Video

Understanding water backup coverage

water damaged basement

When you think of water seeping into your home, the first thing you think of is probably a flood.

But there are many more common causes of water backup, and they can get just as costly.

In fact, on average, water backup claims are the third most costly types of home insurance claims, after fires and liability claims. Additionally, basic home coverage doesn't always cover these types of incidents. For starters, having coverage against flood damage involves purchasing coverage from a federal flood insurance program. But, more common water damage incidents often involve specialized coverage, too.

Water, water everywhere

First, let's talk about water damage itself. This most commonly occurs when a drain, a sewer or a gutter backs up, or a pump fails, forcing water into your home. This could stem from a heavy rain, debris causing a clog, or even root invasion from your yard outside. The resulting water damage from such an occurrence is most likely to take place in a basement (roughly two-thirds of water backup events do), so one thing to consider right away is whether or not you have valuables stored there. If so, you have an increased risk of a costly insurance claim, especially if you happen to have a finished basement. In fact, claims involving finished basements are, on average, 65 percent more costly those in unfinished basements.

However, water backup isn't confined just to basements. Considering that your house is surrounded by water circulating through pipes and drains, this damage can occur on any floor. Thus, it's important to have some level of water backup coverage on your home. Your independent agent can help you assess your risks and determine the amount that's right for you.

Call for backup

Because water backup can vary in size and severity, good water backup coverage should be flexible and affordable. The Hanover offers both, with amounts ranging from $5,000 in coverage, all the way up to the replacement cost of your home (depending on which state you live in).

Getting dry

If you do suffer a water backup incident, some simple steps can help minimize the damage.

  1. Remove any standing water as soon as possible. This will help stem any potential structural damage to your home.
  2. Dry anything that has absorbed the water – especially carpets and rugs – to prevent mold growth.
  3. Hire a water mitigation vendor in your area to professionally treat the damage promptly. Your independent insurance agent can help you find someone if needed.

To learn more about water backup coverage, watch this quick video or review our water backup infographic. Then, talk to your independent agent to make sure you have the right level of coverage in place.

Understanding water backup coverage

When you think of water seeping into your home, the first thing you think of is probably a flood.

But there are many more common causes of water backup, and they can get just as costly.

In fact, on average, water backup claims are the third most costly types of home insurance claims, after fires and liability claims. Additionally, basic home coverage doesn't always cover these types of incidents. For starters, having coverage against flood damage involves purchasing coverage from a federal flood insurance program. But, more common water damage incidents often involve specialized coverage, too.

Water, water everywhere

First, let's talk about water damage itself. This most commonly occurs when a drain, a sewer or a gutter backs up, or a pump fails, forcing water into your home. This could stem from a heavy rain, debris causing a clog, or even root invasion from your yard outside. The resulting water damage from such an occurrence is most likely to take place in a basement (roughly two-thirds of water backup events do), so one thing to consider right away is whether or not you have valuables stored there. If so, you have an increased risk of a costly insurance claim, especially if you happen to have a finished basement. In fact, claims involving finished basements are, on average, 65 percent more costly those in unfinished basements.

However, water backup isn't confined just to basements. Considering that your house is surrounded by water circulating through pipes and drains, this damage can occur on any floor. Thus, it's important to have some level of water backup coverage on your home. Your independent agent can help you assess your risks and determine the amount that's right for you.

Call for backup

Because water backup can vary in size and severity, good water backup coverage should be flexible and affordable. The Hanover offers both, with amounts ranging from $5,000 in coverage, all the way up to the replacement cost of your home (depending on which state you live in).

Getting dry

If you do suffer a water backup incident, some simple steps can help minimize the damage.

  1. Remove any standing water as soon as possible. This will help stem any potential structural damage to your home.
  2. Dry anything that has absorbed the water – especially carpets and rugs – to prevent mold growth.
  3. Hire a water mitigation vendor in your area to professionally treat the damage promptly. Your independent insurance agent can help you find someone if needed.

To learn more about water backup coverage, watch this quick video or review our water backup infographic. Then, talk to your independent agent to make sure you have the right level of coverage in place.

Understanding water backup coverage

When you think of water seeping into your home, the first thing you think of is probably a flood.

But there are many more common causes of water backup, and they can get just as costly.

In fact, on average, water backup claims are the third most costly types of home insurance claims, after fires and liability claims. Additionally, basic home coverage doesn't always cover these types of incidents. For starters, having coverage against flood damage involves purchasing coverage from a federal flood insurance program. But, more common water damage incidents often involve specialized coverage, too.

Water, water everywhere

First, let's talk about water damage itself. This most commonly occurs when a drain, a sewer or a gutter backs up, or a pump fails, forcing water into your home. This could stem from a heavy rain, debris causing a clog, or even root invasion from your yard outside. The resulting water damage from such an occurrence is most likely to take place in a basement (roughly two-thirds of water backup events do), so one thing to consider right away is whether or not you have valuables stored there. If so, you have an increased risk of a costly insurance claim, especially if you happen to have a finished basement. In fact, claims involving finished basements are, on average, 65 percent more costly those in unfinished basements.

However, water backup isn't confined just to basements. Considering that your house is surrounded by water circulating through pipes and drains, this damage can occur on any floor. Thus, it's important to have some level of water backup coverage on your home. Your independent agent can help you assess your risks and determine the amount that's right for you.

Call for backup

Because water backup can vary in size and severity, good water backup coverage should be flexible and affordable. The Hanover offers both, with amounts ranging from $5,000 in coverage, all the way up to the replacement cost of your home (depending on which state you live in).

Getting dry

If you do suffer a water backup incident, some simple steps can help minimize the damage.

  1. Remove any standing water as soon as possible. This will help stem any potential structural damage to your home.
  2. Dry anything that has absorbed the water – especially carpets and rugs – to prevent mold growth.
  3. Hire a water mitigation vendor in your area to professionally treat the damage promptly. Your independent insurance agent can help you find someone if needed.

To learn more about water backup coverage, watch this quick video or review our water backup infographic. Then, talk to your independent agent to make sure you have the right level of coverage in place.

Understanding water backup coverage

When you think of water seeping into your home, the first thing you think of is probably a flood.

But there are many more common causes of water backup, and they can get just as costly.

In fact, on average, water backup claims are the third most costly types of home insurance claims, after fires and liability claims. Additionally, basic home coverage doesn't always cover these types of incidents. For starters, having coverage against flood damage involves purchasing coverage from a federal flood insurance program. But, more common water damage incidents often involve specialized coverage, too.

Water, water everywhere

First, let's talk about water damage itself. This most commonly occurs when a drain, a sewer or a gutter backs up, or a pump fails, forcing water into your home. This could stem from a heavy rain, debris causing a clog, or even root invasion from your yard outside. The resulting water damage from such an occurrence is most likely to take place in a basement (roughly two-thirds of water backup events do), so one thing to consider right away is whether or not you have valuables stored there. If so, you have an increased risk of a costly insurance claim, especially if you happen to have a finished basement. In fact, claims involving finished basements are, on average, 65 percent more costly those in unfinished basements.

However, water backup isn't confined just to basements. Considering that your house is surrounded by water circulating through pipes and drains, this damage can occur on any floor. Thus, it's important to have some level of water backup coverage on your home. Your independent agent can help you assess your risks and determine the amount that's right for you.

