Property
Your business is more than just a building, but without your property — buildings as well as equipment — your talented employees can’t do what you’ve carefully trained them to do. And when your building, your stock and your equipment is at risk, so are your employees, your business partners and your patrons.
Damage to property can come from all directions, from weather events to fires to burglary and water damage.
Hanover Risk Solutions’ team of safety experts has amassed a wealth of information on many of the risks that could sideline your business and deplete your profits.
Hurricane preparedness
Hurricane preparedness
Hurricane season began June 1. Before a hurricane happens is the time to begin preparing if you live in a hurricane-prone area: create or update your business continuity plan; make sure your hurricane preparation supplies are assembled; and get staff ready in case the worst happens.
Sensor solutions
Sensor solutions
As part of Hanover's i-on Sensor Program for Property, HSB’s sensors can help protect your property from moisture damage, 24/7, with an easy-to-install system that monitors temperatures and moisture to help pinpoint problems before they destroy property. Sensor kits tailored to your business provide alerts using cellular technology. Contact your Risk Solutions Consultant to access this program.
Tornado preparedness
Tornado preparedness
While tornadoes can happen all year round, they're more common in the warmer weather. Take precautions now to make sure your property is as safe as possible when the mighty winds blow. That means having a plan, or several plans, for buildings and equipment, which might mean making improvements to your building now.
We’ve assembled the following resources to support your efforts to create safety programs to protect your property.
Electrical safety
Hazardous location classification system for electrical equipment
Commercial electrical fires: simple steps to prevent electrical fires
Electrical preventive maintenance for small businesses
Electrical distribution system
Federal Pacific Electric (FPE) Stab-Lok® breakers and panelboards
Fluorescent and other mercury-containing lamps
Grounding of commercial and industrial power systems
How to prevent costly electrical system problems
OSHA issues final electrical safety rule – establishes web resource for guidance
Power quality of commercial and industrial power systems
Protecting communication and sensitive electronic equipment from lightning and voltage surges
Protecting digital control equipment from electrical transient damage
Standard for an electrical preventive maintenance (EPM) program
Security
Background investigations for jewelers
Bringing the risk home – safety for the jewelry salesperson
Cargo theft prevention and risk mitigation for the holiday season
Equipment theft prevention tips
Evaluating the physical protection afforded by a building
The need for additional motion detection
Recommendations for shipping jewelry
Water damage and freeze prevention
Freeze prevention checklist for sprinkler piping
The power of water: how to prepare and protect your business from floods
Understanding freezing and bursting pipes
Water damage prevention and control
Water damage prevention for commercial buildings, HVAC systems
Water damage prevention checklist for commercial building HVAC systems
Water damage prevention for commercial buildings – grounds maintenance and landscaping
Roofs/building components
Natural hazards
Developing a cold weather plan
Hail protection for HVAC equipment and skylights
Hurricane preparedness for business
Preventing ice dams on businesses
Protect your property from severe winter weather
Snow load alert – protect your roof
Steps to reduce the risk of tornado damage in commercial structures
Fire prevention
Automatic sprinklers – what can impact effectiveness?
Fire prevention checklist for houses of worship
Fire protection and record storage
Fire protection impairment management checklist
Fire pump inspection testing and maintenance
Fire safety tips for construction sites
Focus on summer fire safety: fireworks
Focus on summer fire safety: grills, fire pits and campfires
Preventing clothes dryer fires
Sprinkler system testing and maintenance
Paper dust in record destruction
What is a UL alarm certificate?
Business continuity
For more information, see our business continuity page here.
We’ve partnered with industry associates to offer products, services and training at no charge or substantial discount to help you control losses.
Browse our Partners’ resources for more information .
Alarm system monitoring, testing and maintenance
This Hanover Risk Solutions Partner provides testing and inspection of alarm systems and 24/7 monitoring as well as testing and inspection of automatic sprinkler systems.
Energy efficiency
HSB provides our valuable policyholder with this free service: Efficiency First™, a web-based tool to help small and mid-sized businesses get control of and reduce energy costs by evaluating energy-saving methods and their return on investment.
System maintenance webinars
Hartford Steam Boiler provides free webinars on boiler, HVAC and electrical system maintenance for employees at all levels—operators, facility directors, maintenance supervisors, even those with no engineering or technical background.
Appraisals and valuations
Kroll provides preferred pricing on important property value appraisals for Hanover policyholders, helping businesses keep up with the true value of their property in an era of rapidly rising construction costs and changing property values. Appraisal and valuation services are provided at a discount.
Real estate and construction project water detection
As part of our Hanover i-on Sensor Program for Property, Alert Labs provides water detection services for job sites that can help prevent costly damage to property. Leaks from burst pipes and plumbing damage can halt a project and drive the cost of a project over estimates. Builder's Risk policyholders will find this Partner especially useful.
Electrical preventive maintenance
Electrical fires and system shut-downs can be costly, but are preventable. Electrical Preventive Maintenance outlines possible problem areas and methods of evaluating them to help head off problems before they result in fires or impact production.
Assess your electrical preventive maintenance
Regular maintenance is key to preventing problems in your electrical system. This easy eLearning course covers the questions you should ask about the health of your electrical system and provides insight on improving the reliability and helping prevent shut-downs.
Freeze prevention
Frozen pipes can wreak havoc with everything – ruin stock, machinery and the building itself, and prevent your life and safety protection systems from working properly, putting your business at risk for catastrophic loss of life and property. How do you keep things un-frozen and up and running? This simple eLearning piece can help.
We’ve assembled the following resources to support your efforts to create safety programs to protect your property.
Liability
Liability coverages provides financial protection for a driver who, while operating a vehicle, harms someone else or their property.