Hanover is serving up a collection of solutions for your clients in the hospitality and restaurant industries. We offer an array of products and coverages, with expert underwriters and experienced risk managers who are responsive and knowledgeable. The Hanover's leading solutions meet the changing needs of the hospitality and restaurant industry.
NOT IN APPETITE
- Commercial package policy (CPP)
- Commercial property
- Commercial general liability
- Commercial automobile
- Commercial follow form excess and umbrella
- Workers' compensation
Specialized coverages and endorsements
- Selection of base property broadening endorsements (add or enhance over 65 coverages)
- Bronze Property Broadening Endorsement
- Silver Property Broadening Endorsement
- Gold Property Broadening Endorsement
- Platinum Property Broadening Endorsement
- Hospitality property broadening endorsement
- Suite of general liability broadening coverages (add or enhance over 20 coverages)
- Hospitality services errors and omissions coverage
- Liquor liability coverage (state-specific)
- Emergency event management coverage
- Reservation systems (non-affiliated) worldwide coverage
- Spoilage and contamination coverage
- Outdoor property coverage (including signs)
- Products recall
- Seasonal increase coverage
- Guest's property coverage
- Customer reimbursement coverage
- Broadened supplemental payments coverage
In addition, we offer specialized products that offer hospitality businesses enhanced protection:
The Hanover Hospitality and Restaurants Advantage
At The Hanover, we're serving up the value of comprehensive protection. Our Hospitality and Restaurants Advantage solution protects against the unique risks faced by businesses in the hospitality and restaurants industry. 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
- Three coverage options for errors and omissions
- Total account solutions
- Dedicated claims team — Our claims teams have years of industry expertise and experience handling the unique types of claims hospitality and restaurant 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, commercial cooking safety, disaster preparedness and business continuity planning, and provide employee training programs.
- Risk Solutions partnership — We partner with vendors who can offer specialized hospitality services, such as criminal background checks, disaster recovery planning, testing and inspection of alarm systems and 24/7 monitoring, employment screening services and more.
- Trusted partner — We have the support and financial strength of an "A" rated leading insurance carrier.
Property and casualty
Marine and industrial property
Management and professional liability