Call for backup

Because water backup can vary in size and severity, good water backup coverage should be flexible and affordable. The Hanover offers both, with amounts ranging from $5,000 in coverage, all the way up to the replacement cost of your home (depending on which state you live in).

Getting dry

If you do suffer a water backup incident, some simple steps can help minimize the damage.

  1. Remove any standing water as soon as possible. This will help stem any potential structural damage to your home.
  2. Dry anything that has absorbed the water – especially carpets and rugs – to prevent mold growth.
  3. Hire a water mitigation vendor in your area to professionally treat the damage promptly. Your independent insurance agent can help you find someone if needed.

To learn more about water backup coverage, watch this quick video or review our water backup infographic. Then, talk to your independent agent to make sure you have the right level of coverage in place.

Video

Navigating boat insurance

navigation on boat dashboard

According to the National Marine Manufacturers Association, 141.6 million Americans go boating each year – that’s almost half the population of the U.S. Unfortunately, not every boater is going to be as conscientious as you, and that’s why it’s important to stay safe, and stay covered with watercraft insurance.

Do I need it?

Yes. Some states legally require it, and a quick Internet search can reveal if yours does. But more importantly, without it, you could be on the hook for major costs related to liability or repairs in the event of an accident. If you ever have to make a claim, the average is $11,000.

How much do I need?

Similar to cars, boats lose value when in use. That’s why it’s important to remember these two terms: agreed value and market value. Insuring for market value factors in depreciation, and thus can be a money saver in terms of your premium. However, if you intend to replace your boat with something new in the event of a total loss, you’ll want to insure it for its agreed value, so you won’t have to go out-of-pocket to purchase a replacement.

Protection for your boat – and from others

According to the U.S. Coast Guard, the leading type of boating accident is collision with a recreational vehicle. That’s why it’s important to protect yourself against other vessels and operators who may not be carrying the right level of insurance. An uninsured and underinsured watercraft liability option provides coverage for a loss that you or other occupants of your watercraft experience from a claim involving an un-/underinsured boater.

More than just boats

You may regularly transport your boat from your home to a dock or marina. If so, boat insurance may help protect your trailers and other equipment, too. One example is a watercraft physical damage endorsement, which can provide physical damage coverage for eligible watercraft as well as trailers.

All aboard for coverage

You can protect what’s on your boat, too. With a fishing equipment and personal effects endorsement, you can increase coverage limits for items like fishing gear, water sports equipment, coolers and more.

Smart sailing

Inexperienced or inattentive operators are the leading contributors to boating accidents. So stay safe, and stay alert. Much like teens and driver’s ed courses, taking a boating class can help you reduce not just your insurance premium, but the risk of getting in an accident.

It’s kind of like a canopy

Once your boat is out of the water, its insured status can get vague. For instance, if you are driving your boat on a trailer, and get into an accident, the coverage in your auto policy takes effect. However, your boat insurance often does not factor in. So, to make sure you are covered both in water and on land, consider an umbrella policy. It’s expanded liability coverage that can help protect you in this scenario (and plenty of high-cost scenarios not involving boats as well).

That’s a boatload of options

Talk to your independent insurance agent today to learn more about (water)crafting the right plan for your boat. The Hanover offers coverage affordable, and easy to add to your existing home and auto policy.

Navigating boat insurance

According to the National Marine Manufacturers Association, 141.6 million Americans go boating each year – that’s almost half the population of the U.S. Unfortunately, not every boater is going to be as conscientious as you, and that’s why it’s important to stay safe, and stay covered with watercraft insurance.

Do I need it?

Yes. Some states legally require it, and a quick Internet search can reveal if yours does. But more importantly, without it, you could be on the hook for major costs related to liability or repairs in the event of an accident. If you ever have to make a claim, the average is $11,000.

How much do I need?

Similar to cars, boats lose value when in use. That’s why it’s important to remember these two terms: agreed value and market value. Insuring for market value factors in depreciation, and thus can be a money saver in terms of your premium. However, if you intend to replace your boat with something new in the event of a total loss, you’ll want to insure it for its agreed value, so you won’t have to go out-of-pocket to purchase a replacement.

Protection for your boat – and from others

According to the U.S. Coast Guard, the leading type of boating accident is collision with a recreational vehicle. That’s why it’s important to protect yourself against other vessels and operators who may not be carrying the right level of insurance. An uninsured and underinsured watercraft liability option provides coverage for a loss that you or other occupants of your watercraft experience from a claim involving an un-/underinsured boater.

More than just boats

You may regularly transport your boat from your home to a dock or marina. If so, boat insurance may help protect your trailers and other equipment, too. One example is a watercraft physical damage endorsement, which can provide physical damage coverage for eligible watercraft as well as trailers.

All aboard for coverage

You can protect what’s on your boat, too. With a fishing equipment and personal effects endorsement, you can increase coverage limits for items like fishing gear, water sports equipment, coolers and more.

Smart sailing

Inexperienced or inattentive operators are the leading contributors to boating accidents. So stay safe, and stay alert. Much like teens and driver’s ed courses, taking a boating class can help you reduce not just your insurance premium, but the risk of getting in an accident.

It’s kind of like a canopy

Once your boat is out of the water, its insured status can get vague. For instance, if you are driving your boat on a trailer, and get into an accident, the coverage in your auto policy takes effect. However, your boat insurance often does not factor in. So, to make sure you are covered both in water and on land, consider an umbrella policy. It’s expanded liability coverage that can help protect you in this scenario (and plenty of high-cost scenarios not involving boats as well).

That’s a boatload of options

Talk to your independent insurance agent today to learn more about (water)crafting the right plan for your boat. The Hanover offers coverage affordable, and easy to add to your existing home and auto policy.

Navigating boat insurance

According to the National Marine Manufacturers Association, 141.6 million Americans go boating each year – that’s almost half the population of the U.S. Unfortunately, not every boater is going to be as conscientious as you, and that’s why it’s important to stay safe, and stay covered with watercraft insurance.

Do I need it?

Yes. Some states legally require it, and a quick Internet search can reveal if yours does. But more importantly, without it, you could be on the hook for major costs related to liability or repairs in the event of an accident. If you ever have to make a claim, the average is $11,000.

How much do I need?

Similar to cars, boats lose value when in use. That’s why it’s important to remember these two terms: agreed value and market value. Insuring for market value factors in depreciation, and thus can be a money saver in terms of your premium. However, if you intend to replace your boat with something new in the event of a total loss, you’ll want to insure it for its agreed value, so you won’t have to go out-of-pocket to purchase a replacement.

Protection for your boat – and from others

According to the U.S. Coast Guard, the leading type of boating accident is collision with a recreational vehicle. That’s why it’s important to protect yourself against other vessels and operators who may not be carrying the right level of insurance. An uninsured and underinsured watercraft liability option provides coverage for a loss that you or other occupants of your watercraft experience from a claim involving an un-/underinsured boater.

More than just boats

You may regularly transport your boat from your home to a dock or marina. If so, boat insurance may help protect your trailers and other equipment, too. One example is a watercraft physical damage endorsement, which can provide physical damage coverage for eligible watercraft as well as trailers.

