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Hanover Programs

Your partner for programs

Through decades of experience and a commitment to long-term success, Hanover Programs has built one of the strongest program teams in the business. We collaborate with our partners to achieve program success by building custom programs based on client needs and capabilities, ranging from admitted or non-admitted solutions, to captives, delegated authority, risk purchasing groups and more. We consistently work hard to remove barriers, streamline operations and improve financial returns, while eliminating uncertainty for you and your clients. That's why the best retail agents, managing general agents and managing general underwriters trust Hanover Programs.

Program capabilities


Whether it's through Hanover Programs, our dedicated programs unit, or one of our other business units, our broad portfolio of products gives us the ability to provide account-focused solutions for your clients. We write all standard commercial lines of coverage and multiple lines of specialty coverage with a focus on:

  • Commercial general liability
  • Commercial property and allied lines
  • Commercial automobile
  • Directors and officers liability
  • Employment practices liability
  • Fiduciary liability
  • Inland marine
  • Ocean marine
  • Professional liability
  • Surety
  • Umbrella and excess
  • Workers' compensation

Hanover Programs is also uniquely positioned to offer both admitted and non-admitted solutions in all 50 states.

Program structure

Program structures vary substantially based on client needs and capabilities. Hanover Programs can employ captives, rent-a-captives, commission slides, profit-sharing and traditional guaranteed costs programs on a program-by-program basis.

Technology and service capabilities

Hanover Programs' full suite of capabilities includes everything from underwriting to product platforms, service, claims and loss control. Our web-based suite of tools enables real-time interactions, not just for underwriters, but also for service, endorsement processing, billing, claims and MIS, allowing end-users to quickly, accurately and efficiently transact with Hanover Programs. Additionally, we can help you position your agency as experts by providing access to a wide range of industry-specific risk management tools as well as loss control and safety information.

Target appetite

We can develop program solutions in virtually any industry where you have either an existing book of business, association endorsement or an opportunity to grow in a specific segment. We target homogeneous groups with similar coverage needs, including:

  • Risk class
  • Geography
  • Line of business
  • Affinity or association groups

Hanover Programs' target program consists of homogeneous business that requires unique products and underwriting. Key program attributes we look for include:

  • Strong and sustainable results with detailed data for actuarial and underwriting analysis
  • Unique product, underwriting and operational aspects that drive profit
  • Well-established business with meaningful primary program premium

For start-up programs or those smaller in scale, we can offer tailored program solutions through our professional liability, management liability, marine and surety business units.

The Hanover advantage

Our unique combination of experience, financial strength, stability and innovative programs enables us to offer an unparalleled level of protection. Key advantages of partnering with The Hanover include:

  • Customized, program-specific coverages in property, casualty and management and professional lines
  • Bundled and un-bundled solutions
  • Admitted and non-admitted products
  • Ability to support various reinsurance structures and partners on a program-by-program basis
  • Ability to provide full-service program capabilities
  • Speed to market
  • A single point of contact from planning to execution
  • Workflows tailored to the needs of the agency
  • Delegated authority for program administrators, as appropriate
  • Client access to risk management tools
  • Ability to handle standard and specialty lines through The Hanover's Commercial Lines Customer Service Center
  • Financial strength of a carrier rated "A" by A.M. Best, Standard & Poor's and Moody's

Sample programs

Here's just a sampling of the programs we currently write within Hanover Programs and our other Hanover Specialty business units:

Management and professional lines

  • Property managers
  • Property preservationists
  • Home inspectors
  • Interior designers
  • Real estate agents
  • Accountants and financial advisors
  • Various bar associations and practice specific associations
  • Optometrists

Property and casualty

  • Parking garages
  • Arborists
  • Building movers
  • Crane/construction services
  • Jewelers block
  • Marinas
  • Moving and storage
  • Pest control operations
  • Self-storage facilities
  • Veterinarians
  • Ski resorts


  • Residential lease guarantees
  • Custom bonds


To engage in a discussion about your program business contact a program expert or email us at

Brad Isaacson
Hanover Programs

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