Manufacturing
Hanover Manufacturing Advantage is built for manufacturers who prioritize control, consistency and long-term performance. We partner with small to mid-sized businesses producing components and finished goods across a wide range of industries. Our focus is on operations with repeatable processes, established facilities and a proactive approach to quality and risk management.
Backed by deep underwriting expertise and specialized capabilities, The Hanover can confidently support both core and complex manufacturing risks, delivering the most value when engaged early.
Metal fabrication and components
Metal fabrication and components
Fabricated metals and precision components used across industrial and commercial applications
Plastics and molded products
Plastics and molded products
Fabricated plastic or rubber products, including packaging materials, piping, molded parts and component manufacturing
Machinery and industrial equipment
Machinery and industrial equipment
Manufacturers of machinery, equipment and related components used in industrial and production environments
Auto parts and components
Auto parts and components
Manufacturers of auto parts and related components where failure does not create life-safety exposure
Printing, packaging and paper converting
Printing, packaging and paper converting
Manufacturers producing printed materials and paper products, including paper converting operations such as packaging, cutting, coating and finishing
Target account characteristics
- Indoor facilities with well-organized, permanently installed production equipment
- Stable, repeatable processes supported by strong quality controls
- Purpose-built layouts that separate production, storage and office areas
- Demonstrated commitment to safety, maintenance and loss prevention
Additional capabilities
In addition to our traditional target segments, The Hanover offers capabilities that offer more specialized solutions that include the following types of manufacturing operations:
- High-hazard processes including plastics operations involving spray-up, fiberglass, foam or high storage, textile or wood products
- Medical devices or FDA approved pharmaceuticals
- Critical parts or components, or mobile/high‑hazard industrial machinery
- Heavy installation or construction‑driven exposure
- Import/export operations or foreign locations
- Selective manufacturing capabilities including other specialized manufacturing operations evaluated on a case-by-case basis based on end use, controls and exposure profile
Not in appetite
- Oil, gas, coal mining and processing
- Parts used in nuclear, marine and petrochemical boilers and pressure vessels
- Metal mills, smelting, foundries, casting
- Logging and mills for pulp, paper or paperboard
- Grain milling, oils or sugar
Visit the SmallComm Solutions portal for detailed appetite information for small commercial manufacturing risks. Visit Hanover Specialty Excess & Surplus for additional classes eligible for non-admitted coverage.
Property and general liability
Property
- Selection of base property broadening endorsements that add or enhance more than 65 coverages
- E-commerce endorsement
- Dependent properties
- Add the manufacturing property broadening endorsement below to a base property endorsement to further tailor industry-specific coverage.
Manufacturing property broadening endorsement 411-0815 |
|||
|---|---|---|---|
| Coverage | Limits | Coverage | Limits |
|
Additional covered property |
$50,000 |
Processing water |
$50,000 |
|
Business income and extra expense — dependent and interdependent properties |
$150,000 |
Product adulteration and contamination |
$50,000 |
|
Contract cancelation |
$100,000 |
Research and development operations — expenses |
$250,000 |
|
Extended warranty coverage |
$75,000 |
Research and development operations — extra expense |
$250,000 |
|
Patterns, dies, molds and plates |
Included |
Spoilage — on premises |
$100,000 |
General liability
- Suite of general liability broadening coverage that add or enhance over 20 coverages
- Products liability
- Manufacturer’s errors and omissions
Manufacturers Errors & Omissions
The Hanover’s Manufacturers Errors & Omissions (E&O) offering is designed to provide the protection and flexibility manufacturers need. E&O coverage provides protection for a manufacturer when faced with allegations that a mistake or negligence resulted in a third-party financial loss. Coverage includes:
- Robust coverage limits for per occurrence/aggregate limits with flexibility of form options
Manufacturers E&O endorsement options include:
- Loss of use – includes negligent design, installation or manufacturing of a covered product resulting in the covered product’s failure to perform the function or serve the purpose intended
- Repair, replacement or adjustment – includes damages for the expenses to repair, replace or adjust a defective product
- Broadened coverage – Adds coverage for repair, replacement or adjustment to the Manufacturers E&O
Additional coverage options
- Commercial auto
- Equipment breakdown coverage
- Industrial property
- International
- Product recall
- Umbrella
- Workers’ compensation
Visit Hanover Specialty Excess & Surplus for non-admitted property and casualty coverage.
Professional and executive lines
Surety
- Commercial surety bonds including performance, payment, supply, right of way and site improvement
We offer risk management and claims solutions designed to support the operational complexity and risk exposures of manufacturing businesses.
Risk management services
Our risk management services include targeted tools, safety programs and innovative technology to support your customers, help them reduce risk and prevent future losses.
Key features
- Tools and resources designed for manufacturers, including disaster recovery planning, equipment operation and maintenance guidance and fall-prevention resources
- Dedicated safety and training programs such as The Hanover Work Safe Program, fire safety and protection systems support, fleet safety and product safety guidance
- Continued innovation, including The Hanover i-on Sensor ProgramTM, workplace safety training, machine guarding solutions, product recall services, infrared electrical system evaluations and slip-resistant footwear solutions
Dedicated claims team
Our claims team brings specialized manufacturing expertise and responsive, coordinated support to help your customers minimize disruption when losses occur.