All aboard for coverage

You can protect what’s on your boat, too. With a fishing equipment and personal effects endorsement, you can increase coverage limits for items like fishing gear, water sports equipment, coolers and more.

Smart sailing

Inexperienced or inattentive operators are the leading contributors to boating accidents. So stay safe, and stay alert. Much like teens and driver’s ed courses, taking a boating class can help you reduce not just your insurance premium, but the risk of getting in an accident.

It’s kind of like a canopy

Once your boat is out of the water, its insured status can get vague. For instance, if you are driving your boat on a trailer, and get into an accident, the coverage in your auto policy takes effect. However, your boat insurance often does not factor in. So, to make sure you are covered both in water and on land, consider an umbrella policy. It’s expanded liability coverage that can help protect you in this scenario (and plenty of high-cost scenarios not involving boats as well).

That’s a boatload of options

Talk to your independent insurance agent today to learn more about (water)crafting the right plan for your boat. The Hanover offers coverage affordable, and easy to add to your existing home and auto policy.

Navigating boat insurance

According to the National Marine Manufacturers Association, 141.6 million Americans go boating each year – that’s almost half the population of the U.S. Unfortunately, not every boater is going to be as conscientious as you, and that’s why it’s important to stay safe, and stay covered with watercraft insurance.

Do I need it?

Yes. Some states legally require it, and a quick Internet search can reveal if yours does. But more importantly, without it, you could be on the hook for major costs related to liability or repairs in the event of an accident. If you ever have to make a claim, the average is $11,000.

How much do I need?

Similar to cars, boats lose value when in use. That’s why it’s important to remember these two terms: agreed value and market value. Insuring for market value factors in depreciation, and thus can be a money saver in terms of your premium. However, if you intend to replace your boat with something new in the event of a total loss, you’ll want to insure it for its agreed value, so you won’t have to go out-of-pocket to purchase a replacement.

Protection for your boat – and from others

According to the U.S. Coast Guard, the leading type of boating accident is collision with a recreational vehicle. That’s why it’s important to protect yourself against other vessels and operators who may not be carrying the right level of insurance. An uninsured and underinsured watercraft liability option provides coverage for a loss that you or other occupants of your watercraft experience from a claim involving an un-/underinsured boater.

More than just boats

You may regularly transport your boat from your home to a dock or marina. If so, boat insurance may help protect your trailers and other equipment, too. One example is a watercraft physical damage endorsement, which can provide physical damage coverage for eligible watercraft as well as trailers.

All aboard for coverage

You can protect what’s on your boat, too. With a fishing equipment and personal effects endorsement, you can increase coverage limits for items like fishing gear, water sports equipment, coolers and more.

Smart sailing

Inexperienced or inattentive operators are the leading contributors to boating accidents. So stay safe, and stay alert. Much like teens and driver’s ed courses, taking a boating class can help you reduce not just your insurance premium, but the risk of getting in an accident.

It’s kind of like a canopy

Once your boat is out of the water, its insured status can get vague. For instance, if you are driving your boat on a trailer, and get into an accident, the coverage in your auto policy takes effect. However, your boat insurance often does not factor in. So, to make sure you are covered both in water and on land, consider an umbrella policy. It’s expanded liability coverage that can help protect you in this scenario (and plenty of high-cost scenarios not involving boats as well).

That’s a boatload of options

Talk to your independent insurance agent today to learn more about (water)crafting the right plan for your boat. The Hanover offers coverage affordable, and easy to add to your existing home and auto policy.

Video

15 every day activities that suggest you need an umbrella policy

If you carry auto or homeowners insurance, you may be asking yourself… "do I really need an umbrella policy, too?" The short answer is yes.

An umbrella policy kicks in where your homeowners  and auto policies leave off – providing you with extra protection and peace of mind should the unexpected happen and a claim or lawsuit be filed against you.

Most of us participate in activities every day that put us at risk. Here are some real-life activities that signal you should carry an umbrella.

Do you?

  1. Drive a car
  2. Walk your dog in your neighborhood or local park
  3. Have teenagers who drive your car or their own
  4. Carpool with other families
  5. Watch your friends' children or utilize babysitters in your home for your children
  6. Entertain family and friends at your home
  7. Use social media or have a child who does
  8. Allow your children's friends to hang out at your house
  9. Own recreational vehicles like boats, motorcycles, jet skis, and golf carts
  10. Have a swimming pool or trampoline
  11. Employ a house cleaner
  12. Hire someone to cut your lawn or plow your driveway
  13. Order online and have packages delivered to your home
  14. Volunteer and/or serve on a board
  15. Coach, referee or umpire youth sports

According to Commongood.com, Americans file approximately 15 million civil lawsuits annually. With an umbrella policy of $1 million starting at about as little as $30 a month, it is one of the most cost-efficient ways to protect your family and assets. Watch this short video to learn more about umbrella coverage.

How big of an umbrella do you need?

Use our online umbrella calculator to get an idea and then consult an independent insurance agent for additional guidance.

Disclaimer: This article is provided for informational purposes only and does not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice.

15 every day activities that suggest you need an umbrella policy

If you carry auto or homeowners insurance, you may be asking yourself… "do I really need an umbrella policy, too?" The short answer is yes.

An umbrella policy kicks in where your homeowners  and auto policies leave off – providing you with extra protection and peace of mind should the unexpected happen and a claim or lawsuit be filed against you.

Most of us participate in activities every day that put us at risk. Here are some real-life activities that signal you should carry an umbrella.

Do you?

  1. Drive a car
  2. Walk your dog in your neighborhood or local park
  3. Have teenagers who drive your car or their own
  4. Carpool with other families
  5. Watch your friends' children or utilize babysitters in your home for your children
  6. Entertain family and friends at your home
  7. Use social media or have a child who does
  8. Allow your children's friends to hang out at your house
  9. Own recreational vehicles like boats, motorcycles, jet skis, and golf carts
  10. Have a swimming pool or trampoline
  11. Employ a house cleaner
  12. Hire someone to cut your lawn or plow your driveway
  13. Order online and have packages delivered to your home
  14. Volunteer and/or serve on a board
  15. Coach, referee or umpire youth sports

According to Commongood.com, Americans file approximately 15 million civil lawsuits annually. With an umbrella policy of $1 million starting at about as little as $30 a month, it is one of the most cost-efficient ways to protect your family and assets. Watch this short video to learn more about umbrella coverage.

How big of an umbrella do you need?

Use our online umbrella calculator to get an idea and then consult an independent insurance agent for additional guidance.

Disclaimer: This article is provided for informational purposes only and does not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice.

15 every day activities that suggest you need an umbrella policy

If you carry auto or homeowners insurance, you may be asking yourself… "do I really need an umbrella policy, too?" The short answer is yes.

An umbrella policy kicks in where your homeowners  and auto policies leave off – providing you with extra protection and peace of mind should the unexpected happen and a claim or lawsuit be filed against you.

Most of us participate in activities every day that put us at risk. Here are some real-life activities that signal you should carry an umbrella.

Do you?

