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Property

From the ability to offer streamlined account-focused solutions, to direct bill capabilities and same-day responses, there are plenty of reasons to turn to Hanover Specialty Excess and Surplus when placing small to mid-sized excess and surplus business.

Through Hanover Specialty Insurance Brokers (HSIB), our in-house excess and surplus (E&S) brokerage, we provide non-admitted solutions for accounts with moderate to challenging exposures that are already in, or are headed to, the E&S market. Our broad appetite complements and expands The Hanover’s admitted commercial lines product offerings, enabling agents to provide admitted and surplus lines solutions on a single account—making it easier for you to service accounts and maximizing your relationship.

Appetite

Unless specifically noted, the classes outlined below are in appetite for both liability and property consideration. While we entertain risks on a case-by-case basis, dependent on the individual risk characteristics, classes where we have had the most success include:

CONSTRUCTION MANUFACTURING REAL ESTATE & INSTITUTIONS
  • Appliance installation, service and repair contractors
  • Architects and engineers (excluding professional coverages)
  • Commercial and industrial contractors
  • Contractors equipment rental (general liability only)
  • Demolition and building wrecking contractors (general liability only)
  • Electricians
  • Masonry contractors
  • Plumbers
  • Renovation and service contractors
  • Roofers
  • Welders
  • Auto parts — non-critical
  • Building materials
  • Chemicals
  • Children’s and baby products
  • Cosmetics
  • Electronics
  • Foods
  • Foreign manufacturers, importers and distributors
  • Machinery and equipment
  • Metal goods
  • Plastic and rubber goods
  • Sporting goods
  • Toys and games
  • Churches (property only)
  • Industrial parks
  • Lessor’s risk
  • Nursing homes and assisted living facilities (property only)
  • Real estate and offices
  • Vacant buildings
  • Vocational and trade schools (excluding professional coverages)
SERVICES HOSPITALITY MISCELLANEOUS
  • Auto, truck and equipment repair
  • Janitorial services
  • Lawn care services
  • Machinery or equipment installation, service or repair
  • Caterers
  • Hotels and motels
  • Restaurants, bars and taverns

(Liquor liability is only available in conjunction with the general liability)

  • Beauty salons and spas (excluding professional coverages)
  • Consultants
  • Dealers and distributors
  • Mercantile and retail
  • Truckers (general liability only)

Product Offerings

We can provide property and liability coverage that falls outside the admitted market for either the whole account or a portion of an account, such as products liability coverage for a manufacturer. Product offerings include:

  • Property
  • General liability
  • Liquor liability (only available when written in conjunction with the general liability)
  • Products liability
  • Excess liability (available on a supported basis only when we also write the general liability)

The Hanover Advantage

We built our E&S capability to provide you with a unique set of advantages:

  • Account-focused solutions—ability to place admitted and surplus lines coverage with a single carrier, making it easy for you to service and manage accounts
  • Coordinated delivery—HSIB coordinates the placement of other lines with other Hanover teams
  • In-house broker—HSIB handles the surplus lines taxes and fees on your behalf without impacting commission
  • Responsiveness — our quick turnaround time provides you with indications quickly
  • Expertise—our underwriters will not give you a standard market reply on your E&S account. Decades of knowledge in specialty industries means we have experience with difficult-to-place accounts
  • Convenient billing—a variety of direct bill payment options, including installment payment plans
  • Profit sharing—written premium counts towards profit sharing goals

Contacts

Jon Littlefield
AVP
Hanover Specialty Insurance Brokers
240-638-5701
jlittlefiel@hanover.com  

Kelly Borowy
Specialty Underwriter
Hanover Specialty Insurance Brokers
517-540-4745
kborowy@hanover.com
Katie Epstein
Specialty Underwriter
Hanover Specialty Insurance Brokers
240-638-5702
cepstein@hanover.com  

Verne Laub
Specialty Property Underwriter
Hanover Specialty Insurance Brokers
240-638-5705
vlaub@hanover.com
Jillian Skolnick
Specialty Underwriter
Hanover Specialty Insurance Brokers
732-805-2302
jskolnick@hanover.com

 

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 an eligible surplus lines insurer and procured only by a properly-licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. This release is designed to provide general information for insurance professionals only and does not constitute an offer to sell or a solicitation of insurance. Any inquiries regarding the subject matter should be directed through licensed insurance professionals.

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.

Hanover Specialty Insurance Brokers, Inc. CA License # 0759293 NY License # EX-530458-R

©2019 The Hanover Insurance Company. All Rights Reserved.


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