No

Ringing up real value in total protection

The retail industry, your business included, is quite different from other commercial organizations. Your unique exposures require very special insurance needs. Not every carrier can meet those needs, much less customize them for a perfect fit. It takes years of experience to know exactly what’s needed, because overlooking even a small risk can quickly destroy years of hard work. The Hanover understands this. That’s why we’ve developed our specialized Hanover Retail Advantage program, offering top-rated coverage at very competitive rates.

Devoted to complete coverage

The Hanover team, which includes your local agent, is expert at designing insurance coverage especially for the retail Industry. Our underwriting, claims, and risk solutions professionals have many years of experience in providing service for your industry. In making sure your coverages are complete, cost-effective, and convenient, we’ve left nothing to chance. Beyond the core policy of our Hanover Retail Advantage program, we offer expanded options aimed at covering just about everything, including equipment breakdown coverage, enhanced building definition, employment practices liability, private company management liability and more. We can expertly tailor your policy to meet your exact needs, and even offer convenient automated premium payments.

Superior claims professionals

Our highly experienced and dedicated claims professionals, including field adjusters, appraisers, nurses, administrative personnel, and special investigators, are second to none. These high-caliber people are dedicated to resolving claims quickly, accurately, and fairly.

Learning to prevent losses saves money

The mark of an exceptional insurance company is its ability to help clients prevent a loss in the first place. Because today’s retailers face ever-increasing risks, The Hanover offers comprehensive risk solutions programs and services designed to help you learn how to minimize your risks, which can have a positive effect on your premiums.

Comprehensive products deliver peace of mind

The Hanover provides a complete suite of insurance products to protect your property, autos, and employees.

Our broad range of industry-specific coverages includes:

Commercial property

  • Selection of base property broadening endorsements — bronze, silver, gold, platinum— that add or enhance over 65 special coverages, including a flexible blanket limit (nine coverages) including:
    • Accounts receivable
    • Fine arts
    • Outdoor property
    • Brands and labels
    • Broadened business personal property
    • Business income and extra expense from dependent properties
    • eCommerce
    • Crime coverages including employee theft, forgery and alteration and money and securities
    • Key replacement and lock repair coverage
    • Lease cancellation
    • Property in transit
    • Property off-premises
    • Seasonal increase — business personal property
    • Sewer backup
    • Valuable papers and records
  • Blanket coverage, agreed amount and inflation guard (available)
  • Spoilage and contamination coverage
  • Data breach
  • Historic building valuation clause
  • Emergency event management

Commercial liability

  • Comprehensive general liability (Primary limits — $1,000,000)
  • Suite of general liability broadening coverages that add or enhance over 20 coverages, including:
    • Aggregate limit per location
    • Broad form property damage
    • Additional insured — broad form vendors
    • Product recall expense
  • Umbrella limits up to $25,000,000

Commercial auto

  • Commercial auto policy (Primary limits — $1,000,000)
  • Auto broadening endorsement — over 20 additional coverages, including:
    • Broadened named insured
    • Auto lease auto physical damage
    • Audio, visual, data electronic equipment coverage
  • Broadened towing and labor
  • Auto theft reward
  • International contingent auto

Workers’ compensation

  • Workers’ compensation broadening endorsement, including:
    • Other states
    • Voluntary compensation

GlobalReach international offering

  • Property
  • General liability
  • Workers’ compensation

Commercial inland marine

  • Transit
  • Builder’s risk

Employment practices liability

Private company management liability

Let’s try on some superior coverage

Nobody knows more about designing coverage for today’s retailers than your agent and The Hanover team. Call us to get a conversation started.

 

 


114-1277(6/16)

No

Ringing up real value in total protection

The retail industry, your business included, is quite different from other commercial organizations. Your unique exposures require very special insurance needs. Not every carrier can meet those needs, much less customize them for a perfect fit. It takes years of experience to know exactly what’s needed, because overlooking even a small risk can quickly destroy years of hard work. The Hanover understands this. That’s why we’ve developed our specialized Hanover Retail Advantage program, offering top-rated coverage at very competitive rates.

Devoted to complete coverage

The Hanover team, which includes your local agent, is expert at designing insurance coverage especially for the retail Industry. Our underwriting, claims, and risk solutions professionals have many years of experience in providing service for your industry. In making sure your coverages are complete, cost-effective, and convenient, we’ve left nothing to chance. Beyond the core policy of our Hanover Retail Advantage program, we offer expanded options aimed at covering just about everything, including equipment breakdown coverage, enhanced building definition, employment practices liability, private company management liability and more. We can expertly tailor your policy to meet your exact needs, and even offer convenient automated premium payments.

Superior claims professionals

Our highly experienced and dedicated claims professionals, including field adjusters, appraisers, nurses, administrative personnel, and special investigators, are second to none. These high-caliber people are dedicated to resolving claims quickly, accurately, and fairly.

Learning to prevent losses saves money

The mark of an exceptional insurance company is its ability to help clients prevent a loss in the first place. Because today’s retailers face ever-increasing risks, The Hanover offers comprehensive risk solutions programs and services designed to help you learn how to minimize your risks, which can have a positive effect on your premiums.

Comprehensive products deliver peace of mind

The Hanover provides a complete suite of insurance products to protect your property, autos, and employees.

Our broad range of industry-specific coverages includes:

Commercial property

  • Selection of base property broadening endorsements — bronze, silver, gold, platinum— that add or enhance over 65 special coverages, including a flexible blanket limit (nine coverages) including:
    • Accounts receivable
    • Fine arts
    • Outdoor property
    • Brands and labels
    • Broadened business personal property
    • Business income and extra expense from dependent properties
    • eCommerce
    • Crime coverages including employee theft, forgery and alteration and money and securities
    • Key replacement and lock repair coverage
    • Lease cancellation
    • Property in transit
    • Property off-premises
    • Seasonal increase — business personal property
    • Sewer backup
    • Valuable papers and records
  • Blanket coverage, agreed amount and inflation guard (available)
  • Spoilage and contamination coverage
  • Data breach
  • Historic building valuation clause
  • Emergency event management

Commercial liability

  • Comprehensive general liability (Primary limits — $1,000,000)
  • Suite of general liability broadening coverages that add or enhance over 20 coverages, including:
    • Aggregate limit per location
    • Broad form property damage
    • Additional insured — broad form vendors
    • Product recall expense
  • Umbrella limits up to $25,000,000

Commercial auto

  • Commercial auto policy (Primary limits — $1,000,000)
  • Auto broadening endorsement — over 20 additional coverages, including:
    • Broadened named insured
    • Auto lease auto physical damage
    • Audio, visual, data electronic equipment coverage
  • Broadened towing and labor
  • Auto theft reward
  • International contingent auto

Workers’ compensation

  • Workers’ compensation broadening endorsement, including:
    • Other states
    • Voluntary compensation

GlobalReach international offering

  • Property
  • General liability
  • Workers’ compensation

Commercial inland marine

  • Transit
  • Builder’s risk

Employment practices liability

Private company management liability

Let’s try on some superior coverage

Nobody knows more about designing coverage for today’s retailers than your agent and The Hanover team. Call us to get a conversation started.

 

 


114-1277(6/16)