  1. Drive a car
  2. Walk your dog in your neighborhood or local park
  3. Have teenagers who drive your car or their own
  4. Carpool with other families
  5. Watch your friends' children or utilize babysitters in your home for your children
  6. Entertain family and friends at your home
  7. Use social media or have a child who does
  8. Allow your children's friends to hang out at your house
  9. Own recreational vehicles like boats, motorcycles, jet skis, and golf carts
  10. Have a swimming pool or trampoline
  11. Employ a house cleaner
  12. Hire someone to cut your lawn or plow your driveway
  13. Order online and have packages delivered to your home
  14. Volunteer and/or serve on a board
  15. Coach, referee or umpire youth sports

According to Commongood.com, Americans file approximately 15 million civil lawsuits annually. With an umbrella policy of $1 million starting at about as little as $30 a month, it is one of the most cost-efficient ways to protect your family and assets. Watch this short video to learn more about umbrella coverage.

How big of an umbrella do you need?

Use our online umbrella calculator to get an idea and then consult an independent insurance agent for additional guidance.

Disclaimer: This article is provided for informational purposes only and does not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice.

15 every day activities that suggest you need an umbrella policy

If you carry auto or homeowners insurance, you may be asking yourself… "do I really need an umbrella policy, too?" The short answer is yes.

An umbrella policy kicks in where your homeowners  and auto policies leave off – providing you with extra protection and peace of mind should the unexpected happen and a claim or lawsuit be filed against you.

Most of us participate in activities every day that put us at risk. Here are some real-life activities that signal you should carry an umbrella.

Do you?

  1. Drive a car
  2. Walk your dog in your neighborhood or local park
  3. Have teenagers who drive your car or their own
  4. Carpool with other families
  5. Watch your friends' children or utilize babysitters in your home for your children
  6. Entertain family and friends at your home
  7. Use social media or have a child who does
  8. Allow your children's friends to hang out at your house
  9. Own recreational vehicles like boats, motorcycles, jet skis, and golf carts
  10. Have a swimming pool or trampoline
  11. Employ a house cleaner
  12. Hire someone to cut your lawn or plow your driveway
  13. Order online and have packages delivered to your home
  14. Volunteer and/or serve on a board
  15. Coach, referee or umpire youth sports

According to Commongood.com, Americans file approximately 15 million civil lawsuits annually. With an umbrella policy of $1 million starting at about as little as $30 a month, it is one of the most cost-efficient ways to protect your family and assets. Watch this short video to learn more about umbrella coverage.

How big of an umbrella do you need?

Use our online umbrella calculator to get an idea and then consult an independent insurance agent for additional guidance.

Disclaimer: This article is provided for informational purposes only and does not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice.

Video

The answers to all your questions about car insurance

What does my auto insurance policy cover? Am I covered properly?

Individual auto insurance policies can be tailored to meet each customer’s needs. A typical auto policy usually covers collision and liability, with limits that make sense for you. Your independent insurance agent can provide you with a detailed breakdown of your auto insurance policy.

Does my auto insurance cover me if I rent a car?

When you rent a car, the rental company will usually offer liability and damage coverage through insurance that you can purchase from the company. It isn’t always necessary to purchase this coverage, as most standard auto policies extend their coverage limits to any vehicle driven on occasion. Whether or not you are covered will vary policy to policy

The Hanover’s Platinum Auto Elite makes sure you’re covered. With this feature, if you have an accident in a rented auto, The Hanover will pay (in addition to paying for the damage to the rented auto):

  • Loss-of-use: The rental value of the duration the car is out of service for which you are liable
  • Diminished value: The difference in the car’s resale value after it has been repaired
  • Reasonable fees: The expenses the rental company incurs processing the claim for which you are liable

Talk to your independent agent about your personal car insurance policy before you rent a car, so you can potentially avoid unnecessary charges.

Does my auto insurance cover damages if I lend my car to someone else?

Your auto insurance policy is for the car, not the driver, meaning your auto insurance will cover damages incurred by a friend or family member borrowing your car, up to your policy limit. The driver’s auto insurance serves as secondary coverage, kicking in after the limits of your policy have already been reached.

Why did my auto rates go up when I haven't had a claim and my car is getting older?

Auto insurance rates fluctuate, driven by a variety of factors. There are more cars on the road than ever before, leading to an increase in accidents and in costly claims, and an industry-wide rise in car insurance rates. Take a deeper look at some of the many factors driving the rate fluctuations in auto coverage with our interactive infographic.

What is required by my state for auto insurance coverage?

Auto insurance requirements vary by state. Visit dmv.org and choose your state to see your specific car insurance requirements.

How much auto insurance do I need?

Your auto insurance needs depend on a variety of factors. Minimum requirements are set by your state of residence, but it’s important to keep in mind your driving habits, the age of your car and if you want a higher or lower deductible, among other factors. For example, if you have a newer vehicle, you may want to consider new car replacement or original equipment manufacturer parts coverage. Contact an independent insurance agent to help tailor a policy to suit your needs.

Looking for insurance guidance?

Find an agent in your area.

 

Will my auto insurance pay for a rental if my car is in the shop?

Your auto insurance will pay for the cost of a rental only if you selected rental reimbursement coverage in your policy. The Hanover’s Ultimate Rental feature pays your daily rental limit for as long as it takes to repair or replace your vehicle, up to $3,000. You can also add a rental coverage upgrade endorsement, which allows you to choose a luxury car or large SUV rental. Talk to your insurance agent to discuss your auto policy options for rental car coverage.*

Am I covered if my car breaks down?

Your auto policy generally won’t cover a car’s mechanical failure, if it’s not due to a collision or vandalism. If your car breaks down, check to see if it’s still under warranty to save on repairs.

What coverage do I need if my car is leased?

When you lease a car, you’re driving a vehicle that belongs to someone else and you will need to have your own insurance policy. Generally, a lessee needs to have liability, collision and comprehensive insurance, often with higher limits than a car owner would typically have. The requirements vary by state, so consult with your independent insurance agent to find out exactly what you need.

What’s the difference between liability and full coverage insurance?

Liability coverage auto insurance insures against the damage you could cause to other people or their property in the event of an accident for which you are at fault. Full coverage auto insurance includes liability, but also includes collision and comprehensive coverage. Collision coverage covers the cost of damage to your vehicle in a collision for which you are at fault. Comprehensive coverage covers damage to your vehicle caused by weather, theft, animals, vandalism or other non-collision events.

How much does auto insurance cost? What factors affect my rates?

Your auto insurance premium is dependent upon a variety of factors. Variables include location, vehicle and personal driving habits, among others. Your premium will also depend on your coverage selections. Contact an independent insurance agent for a personalized quote.

How can I get discounts on my auto insurance?

Many insurance companies offer different types of discounts on auto insurance. The Hanover offers a variety of discounts on auto insurance, including:

  • Paid-in-full discount on new auto policies
  • Anti-theft devices discounts
  • Safety features
  • Multi-car discount
  • Safeteen
  • Prior carrier discount
  • Good student discount
  • Student away at school discount

Many insurance companies also offer a discount when both your auto and home premiums are insured with the same carrier. Talk to your independent insurance agent to learn more about discounts.*

*Credit and discount availability varies by state

The answers to all your questions about car insurance

What does my auto insurance policy cover? Am I covered properly?

Individual auto insurance policies can be tailored to meet each customer’s needs. A typical auto policy usually covers collision and liability, with limits that make sense for you. Your independent insurance agent can provide you with a detailed breakdown of your auto insurance policy.

