Professional and executive lines programs
Expert capabilities to accelerate your program success
We build programs for all types of homogeneous groups with similar coverage needs, from start-ups and established programs gaining traction, to mid-sized and established programs, with no pre-set minimum premium. Programs may be written on an admitted or non-admitted basis, based on program needs. Additionally, we offer package or monoline solutions as well as primary and excess capabilities.
Solutions for:
- Directors and officers liability
- Employment practices liability
- Fidelity and crime
- Fiduciary liability
- Financial institutions
- Professional liability
- Allied healthcare
- Practitioners
- Cyber
Additional capabilities
Beyond professional and executive lines programs, we offer a spectrum of programmatic capabilities across all standard and specialty lines, including property and casualty solutions via property and casualty programs and inland and ocean marine solutions via marine programs.
Why The Hanover for professional and executive lines programs?
Dedicated risk management
- Direct access to experienced risk managers
- Guidance tailored to program-specific exposures
- Risk management hotline for quick support
- Early-reporting support through pre-claim guidance to help prevent escalation
Responsive claims handling
- Dedicated professional and management liability teams
- Claims handled by highly experienced and knowledgeable specialists
- 24/7 access to live claims reporting
- Approach focused on efficient resolution, liability assessment, cost-benefit analysis and strong defense when needed
Technology that powers performance
- Agency‑facing underwriting platform supporting clearance, rating and documentation
- API connectivity for seamless submissions, quoting and policy handling
- Real‑time dashboards and key performance indicators for portfolio insights
- Agency intelligence tools to identify growth opportunities
Experience with RPGs
- Vast experience structuring tailored insurance solutions for Risk Purchasing Groups (RPGs) to optimize coverage and pricing for RPG members
Efficient servicing
- Our industry-leading customer service center provides policy servicing for specialty lines, helping reduce workload and free up capacity to focus on new or more complex business
Company strength
- Backed by more than 170 years of stability and performance
- Strong financial ratings from AM Best, S&P Global and Moody's
Programs built by experts working together
Your program is backed by experts across The Hanover enterprise, all working together to successfully align solutions specific to your needs.
Click on the image below to get a deeper look at the expertise supporting professional and executive lines programs.
Available programs
Leverage our existing programs to offer clients highly specialized coverage that’s specifically tailored to meet their unique professional liability insurance needs.
Accountants
CPAOneProSM
The CPAOneProSM policy was designed by professional liability insurance experts with decades of experience working with CPA firm clients by cherry-picking the best features from dozens of policies in the market and adding coverage enhancements to address perceived gaps.
In addition to higher supplemental coverage available through the exclusive ONEPRO endorsements, clients benefit from an RPG credit. Beyond coverage, the robust risk management services include guidance on best practices, sample engagement letters and provisions, NASBA approved webinars, a loss control hotline and much more. CPAOneProSM is available in all 50 states, and eligible classes include accounting firms, CPAs and accountants.
CPAOneProSM is underwritten by McGowan Program Administrators. To learn more or submit business, visit mcgowanprofessional.com or contact:
Gary Sutherland
Managing Director, MPA, CIC, MLIS
gsutherland@mcgowanprograms.com
mcgowanprofessional.com
508-656-1350
Architects and engineers
ASCE Professional Liability Program
American Society of Civil Engineers (ASCE) members in all 50 states have access to the ASCE Professional Liability Program.
Designed by experts with over 25 years of experience protecting design professionals, the program offers American Society of Civil Engineers Risk Purchasing Group members discounted, high-quality insurance coverage with unique coverage to help protect firms from negligent acts. Tailored solutions with a variety of limits to meet your contract needs can be crafted for the sole proprietor, the head of a large firm and everything in between.
Pearl® Insurance is the Plan Administrator for the ASCE Member Insurance Program. To learn more or submit business, visit asceinsurance.com. If you would rather speak with an ASCE insurance expert, contact us at 888-619-1908 or engineers@asceinsurance.com.
Community associations
Habitational Community Association Program
MSI has collaborated with The Hanover Insurance Group to provide access to a specialized insurance program for community associations across all 50 states, designed to address the complex and evolving risks facing today’s properties.
Backed by experienced underwriting and strong carrier partnerships, the program delivers broad solutions, including directors and officers liability (D&O), commercial general liability, cyber, and crime coverage to help protect associations, board members, and property managers from a wide range of exposures.
