Specialty general liability solutions

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 and premises 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 and premises liability for a wide array of risks, ranging from startups to large companies. The appetite below outlines examples of products and premises 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

 

Premises

Premises exposures needing loss-sensitive program structure, such as restaurants and shopping centers.

 

Visit Hanover Specialty Excess & Surplus for classes eligible for non-admitted coverage.

Not in appetite

Significant class action/mass tort exposure, such as:

  • Child safety equipment
  • Air bags, seat belts or tires
  • Invasive medical products
  • ‘Downhole’ equipment
  • Pharmaceuticals and nutraceuticals
  • Pollution/environmental
  • Residential building products
  • Tobacco products, e-cigarettes and cannabis

 

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 or claims-made forms
  • 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.

As part of the full suite of endorsements available, we offer the following specialized coverage as part of our complex liability offering: 

  • International and worldwide coverage
  • Employee benefits liability coverage
  • Hired non-owned auto coverage
  • Liquor liability

     

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:

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)

 

Appetite

We offer admitted solutions to address higher-hazard product and premises liability for a wide array of risks, ranging from startups to large companies. The appetite below outlines examples of products and premises 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

 

Premises

Premises exposures needing loss-sensitive program structure, such as restaurants and shopping centers.

 

Visit Hanover Specialty Excess & Surplus for classes eligible for non-admitted coverage.

Not in appetite

Significant class action/mass tort exposure, such as:

  • Child safety equipment
  • Air bags, seat belts or tires
  • Invasive medical products
  • ‘Downhole’ equipment
  • Pharmaceuticals and nutraceuticals
  • Pollution/environmental
  • Residential building products
  • Tobacco products, e-cigarettes and cannabis

 

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.

Seth Hollis
Vice President, Underwriting
484-567-8638
rhollis@hanover.com

Schedule a meeting

 AL, FL, GA, NC, SC, TN

 

 

Steve Sweeney
Executive Underwriter
617-366-7392
ssweeney@hanover.com

Schedule a meeting

CT, DC, DE, IN, KY, MA, ME, MD, MI, NH, NJ, NY, OH, PA, RI, VA and VT  

 

Drew Gardiner
Executive Underwriter
615-239-7593
agardiner@hanover.com

Schedule a meeting

AR, AZ, CA, CO, IA, ID, IL, KS, LA, MN, MO, MT, NM, NV, OK, OR, SD, TX, UT, WA, WI and WY