Key features
- Specialized expertise for complex claims, supported by major case units and dedicated total loss adjusters with deep manufacturing experience
- Tailored support for large and specialized accounts through dedicated claims liaisons, customized reviews, access to a claims manager portal, and tools and insights that help identify trends early and proactively address emerging issues
- Services that deliver when it matters most, offering rapid access to emergency response, comprehensive workers' compensation support and technology-enabled claims servicing
Dedicated safety programs
The Hanover offers a set of dedicated safety programs designed for manufacturing businesses. They are ideal for onboarding new employees or as refresher training. These services are available at no cost to policyholders.
Our programs include:
The Hanover Work Safe Program
- Workplace safety and workers' compensation support to help manufacturers reduce injury and improve jobsite safety
- Proactive insights and claims coordination to identify trends early and support timely return to work
Fleet safety
- Guidance to help build and manage safer fleets, with focus areas such as driver selection, training, and accident reporting
- Structured tools and training to help identify fleet risks, reduce driving-related losses and support consistent fleet safety practices
Fire protection, product safety and more
- Hanover Risk Solutions provides tools and resources to help manufactures identify, assess and mitigate common risks such as fire protection concerns, product and electrical safety and machine guarding to support safer operations.
Hanover Manufacturing Advantage protects against the unique risks faced by manufacturers. Unlock the Hanover advantage.
Risk management services
Resources to assist customers with safety procedure improvements, disaster preparedness and business continuity planning and training programs.
We partner with companies to offer services such as background checks, safety training and driver monitoring.
Competitive products
Our innovative and comprehensive product suite, with business owner's policy and commercial package policy options, can be designed to fit current and future needs, including:
- Industry-specific broadening endorsements
- Coverage options for manufacturer's errors and omissions
- Account-focused solutions
Dedicated claims team
Our claims teams have years of industry expertise and experience handling the unique types of claims manufacturers can face.
We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.
Specialized underwriting
We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.
Trusted partner
We offer the support and financial strength of an "A"-rated leading insurance carrier
Hanover Manufacturing Advantage is built for manufacturers who prioritize control, consistency and long-term performance. We partner with small to mid-sized businesses producing components and finished goods across a wide range of industries. Our focus is on operations with repeatable processes, established facilities and a proactive approach to quality and risk management.
Backed by deep underwriting expertise and specialized capabilities, The Hanover can confidently support both core and complex manufacturing risks, delivering the most value when engaged early.
Metal fabrication and components
Metal fabrication and components
Fabricated metals and precision components used across industrial and commercial applications
Plastics and molded products
Plastics and molded products
Fabricated plastic or rubber products, including packaging materials, piping, molded parts and component manufacturing
Machinery and industrial equipment
Machinery and industrial equipment
Manufacturers of machinery, equipment and related components used in industrial and production environments
Auto parts and components
Auto parts and components
Manufacturers of auto parts and related components where failure does not create life-safety exposure
Printing, packaging and paper converting
Printing, packaging and paper converting
Manufacturers producing printed materials and paper products, including paper converting operations such as packaging, cutting, coating and finishing
Target account characteristics
- Indoor facilities with well-organized, permanently installed production equipment
- Stable, repeatable processes supported by strong quality controls
- Purpose-built layouts that separate production, storage and office areas
- Demonstrated commitment to safety, maintenance and loss prevention
Additional capabilities
In addition to our traditional target segments, The Hanover offers capabilities that offer more specialized solutions that include the following types of manufacturing operations:
- High-hazard processes including plastics operations involving spray-up, fiberglass, foam or high storage, textile or wood products
- Medical devices or FDA approved pharmaceuticals
- Critical parts or components, or mobile/high‑hazard industrial machinery
- Heavy installation or construction‑driven exposure
- Import/export operations or foreign locations
- Selective manufacturing capabilities including other specialized manufacturing operations evaluated on a case-by-case basis based on end use, controls and exposure profile
Not in appetite
- Oil, gas, coal mining and processing
- Parts used in nuclear, marine and petrochemical boilers and pressure vessels
- Metal mills, smelting, foundries, casting
- Logging and mills for pulp, paper or paperboard
- Grain milling, oils or sugar
Visit the SmallComm Solutions portal for detailed appetite information for small commercial manufacturing risks. Visit Hanover Specialty Excess & Surplus for additional classes eligible for non-admitted coverage.
Industry resources
Product recall coverage
Learn about the product recall coverage policyholders receive with Hanover Manufacturing Advantage.
Resources for your customers
Our Risk Solutions program includes onsite and remote assessments, on-demand learning, self-service tools and custom action plans that address the complex demands and issues facing your manufacturing clients.
Electrical preventive maintenance online assessment
See all of our Risk Solutions resources for manufacturers
Customer tools
Let's start a conversation today
Contact a member of our team to learn more about our coverage and services, and how we can help you tailor a solution for you and your clients.
Property and casualty
Rob Mauerman
Lead Director, Industry Solutions
508-963-5283
rmauerman@hanover.com
Marine, industrial property and surety
Chris Zaneski
Vice President, Distribution Management
240-638-5706
czaneski@hanover.com
Professional and executive lines
Greg Ketay
Vice President, Distribution Management
630-760-3045
gketay@hanover.com