Manufacturing

Manufacturers face changing needs, requiring comprehensive insurance solutions. Hanover Manufacturing Advantage is designed to meet these needs with specialized coverage.

Hanover Manufacturing Advantage offers a wealth of opportunity for manufacturers in a variety of industries. Our appetite for manufacturing varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities.

 

Metal

Metal

  • Fabricated metals for non-critical parts and components
  • Fabricators of architectural and building metal products with non-structural or non-building envelope end uses

Plastics

Plastics

  • Non-critical parts and components
  • Closed mold processes using composite and non-reinforced, non-foam plastics
  • Sprinklered facilities

Food and consumer goods

Food and consumer goods

  • Processed foods that are cooked, pasteurized or shelf-stable
  • Household appliances, parts and components
  • Household voltage lighting, engines, generators, compressors, pumps, wiring and wiring devices
  • Furniture
  • Clothing

Machinery/auto parts

Machinery/auto parts

  • Non-critical original equipment manufacturer parts and components
  • Non-critical aftermarket parts and components
  • Parts and finished machinery for industrial end uses that are fixed and automated

Other facilities

Other facilities

  • Sprinklered wood product facilities (except pre-fabricated wood buildings and pallets)
  • Glass, ceramic, brick, concrete products, and pipe (except structural and pre-stressed)
  • Printers and packaging paper converters
  • Textile manufacturers

Additional capabilities

Additional capabilities

More than 45 additional classes are eligible for property coverage through Hanover Specialty Industrial Property, including companies that manufacture high-hazard substances such as:

  • Adhesives
  • Chemicals
  • Coatings
  • Explosives, and more

For manufacturers whose products include medical devices or FDA approved pharmaceuticals, our Hanover Life Sciences Advantage delivers specialized insurance programs to cover their unique exposures.

 

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 cancellation

$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
Spoilage — in transit

$100,000
$10,000

 

General liability 

Additional coverage options

Visit Hanover Specialty Excess & Surplus for non-admitted property and casualty coverage.

 

 

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.

Learn more

 

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.

 

 

Significant experience

We have expert, local underwriting resources with national product, claims and risk management services, all supported by regional experts.

 

Risk Solutions partnership

We partner with Hartford Steam Boiler to offer infrared testing, inspections and assistance sourcing replacements for damaged equipment for equipment breakdown policyholders.

Learn more

 

Trusted partner

We offer the support and financial strength of an "A"-rated leading insurance carrier.

 

Appetite

Hanover Manufacturing Advantage offers a wealth of opportunity for manufacturers in a variety of industries. Our appetite for manufacturing varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities.

 

 

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 overview

This document will outline the product recall coverage policyholders receive with Hanover Manufacturing Advantage.

Download now

Resources for you

Manufacturers applications

Policy forms library

 

Marketing resources

Coverage scenarios 

Equipment breakdown coverage overview

International coverage overview

Property coverage checklist

 

Industry learning

The Hanover Accelerator program offers exclusive self-guided training designed to give you expertise in key growth industries, empowering you to better offer specialized insurance solutions for commercial clients.

Sign up for The Hanover's Industry Accelerator for Maunfacturing

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.

Product safety standards

Hanover ergonomics tool kit

Electrical preventive maintenance online assessment

See all of our Risk Solutions resources for manufacturers

 

Customer tools

Claims reporting

My Hanover Policy

 

 

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

Aaron Kock
Assistant Vice President, Industry Solutions 
312-339-7774
akock@hanover.com

Marine, industrial property and surety

Chris Zaneski
Vice President, Distribution Management
240-638-5706
czaneski@hanover.com

Professional and executive lines

Jon Martin
Vice President, Distribution Management
269-240-8118
jonmartin@hanover.com