Customized solutions for your clients' needs

Professional liability programs

As a leader in program business and a top professional liability writer, The Hanover combines strong professional liability capabilities and deep industry expertise to produce high-value insurance program solutions for your customers and prospects.

 

Build your book
with professional liability programs

The Hanover is committed to strategic growth through innovative program partnerships. We offer a spectrum of programmatic capabilities across all specialty lines, including property and casualty program offerings via Hanover Programs and inland and ocean marine programs via Hanover Marine. For many years, we have helped retail agents, managing general agents, managing general underwriters and associations develop tailored professional liability programs for their clients.

Take advantage of our experience and industry capabilities to help you to build a customized professional liability program around your area of expertise, affiliation or association relationship, or class opportunity.

 

Why The Hanover for professional liability programs?

 

Broad appetite

Ability to build programs for all types of homogeneous groups with similar coverage needs, from start-ups and established programs to small, mid-sized and large programs and accounts, with no pre-set minimum premium

 

Specialized solutions

Tailored coverage solutions are crafted by our expert professional liability underwriting and product teams on a program-by-program basis for differentiation in the marketplace, leveraging our suite of admitted and non-admitted product capabilities

 

Experience with RPGs

Vast experience structuring tailored insurance solutions for Risk Purchasing Groups (RPGs) to optimize coverage and pricing for RPG members

 

 

Expert service

With experience supporting more than $30 million of professional liability business, our Customer Service Center’s dedicated team can take the responsibility of servicing and nurturing clients—experts with specialized training can tackle cross-sell opportunities and warm leads, freeing up your time to concentrate on new revenue opportunities

 

Customized risk management and claims

Risk management professionals tailor their approach to each program, offering insight about emerging trends and advice on addressing client-specific challenges, and our in-house claims experts are experienced in handling nuanced claims

 

Valuable technology capabilities 

Full suite of capabilities includes a turnkey underwriting platform enabling real-time interactions, API software enabling seamless data exchange between your agency management system and The Hanover, and more. Plus, our dedicated innovation team continues to drive investments in technology.

 

 

A total Hanover solution

Offer clients an account-focused solution by pairing professional liability coverage with business owner’s policy, commercial package policy, cyber and more to provide seamless property and casualty business insurance solutions

 

Significant experience

Knowledgeable teams across underwriting, actuarial, product, marketing, claims, risk management and more are fully aligned in providing program support

 

 

Powerful tools

Customized portfolio management tools empower program managers to make quick, clear and actionable decisions and target growth and retention opportunities


Available programs

Leverage our existing programs to offer clients highly-specialized coverage that’s specifically tailored to meet their unique professional liability insurance needs.

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 mcgowanpro.com or contact:

Gary Sutherland
Managing Director, MPA, CIC, MLIS
gsutherland@mcgowanprograms.com
mcgowanpro.com
508-656-1350

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 higher limits and unique coverage to help protect firms from negligent acts. Tailored solutions with limits up to $10 million 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 or contact:

Calen Foster
Senior Vice President, Program and Broker Development
calen.foster@pearlinsurance.com

ASID Professional Liability Plan

American Society of Interior Design (ASID) members in all 50 states have access an insurance program tailored specifically for interior designers. Advantages of the ASID Professional Liability Plan include preferred pricing, contingent bodily injury coverage, coverage for defense expenses in addition to liability limits, access to a free risk management hotline and more. Additionally, clients can save 5% on their professional liability premium when they purchase a business owner’s policy with The Hanover.

The ASID Professional Liability Insurance Plan is available through The Insurance Exchange, now a division of HUB International Mid-Atlantic. To learn more or submit business, contact:

Theresa Frisch
301-545-1576
theresa.frisch@hubinternational.com  

Attorneys’ Preferred Insurance Program

Available in AZ, DC, DE, MD, MA, NJ, NM, OK, TX, VA and WV, the USI Affinity Attorney’s Preferred Insurance Program was designed to protect attorneys and law firms from malpractice claims. With proprietary coverages, expanded risk management programs and exclusive membership credits for certain Bar Association memberships through the USI Affinity Lawyers Liability Risk Purchasing Group, USI Affinity can leverage its 50+ years of experience in providing LPL coverage and customize the comprehensive policy to address your clients’ unique needs.

The Attorney’s Preferred Insurance Program is advised and administered by USI Affinity. To learn more or submit business, visit usiaffinity.com or contact:

Mike Mooney
Senior Vice President and Professional Liability Practice Leader
mike.mooney@usiaffinity.com
610-537-1441

Lawyer’s ProtectionPlus

Available 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:

Joshua Cipri
AVP, Practice Group Leader
josh.cipri@pearlinsurance.com

 

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 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:

Adam Garnett
Underwriter
937-401-4131
adamgarnett@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 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 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 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 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
Programs Underwriting Manager
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:

Hannah Nahley
Underwriter
hannahnahley@norman-spencer.com

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 mcgowanpro.com or contact:

Gary Sutherland
Managing Director, MPA, CIC, MLIS
gsutherland@mcgowanprograms.com
mcgowanpro.com
508-656-1350

Start a program conversation today

Programs can be an exciting business builder for any agency. Contact us to start a conversation today.

Craig Dougherty
West Zone
Assistant Vice President, Professional Liability Programs
630-220-0647
cdougherty@hanover.com

Brandon Thielke
East Zone
Director, Professional Liability Programs
860-697-4372
bthielke@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