Built specifically with community associations in mind, the program offers flexible limits, streamlined underwriting, and tailored coverage enhancements to meet the unique needs of each risk, whether supporting a small association or a large, planned-use development. With broad protection features, including coverage options for board decisions, employment practices, cyber incidents, and financial loss due to theft or fraud, MSI provides a well-rounded approach to risk management.
To learn more, visit www.msimga.com or contact:
Wayne Dow
Senior Director of Underwriting
213-399-0079
wdow@jgsinsurance.com
Insurance agents
Insurance Agents E&O Program
The Insurance Agents E&O program was designed by a team of veteran underwriters with decades of professional lines experience who believe in solving problems and meeting clients’ most unique needs.
Targeting a wide range of small to mid-sized agencies, MGAs, MGUs and more, the admitted product offers a broad definition of professional services, including but not limited to claims adjusting, risk management and placing premium financing.
Program features include defense expense outside the limit, first dollar defense, first-party and third-party cyber, limit options up to $5M/$5M, and broad insolvency coverage including AM Best, Demotech and various state guaranty funds.
This program is provided and underwritten by Ryan Financial Lines. Submissions consisting of completed applications and five year currently valued loss runs (if any claim activity) can be sent to rfl-eo-apps@ryanfinlines.com.
To learn more, contact:
Dana Lynn Pound
AVP and Program Manager
410-405-7641
dana.pound@ryanfinlines.com
Interior designers
ASID Professional Liability
American Society of Interior Design (ASID) members in all 50 states have access to insurance tailored specifically for interior designers.
Designed by The Hanover’s professional liability experts, this solution covers costs such as damages and settlements, lawyers’ fees, court expenses and claims associated with a delay or failure to deliver a project on time, an error in selecting or ordering materials or design advice and more. A multipolicy discount is available on the professional liability when both Business Owner’s Advantage and professional liability are secured with The Hanover.
This coverage is available through HUB International Mid-Atlantic. To learn more or submit business, contact:
Theresa Frisch
301-545-1576
theresa.frisch@hubinternational.com
Lawyers
Attorney Risk Management Solutions
For clients in CT, MA, ME, NH, NJ, RI and VT
As the exclusive lawyers professional liability new business offering the Attorney Risk Management Solutions Program (ARMS) delivers the highly specialized coverage attorneys and law firms need to be fully protected from evolving exposures.
With ARMS, you benefit from competitively priced, comprehensive protection specially crafted for law firms with up to 35 attorneys. Brown & Brown leverages their 30+ years of experience to tailor solutions for each client.
ARMS is provided exclusively by Brown & Brown. To learn more or submit business, visit our webpage or contact:
Nate Sharpshair
Pearl Insurance, a division of Brown & Brown
Practice Group Lead - Brokerage
natesharpshair@pearlinsurance.com
309-679-0318
Lawyer’s ProtectionPlus
For clients in CO, MO, PA and SC
Lawyers ProtectionPlus (PLUS) was designed to provide lawyers and law firms financial support if an alleged error or omission results in a lawsuit.
It was built by experts with over 65 years in the professional liability arena. In addition to a simplified application process for new and renewal business and unique coverage, clients benefit from rates negotiated for Lawyers ProtectionPlus Risk Purchasing Group members and can obtain a bundling discount on additional lines. PLUS coverage also comes with nationally recognized risk management materials, seminars and legal hotlines.
Lawyers ProtectionPlus is exclusively provided by Pearl® Insurance. To learn more or submit business, visit pearlinsurance.com or contact:
Jake Pearl
Senior Vice President - Business Insurance Lines
jake.pearl@pearlinsurance.com
309-679-0564
Real estate
Real Estate Agents Program
With over 20 years of industry experience, Norman-Spencer is proud to offer one of the most broadly based real estate errors and omissions programs on the market.
Coverage is available in all states excluding AK, CA and HI to firms whose services include residential or commercial sales, broker price opinions, property management, leasing, appraisal, mortgage brokering and escrow. In addition to a wide range of highly-specialized coverage, clients benefit from robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Real Estate Agents Program is advised and administered by Norman-Spencer. To learn more or submit business, visit norman-spencer.com or contact:
Trey Collier
Underwriter
937-432-3512
treycollier@norman-spencer.com
Real Estate Appraisers Program
Building on more than 25 years of experience writing coverage for real estate appraisers through its Intercorp division, Norman-Spencer provides tailored errors and omissions coverage for appraisers nationwide excluding AK and HI through the Norman-Spencer Risk Purchasing Group.