Does my auto insurance cover me if I rent a car?

When you rent a car, the rental company will usually offer liability and damage coverage through insurance that you can purchase from the company. It isn’t always necessary to purchase this coverage, as most standard auto policies extend their coverage limits to any vehicle driven on occasion. Whether or not you are covered will vary policy to policy

The Hanover’s Platinum Auto Elite makes sure you’re covered. With this feature, if you have an accident in a rented auto, The Hanover will pay (in addition to paying for the damage to the rented auto):

  • Loss-of-use: The rental value of the duration the car is out of service for which you are liable
  • Diminished value: The difference in the car’s resale value after it has been repaired
  • Reasonable fees: The expenses the rental company incurs processing the claim for which you are liable

Talk to your independent agent about your personal car insurance policy before you rent a car, so you can potentially avoid unnecessary charges.

Does my auto insurance cover damages if I lend my car to someone else?

Your auto insurance policy is for the car, not the driver, meaning your auto insurance will cover damages incurred by a friend or family member borrowing your car, up to your policy limit. The driver’s auto insurance serves as secondary coverage, kicking in after the limits of your policy have already been reached.

Why did my auto rates go up when I haven't had a claim and my car is getting older?

Auto insurance rates fluctuate, driven by a variety of factors. There are more cars on the road than ever before, leading to an increase in accidents and in costly claims, and an industry-wide rise in car insurance rates. Take a deeper look at some of the many factors driving the rate fluctuations in auto coverage with our interactive infographic.

What is required by my state for auto insurance coverage?

Auto insurance requirements vary by state. Visit dmv.org and choose your state to see your specific car insurance requirements.

How much auto insurance do I need?

Your auto insurance needs depend on a variety of factors. Minimum requirements are set by your state of residence, but it’s important to keep in mind your driving habits, the age of your car and if you want a higher or lower deductible, among other factors. For example, if you have a newer vehicle, you may want to consider new car replacement or original equipment manufacturer parts coverage. Contact an independent insurance agent to help tailor a policy to suit your needs.

Looking for insurance guidance?

Find an agent in your area.

 

Will my auto insurance pay for a rental if my car is in the shop?

Your auto insurance will pay for the cost of a rental only if you selected rental reimbursement coverage in your policy. The Hanover’s Ultimate Rental feature pays your daily rental limit for as long as it takes to repair or replace your vehicle, up to $3,000. You can also add a rental coverage upgrade endorsement, which allows you to choose a luxury car or large SUV rental. Talk to your insurance agent to discuss your auto policy options for rental car coverage.*

Am I covered if my car breaks down?

Your auto policy generally won’t cover a car’s mechanical failure, if it’s not due to a collision or vandalism. If your car breaks down, check to see if it’s still under warranty to save on repairs.

What coverage do I need if my car is leased?

When you lease a car, you’re driving a vehicle that belongs to someone else and you will need to have your own insurance policy. Generally, a lessee needs to have liability, collision and comprehensive insurance, often with higher limits than a car owner would typically have. The requirements vary by state, so consult with your independent insurance agent to find out exactly what you need.

What’s the difference between liability and full coverage insurance?

Liability coverage auto insurance insures against the damage you could cause to other people or their property in the event of an accident for which you are at fault. Full coverage auto insurance includes liability, but also includes collision and comprehensive coverage. Collision coverage covers the cost of damage to your vehicle in a collision for which you are at fault. Comprehensive coverage covers damage to your vehicle caused by weather, theft, animals, vandalism or other non-collision events.

How much does auto insurance cost? What factors affect my rates?

Your auto insurance premium is dependent upon a variety of factors. Variables include location, vehicle and personal driving habits, among others. Your premium will also depend on your coverage selections. Contact an independent insurance agent for a personalized quote.

How can I get discounts on my auto insurance?

Many insurance companies offer different types of discounts on auto insurance. The Hanover offers a variety of discounts on auto insurance, including:

  • Paid-in-full discount on new auto policies
  • Anti-theft devices discounts
  • Safety features
  • Multi-car discount
  • Safeteen
  • Prior carrier discount
  • Good student discount
  • Student away at school discount

Many insurance companies also offer a discount when both your auto and home premiums are insured with the same carrier. Talk to your independent insurance agent to learn more about discounts.*

*Credit and discount availability varies by state

The answers to all your questions about car insurance

What does my auto insurance policy cover? Am I covered properly?

Individual auto insurance policies can be tailored to meet each customer’s needs. A typical auto policy usually covers collision and liability, with limits that make sense for you. Your independent insurance agent can provide you with a detailed breakdown of your auto insurance policy.

Does my auto insurance cover me if I rent a car?

When you rent a car, the rental company will usually offer liability and damage coverage through insurance that you can purchase from the company. It isn’t always necessary to purchase this coverage, as most standard auto policies extend their coverage limits to any vehicle driven on occasion. Whether or not you are covered will vary policy to policy

The Hanover’s Platinum Auto Elite makes sure you’re covered. With this feature, if you have an accident in a rented auto, The Hanover will pay (in addition to paying for the damage to the rented auto):

  • Loss-of-use: The rental value of the duration the car is out of service for which you are liable
  • Diminished value: The difference in the car’s resale value after it has been repaired
  • Reasonable fees: The expenses the rental company incurs processing the claim for which you are liable

Talk to your independent agent about your personal car insurance policy before you rent a car, so you can potentially avoid unnecessary charges.

Does my auto insurance cover damages if I lend my car to someone else?

Your auto insurance policy is for the car, not the driver, meaning your auto insurance will cover damages incurred by a friend or family member borrowing your car, up to your policy limit. The driver’s auto insurance serves as secondary coverage, kicking in after the limits of your policy have already been reached.

Why did my auto rates go up when I haven't had a claim and my car is getting older?

Auto insurance rates fluctuate, driven by a variety of factors. There are more cars on the road than ever before, leading to an increase in accidents and in costly claims, and an industry-wide rise in car insurance rates. Take a deeper look at some of the many factors driving the rate fluctuations in auto coverage with our interactive infographic.

What is required by my state for auto insurance coverage?

Auto insurance requirements vary by state. Visit dmv.org and choose your state to see your specific car insurance requirements.

How much auto insurance do I need?

Your auto insurance needs depend on a variety of factors. Minimum requirements are set by your state of residence, but it’s important to keep in mind your driving habits, the age of your car and if you want a higher or lower deductible, among other factors. For example, if you have a newer vehicle, you may want to consider new car replacement or original equipment manufacturer parts coverage. Contact an independent insurance agent to help tailor a policy to suit your needs.

Looking for insurance guidance?

Find an agent in your area.

 

Will my auto insurance pay for a rental if my car is in the shop?

Your auto insurance will pay for the cost of a rental only if you selected rental reimbursement coverage in your policy. The Hanover’s Ultimate Rental feature pays your daily rental limit for as long as it takes to repair or replace your vehicle, up to $3,000. You can also add a rental coverage upgrade endorsement, which allows you to choose a luxury car or large SUV rental. Talk to your insurance agent to discuss your auto policy options for rental car coverage.*

Am I covered if my car breaks down?

