Specialty general liability coverage from The Hanover
Finding coverage for clients with higher-hazard liability exposures can be challenging. While most standard market carriers avoid or approach this business with extreme caution, The Hanover takes a different approach. Building on the success of our admitted complex property offering, we’ve created an admitted general liability offering to address your clients’ higher hazard product liability exposures. Our dedicated team of experienced higher-hazard general liability specialists is focused on creating tailored protection plans that address each business's unique risks while delivering a higher level of service—plus the benefit of the peace of mind that comes with an admitted carrier you can rely on.
We offer admitted solutions to address higher-hazard product liability for a wide array of risks, ranging from startups to large companies. The appetite below outlines examples of products exposures we target.
Products
Manufacturers, wholesalers, distributors and importers of a wide range of products, including:
- Construction equipment
- Excavating and construction equipment
- Water and storage tanks
- Farming equipment
- Harvesting and landscaping equipment
- Tractors
- Fitness equipment
- Exercise and recumbent bikes
- Home gyms
- Treadmills
- Industrial machinery
- Boilers
- Bulldozers
- Compressors
- Auto and truck parts
- Axles
- Body parts
- Steering wheels
- Metal/steel fabricators
- Structural steel
- Tubing and pipe
Not in appetite
Significant class action/mass tort exposure, such as:
- Cannabis and related products
- Children's and baby products
- Air bags, seat belts or tires
- Invasive medical products
- ‘Downhole’ equipment
- Pharmaceuticals and nutraceuticals
- Pollution/environmental
- Residential building products
- Tobacco products including e-cigarettes
Not a fit for SGL?
Our SGL team works closely with our Hanover Specialty Excess & Surplus team on referrals. Visit Hanover Specialty Excess & Surplus for classes eligible for non-admitted coverage.
Our general liability coverage will be tailored to meet the unique needs of each business. Key features include:
- Admitted, standard market solution with The Hanover’s “A”-rated XIV admitted paper
- Occurrence
- Deductibles, self-insured retentions or first-dollar (guaranteed-cost) program structures
- ISO commercial general liability (CGL) policy
- Full suite of ISO and Hanover endorsements available
- Umbrella/excess policy
- Limits up to $5 million
We can write our CGL policies either in partnership with other Hanover underwriting teams or on a standalone basis.
Since The Hanover’s founding in 1852, our hallmark as an insurer has always been providing outstanding claims services. The high standards we set early on for responding to clients’ claims have endured, and we continue to prove our value through our timely, thoughtful and informed response to claims. This includes:
- Designated claim adjusters and flexible claims handling, including major case expertise
- The flexibility to partner with clients and support their existing range and structure with a variety of a la carte services
- Alignment with the interests of our policyholders, viewing their product expertise as an advantage/asset
- Assertive, experienced litigators who negotiate in the best interest of our policyholders, through trial and/or resolution
- The Hanover has specialized experience in defending clients’ risk contracts, waivers, and products
- The Hanover proactively pursues positive risk transfer/contractual obligations
Specialty general liability claims can be reported by phone or email:
- 508-855-6907 or 800-628-0250 x8556907
- eclaims@hanover.com
We are committed to high hazard business through all market cycles, helping you retain accounts and win new business when market disruption occurs. Given our specialization in high hazard liability coverage, we're able to provide quick turnaround, flexible coverage and attractive terms. Unlock the Hanover advantage.
Accessible, experienced underwriters
Direct access to specialized complex liability underwriters with years of expertise developing tailored solutions for high-hazard liability accounts
Account-focused solutions
We serve as your single point of contact and coordinate the placement of other lines with other Hanover teams, helping to streamline the insurance buying process by reducing the number of touchpoints with insurance companies and helping reduce potential gaps in coverage
Robust risk management offerings
Valuable resources for loss prevention information and services, including a risk management portal, online safety programs and more
Skilled claims professionals
Support of our major case claims unit comprised of in-house claims professionals who are highly experienced in handling complex claims
Convenient billing experience
A selection of convenient direct and agency billing payment options, including installments, and a single bill when coverage is paired with other Hanover policies
Competitive commission and profit sharing
Full commission paid and written premium counts toward agency profit sharing premium thresholds (claims not applicable)
We offer admitted solutions to address higher-hazard product liability for a wide array of risks, ranging from startups to large companies. The appetite below outlines examples of products exposures we target.
Products
Manufacturers, wholesalers, distributors and importers of a wide range of products, including:
- Construction equipment
- Excavating and construction equipment
- Water and storage tanks
- Farming equipment
- Harvesting and landscaping equipment
- Tractors
- Fitness equipment
- Exercise and recumbent bikes
- Home gyms
- Treadmills
- Industrial machinery
- Boilers
- Bulldozers
- Compressors
- Auto and truck parts
- Axles
- Body parts
- Steering wheels
- Metal/steel fabricators
- Structural steel
- Tubing and pipe
Not in appetite
Significant class action/mass tort exposure, such as:
- Cannabis and related products
- Children's and baby products
- Air bags, seat belts or tires
- Invasive medical products
- ‘Downhole’ equipment
- Pharmaceuticals and nutraceuticals
- Pollution/environmental
- Residential building products
- Tobacco products including e-cigarettes
Not a fit for SGL?
Our SGL team works closely with our Hanover Specialty Excess & Surplus team on referrals. Visit Hanover Specialty Excess & Surplus for classes eligible for non-admitted coverage.
Product resources
Resources for your customers
Our specialty general liability offering includes valuable resources for loss prevention information and services, including a risk management portal, online safety programs and more.
See all of our Risk Solutions resources for general liability
Let's start a conversation today
Contact a member of the Hanover team to learn more about our specialty general liability solutions.
Dee Genova
Executive Underwriter
AL, AR, DC, DE, FL, GA, LA, MD, NC, OK, SC, TN, TX, VA
214-232-8813
dgenova@hanover.com
Steve Sweeney
Executive Underwriter
CT, IN, KY, MA, ME, MI, NH, NJ, NY, OH, PA, RI, VT
781-206-1108
ssweeney@hanover.com
Drew Gardiner
Executive Underwriter
AZ, CA, CO, IA, ID, IL, KS, MN, MO, MT, NM, NV, OR, SD, UT, WA, WI, WY
615-239-7593
agardiner@hanover.com