Coverage is provided for all types of appraisers (residential, commercial and combined), as well as all sizes of firms, from sole proprietorships to multi-appraiser firms. In addition to a wide range of highly-specialized coverage available exclusively through the RPG, clients benefit from RPG negotiated pricing, robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Real Estate Appraisers Program is exclusively provided by Intercorp, a division of Norman-Spencer. To learn more or submit business, visit norman-spencer.com or contact:
Kate Kurtz
Underwriter
katekurtz@norman-spencer.com
800-640-7601
Title Agents Program
Norman-Spencer offers tailored errors & omissions insurance for title classes nationwide excluding AK and HI.
Coverage is provided for all types of title agents and abstractors—from escrow, closing and settlement agents, to searchers, notary publics and more. In addition to a wide range of highly-specialized coverage such as Consumer Financial Protection Bureau defense and employee dishonest acts, clients benefit from robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Title Agents Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit norman-spencer.com or contact:
Kristye DeStout
Underwriter Team Lead
kristyedestout@norman-spencer.com
937-432-1611
Small Abstractors and Searchers Program
Norman-Spencer offers tailored errors & omissions insurance for small abstractors and searchers nationwide excluding AK and HI.
Coverage is provided for businesses with gross revenue up to $350,000 with less than 25% commercial business and no claims in the past three years. In addition to a wide range of highly-specialized coverage such as disciplinary proceedings and loss of earning and expense reimbursement, clients benefit from robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Small Abstractors and Searcher Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit norman-spencer.com or contact:
Kristye DeStout
Underwriter Team Lead
kristyedestout@norman-spencer.com
937-432-1611
Mortgage Brokers Program
Norman-Spencer offers tailored errors & omissions insurance for mortgage brokers nationwide excluding AK and HI.
Backed by a team of insurance professionals dedicated to the mortgage brokers industry, Norman-Spencer offers a wide range of highly-specialized coverage at a competitive price. Beyond coverage, the program includes an online risk management portal, risk management hotline and the support of an experienced claims team that understands the complexities of mortgage brokers’ E&O claims and is deeply committed to delivering exceptionally responsive and personalized service.
The Mortgage Brokers Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit norman-spencer.com or contact:
Jose N. Macias
Vice President, Programs
972-244-4372
josemacias@norman-spencer.com
Home Inspectors Program
Norman-Spencer offers tailored errors & omissions insurance for home inspectors nationwide excluding AK, LA and WV.
The program includes claims made E&O coverage including personal injury with limits up to $1,000,000 with deductibles ranging from $1,500 to $10,000. The highly-specialized program includes an automatic extension of coverage for ancillary inspection professional services where contracted by a home inspector, including carbon monoxide, energy audit and more.
The Home Inspectors Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit norman-spencer.com or contact:
Trey Collier
Underwriter
937-432-3512
treycollier@norman-spencer.com
Proposal evaluation
We pride ourselves on a quick turnaround and a streamlined, turnkey onboarding process. In order to support this, we require the following materials when submitting a proposal:
- High level program overview via executive summary or pitch deck
- Premium and loss ratio summaries, both overall and broken out by line, class and state
Optional supporting materials may also include:
- Prior actuarial studies, market trend analyses or other relevant insights
- Brief biographies or resumes for key personnel
Start a program conversation
Programs can be a powerful growth engine for your business. Let’s explore how we can build something exceptional together.
Michael Gillman
Head of Professional Select and Delegated Distribution
860-697-4340
mgillman@hanover.com
All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates. Coverage may not be available in all jurisdictions and certain coverage may be provided by an eligible surplus lines insurer and procured only by a properly-licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. This release is designed to provide general information for insurance professionals only and does not constitute an offer to sell or a solicitation of insurance. Any inquiries regarding the subject matter should be directed through licensed insurance professionals.
Please refer to the actual policy issued for complete details of coverage and exclusions. For more information about The Hanover visit our website at www.hanover.com.
Hanover Specialty Insurance Brokers, Inc. CA License # 0759293 NY License # EX-530458-R