Your auto policy generally won’t cover a car’s mechanical failure, if it’s not due to a collision or vandalism. If your car breaks down, check to see if it’s still under warranty to save on repairs.

What coverage do I need if my car is leased?

When you lease a car, you’re driving a vehicle that belongs to someone else and you will need to have your own insurance policy. Generally, a lessee needs to have liability, collision and comprehensive insurance, often with higher limits than a car owner would typically have. The requirements vary by state, so consult with your independent insurance agent to find out exactly what you need.

What’s the difference between liability and full coverage insurance?

Liability coverage auto insurance insures against the damage you could cause to other people or their property in the event of an accident for which you are at fault. Full coverage auto insurance includes liability, but also includes collision and comprehensive coverage. Collision coverage covers the cost of damage to your vehicle in a collision for which you are at fault. Comprehensive coverage covers damage to your vehicle caused by weather, theft, animals, vandalism or other non-collision events.

How much does auto insurance cost? What factors affect my rates?

Your auto insurance premium is dependent upon a variety of factors. Variables include location, vehicle and personal driving habits, among others. Your premium will also depend on your coverage selections. Contact an independent insurance agent for a personalized quote.

How can I get discounts on my auto insurance?

Many insurance companies offer different types of discounts on auto insurance. The Hanover offers a variety of discounts on auto insurance, including:

  • Paid-in-full discount on new auto policies
  • Anti-theft devices discounts
  • Safety features
  • Multi-car discount
  • Safeteen
  • Prior carrier discount
  • Good student discount
  • Student away at school discount

Many insurance companies also offer a discount when both your auto and home premiums are insured with the same carrier. Talk to your independent insurance agent to learn more about discounts.*

*Credit and discount availability varies by state

The answers to all your questions about car insurance

What does my auto insurance policy cover? Am I covered properly?

Individual auto insurance policies can be tailored to meet each customer’s needs. A typical auto policy usually covers collision and liability, with limits that make sense for you. Your independent insurance agent can provide you with a detailed breakdown of your auto insurance policy.

Does my auto insurance cover me if I rent a car?

When you rent a car, the rental company will usually offer liability and damage coverage through insurance that you can purchase from the company. It isn’t always necessary to purchase this coverage, as most standard auto policies extend their coverage limits to any vehicle driven on occasion. Whether or not you are covered will vary policy to policy

The Hanover’s Platinum Auto Elite makes sure you’re covered. With this feature, if you have an accident in a rented auto, The Hanover will pay (in addition to paying for the damage to the rented auto):

  • Loss-of-use: The rental value of the duration the car is out of service for which you are liable
  • Diminished value: The difference in the car’s resale value after it has been repaired
  • Reasonable fees: The expenses the rental company incurs processing the claim for which you are liable

Talk to your independent agent about your personal car insurance policy before you rent a car, so you can potentially avoid unnecessary charges.

Does my auto insurance cover damages if I lend my car to someone else?

Your auto insurance policy is for the car, not the driver, meaning your auto insurance will cover damages incurred by a friend or family member borrowing your car, up to your policy limit. The driver’s auto insurance serves as secondary coverage, kicking in after the limits of your policy have already been reached.

Why did my auto rates go up when I haven't had a claim and my car is getting older?

Auto insurance rates fluctuate, driven by a variety of factors. There are more cars on the road than ever before, leading to an increase in accidents and in costly claims, and an industry-wide rise in car insurance rates. Take a deeper look at some of the many factors driving the rate fluctuations in auto coverage with our interactive infographic.

What is required by my state for auto insurance coverage?

Auto insurance requirements vary by state. Visit dmv.org and choose your state to see your specific car insurance requirements.

How much auto insurance do I need?

Your auto insurance needs depend on a variety of factors. Minimum requirements are set by your state of residence, but it’s important to keep in mind your driving habits, the age of your car and if you want a higher or lower deductible, among other factors. For example, if you have a newer vehicle, you may want to consider new car replacement or original equipment manufacturer parts coverage. Contact an independent insurance agent to help tailor a policy to suit your needs.

Looking for insurance guidance?

Find an agent in your area.

 

Will my auto insurance pay for a rental if my car is in the shop?

Your auto insurance will pay for the cost of a rental only if you selected rental reimbursement coverage in your policy. The Hanover’s Ultimate Rental feature pays your daily rental limit for as long as it takes to repair or replace your vehicle, up to $3,000. You can also add a rental coverage upgrade endorsement, which allows you to choose a luxury car or large SUV rental. Talk to your insurance agent to discuss your auto policy options for rental car coverage.*

Am I covered if my car breaks down?

Your auto policy generally won’t cover a car’s mechanical failure, if it’s not due to a collision or vandalism. If your car breaks down, check to see if it’s still under warranty to save on repairs.

What coverage do I need if my car is leased?

When you lease a car, you’re driving a vehicle that belongs to someone else and you will need to have your own insurance policy. Generally, a lessee needs to have liability, collision and comprehensive insurance, often with higher limits than a car owner would typically have. The requirements vary by state, so consult with your independent insurance agent to find out exactly what you need.

What’s the difference between liability and full coverage insurance?

Liability coverage auto insurance insures against the damage you could cause to other people or their property in the event of an accident for which you are at fault. Full coverage auto insurance includes liability, but also includes collision and comprehensive coverage. Collision coverage covers the cost of damage to your vehicle in a collision for which you are at fault. Comprehensive coverage covers damage to your vehicle caused by weather, theft, animals, vandalism or other non-collision events.

How much does auto insurance cost? What factors affect my rates?

Your auto insurance premium is dependent upon a variety of factors. Variables include location, vehicle and personal driving habits, among others. Your premium will also depend on your coverage selections. Contact an independent insurance agent for a personalized quote.

How can I get discounts on my auto insurance?

Many insurance companies offer different types of discounts on auto insurance. The Hanover offers a variety of discounts on auto insurance, including:

  • Paid-in-full discount on new auto policies
  • Anti-theft devices discounts
  • Safety features
  • Multi-car discount
  • Safeteen
  • Prior carrier discount
  • Good student discount
  • Student away at school discount

Many insurance companies also offer a discount when both your auto and home premiums are insured with the same carrier. Talk to your independent insurance agent to learn more about discounts.*

*Credit and discount availability varies by state

Infographic

Light up your home safely for the holidays


Planning to string some lights this holiday season? Use these tips to light your home and tree safely.

Give yourself the gift of peace of mind. Talk to your independent insurance agent about home insurance options to ensure you have the proper coverage and limits in place should the unexpected occur.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. The Hanover Insurance Company and its affiliates and subsidiaries ("The Hanover") specifically disclaim any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with The Hanover. By providing this information to you. The Hanover does not assume (and specifically disclaims) any duty, undertaking or responsibility to you. The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

LC 2018-453

 

Light up your home safely for the holidays


Planning to string some lights this holiday season? Use these tips to light your home and tree safely.

Give yourself the gift of peace of mind. Talk to your independent insurance agent about home insurance options to ensure you have the proper coverage and limits in place should the unexpected occur.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. The Hanover Insurance Company and its affiliates and subsidiaries ("The Hanover") specifically disclaim any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with The Hanover. By providing this information to you. The Hanover does not assume (and specifically disclaims) any duty, undertaking or responsibility to you. The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

LC 2018-453

 

Light up your home safely for the holidays

Safety tips for lighting your home for the holidays


Planning to string some lights this holiday season? Use these tips to light your home and tree safely.

