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Contractors

Accidents, project delays and unhappy clients are potential risks for contractors. Our specialized Contractors Advantage insurance solution offers top-rated coverage at competitive rates.

Appetite

Hanover Contractors Advantage targets contractors who are committed to job safety, willing to manage risk and understand the benefits of a long-term relationship in controlling loss costs.

We target a wide range of commercial general contractors, heavy construction and trade contractors. It is important to note our appetite for commercial construction contractors varies by state. Please contact your local middle market underwriter to discuss the appetite in your state, or for specific commercial construction contractor business opportunities. Examples of contractors that may be eligible include:

General Contractors

Heavy Construction

Trade Contractors

TARGET

  • Building construction or remodeling
    • Commercial: Office, retail, hospitality, warehouses, banks, data centers
    • Institutional: Schools, medical facilities, places of worship, museums, libraries, laboratories
    • Public works
  • Communication lines and related structures
  • Irrigation or drainage system construction
  • Street, road, secondary bridge construction
  • Sewer, water, or steam mains
    INTERIOR
    • Carpentry
    • Electrical/wiring installation
    • Flooring
    • Furniture or fixture installation
    • Plumbing, heating, and air-conditioning
    • Refrigeration systems
    • Masonry
    EXTERIOR
    • Framing
    • Fence erection
    • Non-structural sign erection
    • Machinery installation
    • Concrete work
    • Excavation/grading of land
    • Site preparation

NOT IN APPETITE

  • Dam or reservoir construction
  • Dredging
  • Environmental remediation
  • Pipeline—oil, petroleum, or gas transmission structures and piping
  • Power line and related structure construction
  • Residential building construction

Product offerings

Specialized coverages and endorsements:

In addition, we offer specialized products that offer contractors enhanced protection:

The Hanover Contractor Advantage

At The Hanover, we know he value of comprehensive protection. Our Contractor's Advantage solution protects against the unique risks faced by construction businesses. Unlock the Hanover Advantage:

  • Significant experience — We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.
  • 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
    • Total account solutions 
  • Dedicated claims team — Our claims teams have years of industry expertise and experience handling the unique types of claims construction businesses can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.
  • Risk management services — We assist customers with safety procedure improvements, risk transfer best practices, safety programs, protecting and securing equipment in yard or at jobsite and more.
  • Risk Solutions partnership — We partner with vendors who can offer specialized services for your construction clients including equipment theft prevention and recovery as well as driver monitoring.
  • Trusted partner — We have the support and financial strength of an "A" rated leading insurance carrier.

Contacts

Property and casualty

Bill Meyer
AVP, Industry Solutions
952-897-3033
bmeyer@hanover.com

Marine and industrial property

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

Management and professional liability

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


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