - www. hanover. com/risksolutions
Value Beyond the Coverage Forms Hanover Claims The Hanover Claim Organization Hanover Claims has developed deep technical expertise across all lines and industries and consistently goes above and beyond for you and your customers. Here’s why winning agents entrust their most valued customers with the Hanover Claim Organization: • 1, 200 claim employees • 16 field offices • 24/7 claims reporting • Special Account Claim Services and Affinity Program Claim Services • Best-in-class industry partners like Enterprise Car Rental, Safelite-Solutions and Identity Theft 911
Value-Add Services Website • Brings you the latest underwriting, product, business information, sales and marketing tools • Tools and materials aligned by industry so you can: – Profile risks using appetite information – Browse high-level product & coverage information – Download supplemental applications – Pull key differentiators to sell our value – Access up-to-date marketing materials – Leverage Risk Management tools and resources • Ease of access to information on all of our franchise capabilities, including Specialty Lines • Links to support resources, such as Business. Builder and The Agency Place (TAP) Visit the website - www. hanover. com/agentsolutions 27
Value-Add Services – Business. Builder • Online tool gives you 24/7 access to our full library of agency sales tools and marketing materials • Easy-to-find materials; organized by industry, line of business, etc. • Marketing pieces can be: – Customized with your logo, phone, web URL, etc. – Printed from your personal printer – Downloaded and saved to your desktop or emailed to customers • Business. Builder helps you market in minutes and sell in seconds: – Win and retain more business by promoting your agency value – Stand out from the competition, differentiate your agency and strengthen your brand Access the tool http: //www. hanover. com/age nts/businessbuilder. html
The Power of The Hanover World Class Property and Casualty Company Deep Partnerships with Winning Agents World Class Product and Underwriting Capability Responsive Service Delivery via Cost – Effective Operating Model Strong Financial Position World Class People Strong Culture of Execution
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