Give yourself the gift of peace of mind. Talk to your independent insurance agent about home insurance options to ensure you have the proper coverage and limits in place should the unexpected occur.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. The Hanover Insurance Company and its affiliates and subsidiaries ("The Hanover") specifically disclaim any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with The Hanover. By providing this information to you. The Hanover does not assume (and specifically disclaims) any duty, undertaking or responsibility to you. The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

LC 2018-453

 

Infographic transcript

'Tis the season...to decorate safely

Light up your home safely:

Replace or repair damaged light sets. Do not connect more than three light strands together, or 50 screw-in bulbs.  If you're using an extension cord, heavy gauge is best. Make sure cords aren't being damaged by doors, windows or heavy furniture. 

Check for: 

A label from Underwriters Laboratories (UL). Cracked sockets, frayed or exposed wires, and loose bulbs. 

Be prepared.

Test your smoke alarms. Have a fire extinguisher nearby.

 

 

Light up your home safely for the holidays

Safety tips for lighting your home for the holidays


Planning to string some lights this holiday season? Use these tips to light your home and tree safely.

Give yourself the gift of peace of mind. Talk to your independent insurance agent about home insurance options to ensure you have the proper coverage and limits in place should the unexpected occur.

The recommendation(s), advice and contents of this material are provided for informational purposes only and do not purport to address every possible legal obligation, hazard, code violation, loss potential or exception to good practice. The Hanover Insurance Company and its affiliates and subsidiaries ("The Hanover") specifically disclaim any warranty or representation that acceptance of any recommendations or advice contained herein will make any premises, property or operation safe or in compliance with any law or regulation. Under no circumstances should this material or your acceptance of any recommendations or advice contained herein be construed as establishing the existence or availability of any insurance coverage with The Hanover. By providing this information to you. The Hanover does not assume (and specifically disclaims) any duty, undertaking or responsibility to you. The decision to accept or implement any recommendation(s) or advice contained in this material must be made by you.

LC 2018-453

 

Article

Hurricane preparedness

The word hurricane has become synonymous with violence, strength and speed. With winds higher than 74 mph, rains up to a foot, and storm surges that can push the ocean 10-25 feet above its normal tide levels, hurricanes can have devastating results on those who are not prepared.

Just a reminder: Don’t wait for a Hurricane to develop before you begin emergency preparations. Take steps ahead of time to help reduce the risk of damage to your home and property.

Additional resources

 

Preventive maintenance

Contact your agent for a periodic review of your insurance coverage to ensure you have the right amount of protection should you ever need to rebuild after a storm.

Research the current building code requirements for high-wind regions to determine if your property complies. Structures built to meet or exceed current model building codes of high-wind provisions run a better risk of surviving violent winds associated with a hurricane.

Trim trees and shrubbery. Cut all weak branches and trees that might possibly fall on a home or building.

When replacing existing windows, consider installing impact resistant window systems.

Install impact-resistant shutters which can be closed over existing windows reduce the risk of glass breakage.

Patio doors or sliding glass doors are extremely susceptible to damage from high winds. When building new or replacing patio doors, use impact-resistant doors made of laminated glass, a combination of plastic and glass or plastic glazing.

Garage doors should be examined by a qualified inspector to determine if they need to be replaced with stronger type or have permanent wood or metal stiffeners installed.

Check the end wall of all gable roofs to ensure they are braced properly against damaging wind.

If you are installing a new roof, hire a qualified contractor who will take the appropriate steps to ensure the new roof covering and sheathing it is attached to will be able to resist high wind damage.

Before the storm

A hurricane watch indicates that a hurricane may threaten your area generally within 36 to 48 hours.

  • Listen to advisories on the TV or radio. Official announcements and special instructions will be announced this way and should always be taken seriously.
  • Check your emergency supplies and make sure your flashlights and portable radio work and that you have enough batteries, water and canned goods. Also, gather the tools and materials that you might need to fix leaks or to use as shutters.
  • Fill your car's gas tank. You will need gas if you have to evacuate and at that point, it is likely that the gas stations will have lost power due to the storm.
  • Bring in all items from the outside of your house, such as lawn furniture and toys, which could potentially be dangerous flying objects. Make sure sheds and similar detached structures are secured.

A hurricane warning means that a hurricane is expected to hit your area within 24 hours.

  • Board or shutter glass windows to protect them from wind pressure. Select one window or door on the side of your house opposite the prevailing wind that you can open to reduce pressure, if necessary.
  • Check your supplies one more time and fill your bathtub with extra water. Turn your refrigerator to its coldest setting. Much of the food will remain edible for days if the power goes out.
During the hurricane
  • Find shelter immediately and evacuate motor vehicles or motor homes. The safest place is an inside room or the center of a room.
  • To reduce pressure, open a window or door on the opposite side of your house facing the wind. Then stay away from all windows.
  • Turn off electricity if flooding begins and keep the refrigerator door closed to conserve food.
  • Beware of the calm "eye" of the storm that can pass over your home, causing the wind to drop to near calm for as long as a half-hour. Stay indoors during this time because the wind will still return and possibly with greater force.
Make a plan

Take the time to ensure your family’s safety during the storm. Time is of the essence once a warning is announced, and you'll want to prepare in advance.

Select the best place to gather your family during a hurricane. Determine the best escape routes and confirm the location of the nearest shelters.

Keep emergency numbers by the phone including police, fire, ambulance, and schools.

Make copies of important documents such as; will, mortgage, insurance policies, insurance cards. Place them in a waterproof container so they can be accessible and easily transported should you need to leave your home.

Stock emergency supplies. You should have enough food and water for your family and pets for three or four days. Store water in clean plastic containers and avoid glass or empty bleach or detergent bottles. Keep in mind that adults need one quart of water per day to survive.

When stocking food, aim to have a full week’s supply of canned food that requires little water and can be eaten with little or no preparation. Don’t forget the manual can opener! Remember that infants and those with illnesses will require special foods.

Additional supplies to have handy would include:

  • Battery-powered radio and flashlights (with extra batteries for both)
  • Tools, blankets and clothing
  • Fire extinguisher, candles and matches
  • A pail with cover, boards, plastic sheeting and tape
  • All special medications like insulin and heart tablets

Be prepared to give first aid. Have a first-aid kit and handbook with your emergency supplies and consider enrolling in a course. Although first aid procedures are not a substitute for qualified medical treatment, you will learn to do things that could make an important difference when help is not readily available.

Repair loose boards, shingles and shutters and all other things that could become a greater problem in high wind.

If you must evacuate

Your house may be the safest place to be if it is away from the shore but if authorities tell you to evacuate, do so immediately and follow their instructions. Avoid mobile homes during hurricanes. Take care of the following matters before you go.

