CL Helpline | PL Helpline
 
Property

For more than 50 years, The Hanover has underwritten admitted, sprinklered property coverage for higher-hazard property risks with known sprinkler deficiencies or unique risk characteristics that require increased protection because of high fire loads or potentially volatile manufacturing processes. While most standard market carriers avoid or approach this business with caution, we've made complex industrial property our sole focus. Our entire team is focused on creating tailored protection plans that address each business's unique risks while delivering a higher level of service and attention.

Target Appetite

We target high-hazard risks in over 45 classes:

  • Adhesives
  • Aerosols
  • Auto parts
  • Battery manufacturing
  • Boat manufacturing
  • Building owner—lessors risk
  • Cabinet manufacturing
  • Candle manufacturing
  • Chemicals
  • Coatings
  • Composites
  • Corrugated box manufacturing
  • Cosmetics
  • Cutting
  • Distilleries
  • Electroplating
  • Equipment/assembly
  • Explosives
  • Fertilizer manufacturing
  • Fiberglass
  • Firearms
  • Fireworks storage
  • Foam and foam rubber
  • Food additives
  • Food processing—spray drying
  • Foundries
  • Furniture manufacturing
  • Heat treating
  • Janitorial supplies
  • Labs
  • Laminating
  • Lubricants
  • Machine shop
  • Matches
  • Mattress manufacturing
  • Ordnance/munitions
  • Paper products
  • Pesticides
  • Pharmaceuticals/
    nutraceuticals
  • Plastic manufacturing—all types
  • Printing
  • Resins
  • Rubber manufacturing—all types
  • Shoe manufacturing
  • Solvents
  • Sporting goods manufacturing
  • Synthetic oil packaging
  • Textiles—standard and impregnated
  • Tire distribution and recapping—various
  • Volatile metals manufacturing and processing—titanium, nickel, etc.
  • Warehousing
  • Wood products

We are not a market for:

  • Biofuels
  • Habitational
  • Recycling
  • Vacant buildings
 

For non-sprinklered or partially sprinklered higher-hazard property risks, we offer a non-admitted solution through Hanover Specialty Insurance Brokers (HSIB), our in-house excess and surplus brokerage. Contact a member of HSIB to learn more.

Product Offerings

We can offer policies for both single and multiple locations and leverage our flexible array of coverages to customize a solution to meet the unique needs of each client. We can also offer monoline opportunities and split policies for multi-location schedules. Key features include:

  • Policy written on admitted Hanover/Verlan A-15 paper
  • $100 million per location capacity for most classes
  • $10,000 minimum premium
  • $5,000 minimum deductible
  • No coinsurance needed
  • Optional equipment breakdown coverage
  • Property valued at replacement cost
  • Finished goods valued at selling price
  • Debris removal included in the policy limit
  • Business income includes extra expense and rental value
  • Separate pollution limit for cleanup
  • Sublimits available


We're able to carve out properties presently written on a Middle Market policy to help maintain optimum pricing. This unique ability supplements Middle Market's offering in the following industries:

The Hanover Advantage

We are committed to industrial property risks through all market cycles, helping you retain accounts and win new business when market disruption occurs. Given our specialization in high-hazard industrial property coverage, we're able to provide quick turnaround, attractive terms, and competitive premium. Unlock The Hanover Advantage:

  • Long-term commitment to the industrial market with a special understanding of industry issues
  • Our team is comprised of engineers, underwriters and insurance professionals who are highly skilled at tailoring insurance solutions for industrial facilities
  • Our industry-recognized property engineers understand the intent of fire codes and provide services such as inspections, sprinkler test reviews, new building or system upgrade specifications and more for sprinklered property policyholders
  • We coordinate the placement of other lines with other Hanover units

Contacts

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

David Johnson
Regional Director, Distribution Management
CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT
240-638-5727
davejohnson@hanover.com

Don Christy
Regional Director, Distribution Management
IA, IL, KS, MN, MO, ND, NE, SD, WI
630-521-8401
dchristy@hanover.com

Dori Necessary
Regional Manager, Distribution Management
AL, FL, GA, MS, NC, SC, TN
615-419-4968
dnecessary@hanover.com

Justen Morrow
Regional Distribution Manager
IN, KY, MI, OH
616-258-7723
jumorrow@hanover.com

Lara Protiva
Regional Manager, Distribution Management
AZ, CA, NV, OR, West WA
213-533-4186
lprotiva@hanover.com

Mandy Salerno
Regional Distribution Director
DE, MD, NJ, PA
908-334-0315
amsalerno@hanover.com

Michael Lightner
Senior Underwriting Specialist
CO, ID, UT, East WA
208-246-9239
mlightner@hanover.com


This site uses cookies. View our policy and online privacy statement.

California residents: View the information we collect and how we use it.

×