Hanover Healthcare

The healthcare industry is one of the fastest growing segments in our economy with steady expansion projected through the next decade. The need for a comprehensive solution to help healthcare service organizations manage risk has never been greater. What’s required is a carrier with deep experience that can offer a comprehensive solution featuring innovative products and special coverages, expert underwriters who know this industry inside and out, and experienced risk managers and claims specialists who are responsive. Hanover Healthcare is a leading solution to meet the changing needs of today’s healthcare organizations.

Our Appetite

Hanover Healthcare targets a wide range of healthcare sectors, offering a variety of products to small and mid-sized companies in the four sectors outlined below. Examples of the various Healthcare businesses that we target include:

Allied Health Centers

Examples include:

  • Medical Imagining
  • Sleep Study Centers
  • Pharmacies
  • Optical Goods and Services
  • Physical and Occupational Therapy
  • Medical Diagnostic Laboratories
  • Hospice Homes

Home Healthcare

Examples include:

  • Companion care, skilled care, visiting nurse associations and hospice care services delivered in the home

Medical Equipment

Examples include:

  • Durable and Home Medical Equipment
    Retailers, Distributors and Service Contractors of home medical equipment that is sold or rented that can be placed in the home to facilitate treatment or rehabilitation. Examples include wheelchairs, oxygen, mobility equipment and medical gas equipment and feeding pumps.
  • Orthotics and Prosthetics
    Practitioners, distributors, retailers, fabricators and fitters of a wide range of orthotic and prosthetic devices

Eldercare

Examples include:

  • Skilled Nursing Facilities
  • Assisted Living Centers
  • Continuing Care Facilities
  • Independent Living Communities

Product Offerings

This flexible array of coverages and services can be customized to meet the unique needs of this diverse industry. Additionally, we offer tailored coverages for the Allied healthcare centers, Home healthcare and Medical Equipment, and Eldercare sectors.

Allied Health Centers, Home Healthcare and Medical Equipment Products

Core Coverages
  • General Liability (including Products/Completed Operations), Professional Liability, Auto, Property, Inland Marine, Umbrella, and Excess Liability coverage
  • Property and General Liability Broadening Endorsements provide enhanced coverage protection for your operations
Specialized Coverages
  • Professional Liability is available on either Occurrence or Claims Made coverage forms with option for separate limits of insurance
  • Physical and Sexual Abuse
  • Emergency Event Management Coverage
  • Independent Medical and Non-Medical Contractors Coverage
  • Medical Director’s Coverage
  • Administrative Defense Coverage Endorsement—covers expenses related to any federal, state, local or other third party investigations (i.e., Medicare/Medicaid, HIPAA)
  • Data Breach
  • Other Liability coverage available such as: Employee Benefits Liability, Employment Practices Liability, Stop Gap, etc.

Eldercare Products

The Hanover’s dedicated underwriting team of Eldercare specialists offers a comprehensive all lines offering (excluding Workers' Compensation) for the eldercare industry including:

Core Coverages

General & Professional Liability

  • Excess/Surplus combined General Liability/Professional Liability product
  • Abuse and Molestation with limits up to $ 1 million
  • First dollar, Self Insured Retentions and suite of additional liability broadening endorsements

Excess

  • Excess policy with limits up to $5 million over General Liability/Professional Liability and auto. Excludes abuse and molestation and punitive damages

Property

  • Array of Property Broadening Endorsements that provide a suite of coverage extensions and enhancements
  • Emergency Event Management
  • Data Breach
Specialized Coverages
  • Emergency Evacuation Expense
  • Administrative Defense
  • Public Relations Expense
  • Religious Counseling Professional Liability
  • Innocent Party Defense

Value-Added Services

We offer unparalleled claim, risk management, and loss control services directly relevant to a wide range of healthcare organizations.

Claim

  • 24 hour first call and customer care team providing support 24/7
  • 225 firms on active outside panel counsel list and approximately 30 designated for complex general/professional liability claims
  • Claims professionals with over 20 years of experience in the healthcare field staffed by nurses and attorneys

Risk Management

  • Detailed claims analysis and on site risk assessments
  • Risk Management staffed by nurses with over 20 years’ experience in the healthcare field
  • Policyholder website with a wide array of risk management topics and discounts to valuable third party services

Why Hanover Healthcare?

Significant Experience - seasoned management, claims, and underwriting team with over two decades of experience in the healthcare industry

Industry Experts - Direct access to dedicated Healthcare Underwriting Team who has an in-depth experience of this industry

Competitive Products - flexible, customizable programs that address the unique needs of the healthcare industry, offers unique coverage to differentiate your sales and service

Full Product Range - offering comprehensive and tailored protection

Dedicated Claims Team with first hand healthcare industry experience as nurses and medical malpractice attorneys

Risk Management Services to assist customers in helping to improve quality of care and loss avoidance

Trusted Partner - support and financial strength of an “A” rated leading insurance carrier