Hanover Miscellaneous Professionals Advantage
The Hanover's specialized coverage offering helps protect professional service providers against allegations of errors and omissions that can hinder – and even destroy – their business. We deliver comprehensive, affordably-priced coverage with flexibility for you to craft the protection customers need to fit their budget.
Hanover Miscellaneous Professionals Advantage targets a wide range of small, mid-sized and large professional service providers in the following categories:
Consultants
Consultants
- Communications
- Educational
- Energy
- Human resources
- Management
- Marketing
- Public relations
- Research and development
- Telecommunications
- Training
Media and creative
Media and creative
- Advertising agencies
- Broadcasters
- Graphic designers
- Interior decorators and designers
- Market researchers
- Publishers
Real estate
Real estate
- Agents and brokers
- Appraisers
- Auctioneers
- Green energy auditors
- Home inspectors
- Lease brokers
- Mortgage brokers
- Property managers
Other professionals
Other professionals
- Arbitrators and mediators
- Business associations
- Claims adjusters
- Employment agents and executive recruiters
- Event and meeting planners
- Expert witnesses
- Forensic analysis (non-medical)
- Lobbyists
- Medical billing
- Payroll services
- Private investigator services
- Process servers
- Record storage and destruction
- Translation services
- Travel agents
For financial institutions, our Hanover Financial Insitutions Advantage offers a coordinated property, casualty, management and professional liability insurance solution.
For IT staffing, our Hanover Technology Advantage solution delivers specialized insurance programs to cover their unique exposures.
Not in appetite
- Construction development
- Financial institutions
- Manufacturing
- Safety/risk management professionals
We designed Hanover Miscellaneous Professionals Advantage to provide a standalone personal liability solution that will stay ahead of the risks of today's dynamic business environment.
Key coverage
Important coverages built-in to our base coverage form include:
- Professional services coverage
- Personal injury coverage
- Privacy and security coverage
- Pre-claim assistance
- Disciplinary proceedings
- Subpoena assistance
- Crisis event
- Reputation event
- Withheld client fee
- Nonprofit directors and officers expense
Additional product features
- Claims made and reported
- Minimum premiums starting at $500
- Limits of liability ranging from $100,000 to $10,000,000
- Deductible reduction for mediation claim settlement
- Extended reporting period options up to five years
Supplemental coverage
Our professional liability enhancement endorsement includes nine supplemental coverages:
- Canceled conferences
- Counseling support
- Emergency web hosting
- Pet boarding
- Real estate emergency consulting
- Replacement of key officers
- Temporary meeting space
- Travel disruption due to terrorism
- Workplace violence counseling
Cyber coverage
Use this comparison of our two available options to steer your discussion with professional service clients and assist them in selecting the cyber coverage that best suits their needs.
- Professional liability cyber first-party coverages endorsement
- Standalone Cyber Advantage Pro policy
Total account solutions
In addition to our professional liability solution, The Hanover can offer coordinated property, casualty and management liability coverage that your clients need to be fully protected, including
- Business owner’s policy
- Commercial property - a selection of base property broadening endorsements that add or enhance more than 65 coverages
- Commercial general liability broadening endorsement that adds or enhances 13 coverages
- Commercial automobile
- Commercial umbrella
- Executive lines
- Inland marine
- International
- Workers’ compensation
Endorsement options
Not every client will need the broader coverage and increased limits available with a standalone product.
That's why we offer errors and omissions (E&O) endorsement options for select classes of business that can be added on to a Hanover business owner's policy or commercial package policy.
Contact your underwriter to learn more about our E&O endorsements.
Program solutions
We can develop professional liability programs in any segment where you have either an existing book of business or a chance to grow. We work with retail agents, managing general agents and associations to build specific product solutions for all types of homogeneous groups with similar coverage needs, from start-ups and established programs to small, mid-size and large programs and accounts, including expertise in risk purchasing group formation.
Product not available in CA or NY. Contact your regional distribution director for more information.
Hanover Miscellaneous Professional Advantage protects against the unique risks faced by your clients. Unlock the Hanover advantage.
Specialized standalone coverage
Serves a wide range of miscellaneous professionals of all sizes, from consultants, real estate, media and creative and other professionals
Privacy and security liability coverage
Built-in coverage related to the mishandling of clients' personal information
Risk management hotline
Staffed by lawyers and claims professionals
More coverage options
Professional liability enhancement endorsement enhances protection with nine supplemental coverage features
Fast and easy quoting
Our TAP Sales quote and issue platform makes it easy to secure a liability solution for small businesses
Customer service center
Helps agencies improve operational efficiency, by servicing miscellaneous professional liability policies for small businesses
Hanover Miscellaneous Professionals Advantage targets a wide range of small, mid-sized and large professional service providers in the following categories:
For financial institutions, our Hanover Financial Insitutions Advantage offers a coordinated property, casualty, management and professional liability insurance solution.
For IT staffing, our Hanover Technology Advantage solution delivers specialized insurance programs to cover their unique exposures.
Not in appetite
- Construction development
- Financial institutions
- Manufacturing
- Safety/risk management professionals
Quote and issue online
This is all backed by our expert underwriters, ready to help with any risks that are complex or outside of the eligibility guidelines below.
Miscellaneous professional liability online quoting appetite
- Advertising, marketing and public relations
- Beauty
- Consulting
- Creative design
- Employment agents/executive recruiters
- Pet services
- Miscellaneous business services, e.g. claims adjusters, market researchers, lobbyists, travel agents and more
Eligibility and availability
- No claims
- Up to $15M in revenue
- Not available in NY
- Premium indication only in CA
Product details
- From $100K to $2M aggregate limit available online (up to $5M with underwriter referral)
- Standard miscellaneous professional liability policy form with select endorsements
- Standalone product
- Admitted policy form
- Deductibles ranging from $0 to $10K
- Claims-made and reported
- Application required to issue
Product resources
Resources for you
Marketing materials
Quote, bind and issue online
We offer flexible training options to help you better understand TAP Sales and all of our online systems and capabilities.
Resources for your customers
Our risk management program includes a risk management hotline and an online portal featuring a variety of articles, sample contracts, risk bulletins and more.
See all of our resources for miscellaneous professionals
Customer tools
Let's start a conversation today
Contact a member of our team who can help you craft professional and executive lines coverage for your clients.
Alisa Menicucci
Regional Distribution Manager
CA
707-810-4737
amenicucci@hanover.com
Ben Dowd
Regional Distribution Director
AR, LA, OK, TX
214-750-3925
bedowd@hanover.com
Matt Cohen
Regional Distribution Director
ID, MT, NJ, NY, OR, PA, WA
303-819-7926
mcohen@hanover.com
Jon Fritinger
Regional Distribution Director
IN, KY, MI, OH
513-405-9634
jfritinger@hanover.com
Adam Bennett
Regional Distribution Director
IA, IL, MN, ND, NE, SD, WI
952-484-8907
abennett@hanover.com
Issac Eberhart
Regional Distribution Director
AL, FL, GA, MS, NC, SC, TN
615-267-8545
ieberhart@hanover.com
Emerson Richardson
Regional Distribution Director
AZ, CO, KS, MO, NM, NV, UT, WY
720-445-1450
emrichardso@hanover.com
Pete Hamm
Regional Distribution Director
DC, DE, MD, VA, WV
804-349-9432
phamm@hanover.com
Becky McLaughlin
Regional Distribution Director
CT, MA, ME, NH, RI, VT
857-296-2185
rmclaughlin@hanover.com