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Hanover Miscellaneous Professionals Advantage helps protect service businesses against allegations of errors and omissions that can cripple – and even destroy – the business. We deliver comprehensive, affordably-priced coverage with flexibility for agents to recommend the coverages customers need to fit their budget. We are committed to delivering more value for our agents and their customers.

Target appetite

Hanover Miscellaneous Professionals Advantage targets a wide range of small, mid-sized and large professional services firms in the following categories:

CONSULTANTS

MEDIA & CREATIVE PROFESSIONALS

REAL ESTATE PROFESSIONALS

OTHER PROFESSIONALS

TARGET

  • Communications
  • Educational
  • Energy
  • Human resources
  • Management
  • Marketing
  • Public relations
  • Research and development
  • Telecommunications
  • Training
  • Advertising agencies
  • Broadcasters
  • Graphic designers
  • Interior decorators and designers
  • Market researchers
  • Publishers
  • Agents and brokers
  • Appraisers
  • Auctioneers
  • Green energy auditors
  • Home inspectors
  • Lease brokers
  • Mortgage brokers
  • Property managers
  • 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

NOT IN APPETITE

  • Construction development
  • Financial institutions
  • Manufacturing
  • Safety/risk management professionals
  • Title agents

Product offerings

Stand-alone product

Professional services firms need a professional liability insurance solution that will keep up with the modern risks they face in today's dynamic business environment. That's why we redesigned our stand-alone Hanover Miscellaneous Professionals Advantage* solution to meet the evolving needs of professionals.

Our enhanced offering includes expanded coverage to help protect your clients against the financial damage of a claim or lawsuit resulting from allegations of errors or professional negligence. Key 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 include:

  • 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

Plus, our new professional liability enhancement endorsement includes nine supplemental coverages:

  • Cancelled 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

Effective State Dates.

  • AL, AZ, CT, DC, IA, IN, IL, KY, MD, MI, MN, MT, ND, NH, NJ, NM, NV,  OK, OR, PA, RI, SC, SD, TN, UT, WA, WI, WV and WY – in effect for new  business and renewals
  • KS, ID, ME, NC, OH and TX – in effect for new business and effective 2/17/2020 for renewals
  • CO, DE, MO, MS and NE – effective 2/5/2020 for new business and 4/20/2020 for renewals
  • CA — effective 4/10/2020 for new business and 4/10/2020 for renewals
  • GA — effective 4/10/2020 for new business and 7/4/2020 for renewals

Additional states to follow. Contact your professional liability underwriter for more information.

Endorsement option

For clients that don't need the broader coverage and increased limits available with a stand-alone product, The Hanover offers errors and omissions endorsement options for select classes of business that can be added on to a Hanover business owner's policy (BOP) or commercial package policy (CPP).  Contact your Small Commercial sales manager or Middle Market 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.

Learn more about The Hanover's program offerings and view sample programs.

Insurago

Insurago enables you to provide independent professionals, allied healthcare providers and small firms across more than 100 professions a way to quickly and easily purchase professional liability coverage from The Hanover. Customers experience a quote and issue platform with self-service capabilities, while you retain a commission for these sales.

Go to TAP Marketing to learn more about Insurago and see how it can help grow your business.

Contact Us

Contact a member of our team who can help you develop tailored management and professional lines solutions for your clients.

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

Aaron Brown
Regional Distribution Director
AZ, CA, ID, MT, NM, NV, OR, UT, WA, WY
949-202-8559
cabrown@hanover.com

Adam Bennett
Regional Distribution Director
CO, IA, IL, IN, KS, KY, MN, MO, ND, NE, SD, WI
952-484-8907
abennett@hanover.com

Jim Cramer
Regional Distribution Director
AR, KS, LA, MO, OK, TX
469-318-5153
jcramer@hanover.com

Margaret Teta
Regional Distribution Director
CT, DE, MA, MD, ME, NH, NJ, NY, PA, RI, VT
860-597-7967
mteta@hanover.com

Shannon Juedeman
Regional Distribution Director
AL, FL, GA, MS, NC, SC, TN, VA, WV
678-230-2514
sjuedeman@hanover.com


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All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates. Coverage may not be available in all jurisdictions and certain coverage may be provided by a surplus lines insurer. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. Please refer to the actual policy issued for complete details of coverage and exclusions. For more information about The Hanover visit our website at www.hanover.com.