  • Turn off all utilities including gas, water, and electricity.
  • Leave your pets at home in a secure place with food and water for at least a few days.
  • Tightly lock your home’s doors and windows, including the ones on the second floor.
  • Leave a message for authorities that says where you are going and who is with you.
  • Take along food and water, vital medicines, important papers, a first-aid kit, sleeping bags and blankets, supplies, a flashlight, a radio, a change of clothes and cash. If you are going to a shelter, leave alcohol, smoking materials and pets at home.
  • Follow the recommended routes, and do not take shortcuts. Keep your radio on at all times.
After it's over
  • Stay calm and don’t panic. Check to be sure all family members are safe, and administer first aid if necessary. Locate all of your survival supplies.
  • Stay at home unless ordered to evacuate the area, and listen to your battery-operated or car radio for emergency instructions. Do not drive.
  • Check all utilities and turn them off if you suspect damage. Do not turn them back on yourself. Typically, you can turn your gas and water shut-offs with the same wrench. In case electric wires are shorting or if you suspect there is damaged or wet wiring, turn off the main switch.
  • If you smell gas, open the windows, turn off the main valve and don’t use lights or appliances until the gas has dissipated. Call your gas company to restore service after the storm.
  • Stay away from damaged or weakened walls, and wear shoes around all debris.
  • Keep all family members away from fallen power lines.

 

Hurricane preparedness

The word hurricane has become synonymous with violence, strength and speed. With winds higher than 74 mph, rains up to a foot, and storm surges that can push the ocean 10-25 feet above its normal tide levels, hurricanes can have devastating results on those who are not prepared.

Just a reminder: Don’t wait for a Hurricane to develop before you begin emergency preparations. Take steps ahead of time to help reduce the risk of damage to your home and property.

Additional resources

 

Preventive maintenance

Contact your agent for a periodic review of your insurance coverage to ensure you have the right amount of protection should you ever need to rebuild after a storm.

Research the current building code requirements for high-wind regions to determine if your property complies. Structures built to meet or exceed current model building codes of high-wind provisions run a better risk of surviving violent winds associated with a hurricane.

Trim trees and shrubbery. Cut all weak branches and trees that might possibly fall on a home or building.

When replacing existing windows, consider installing impact resistant window systems.

Install impact-resistant shutters which can be closed over existing windows reduce the risk of glass breakage.

Patio doors or sliding glass doors are extremely susceptible to damage from high winds. When building new or replacing patio doors, use impact-resistant doors made of laminated glass, a combination of plastic and glass or plastic glazing.

Garage doors should be examined by a qualified inspector to determine if they need to be replaced with stronger type or have permanent wood or metal stiffeners installed.

Check the end wall of all gable roofs to ensure they are braced properly against damaging wind.

If you are installing a new roof, hire a qualified contractor who will take the appropriate steps to ensure the new roof covering and sheathing it is attached to will be able to resist high wind damage.

Before the storm

A hurricane watch indicates that a hurricane may threaten your area generally within 36 to 48 hours.

  • Listen to advisories on the TV or radio. Official announcements and special instructions will be announced this way and should always be taken seriously.
  • Check your emergency supplies and make sure your flashlights and portable radio work and that you have enough batteries, water and canned goods. Also, gather the tools and materials that you might need to fix leaks or to use as shutters.
  • Fill your car's gas tank. You will need gas if you have to evacuate and at that point, it is likely that the gas stations will have lost power due to the storm.
  • Bring in all items from the outside of your house, such as lawn furniture and toys, which could potentially be dangerous flying objects. Make sure sheds and similar detached structures are secured.

A hurricane warning means that a hurricane is expected to hit your area within 24 hours.

  • Board or shutter glass windows to protect them from wind pressure. Select one window or door on the side of your house opposite the prevailing wind that you can open to reduce pressure, if necessary.
  • Check your supplies one more time and fill your bathtub with extra water. Turn your refrigerator to its coldest setting. Much of the food will remain edible for days if the power goes out.
During the hurricane
  • Find shelter immediately and evacuate motor vehicles or motor homes. The safest place is an inside room or the center of a room.
  • To reduce pressure, open a window or door on the opposite side of your house facing the wind. Then stay away from all windows.
  • Turn off electricity if flooding begins and keep the refrigerator door closed to conserve food.
  • Beware of the calm "eye" of the storm that can pass over your home, causing the wind to drop to near calm for as long as a half-hour. Stay indoors during this time because the wind will still return and possibly with greater force.
Make a plan

Take the time to ensure your family’s safety during the storm. Time is of the essence once a warning is announced, and you'll want to prepare in advance.

Select the best place to gather your family during a hurricane. Determine the best escape routes and confirm the location of the nearest shelters.

Keep emergency numbers by the phone including police, fire, ambulance, and schools.

Make copies of important documents such as; will, mortgage, insurance policies, insurance cards. Place them in a waterproof container so they can be accessible and easily transported should you need to leave your home.

Stock emergency supplies. You should have enough food and water for your family and pets for three or four days. Store water in clean plastic containers and avoid glass or empty bleach or detergent bottles. Keep in mind that adults need one quart of water per day to survive.

When stocking food, aim to have a full week’s supply of canned food that requires little water and can be eaten with little or no preparation. Don’t forget the manual can opener! Remember that infants and those with illnesses will require special foods.

Additional supplies to have handy would include:

  • Battery-powered radio and flashlights (with extra batteries for both)
  • Tools, blankets and clothing
  • Fire extinguisher, candles and matches
  • A pail with cover, boards, plastic sheeting and tape
  • All special medications like insulin and heart tablets

Be prepared to give first aid. Have a first-aid kit and handbook with your emergency supplies and consider enrolling in a course. Although first aid procedures are not a substitute for qualified medical treatment, you will learn to do things that could make an important difference when help is not readily available.

Repair loose boards, shingles and shutters and all other things that could become a greater problem in high wind.

If you must evacuate

Your house may be the safest place to be if it is away from the shore but if authorities tell you to evacuate, do so immediately and follow their instructions. Avoid mobile homes during hurricanes. Take care of the following matters before you go.

  • Turn off all utilities including gas, water, and electricity.
  • Leave your pets at home in a secure place with food and water for at least a few days.
  • Tightly lock your home’s doors and windows, including the ones on the second floor.
  • Leave a message for authorities that says where you are going and who is with you.
  • Take along food and water, vital medicines, important papers, a first-aid kit, sleeping bags and blankets, supplies, a flashlight, a radio, a change of clothes and cash. If you are going to a shelter, leave alcohol, smoking materials and pets at home.
  • Follow the recommended routes, and do not take shortcuts. Keep your radio on at all times.
After it's over
  • Stay calm and don’t panic. Check to be sure all family members are safe, and administer first aid if necessary. Locate all of your survival supplies.
  • Stay at home unless ordered to evacuate the area, and listen to your battery-operated or car radio for emergency instructions. Do not drive.
  • Check all utilities and turn them off if you suspect damage. Do not turn them back on yourself. Typically, you can turn your gas and water shut-offs with the same wrench. In case electric wires are shorting or if you suspect there is damaged or wet wiring, turn off the main switch.
  • If you smell gas, open the windows, turn off the main valve and don’t use lights or appliances until the gas has dissipated. Call your gas company to restore service after the storm.
  • Stay away from damaged or weakened walls, and wear shoes around all debris.
  • Keep all family members away from fallen power lines.

 

Hurricane preparedness

The word hurricane has become synonymous with violence, strength and speed. With winds higher than 74 mph, rains up to a foot, and storm surges that can push the ocean 10-25 feet above its normal tide levels, hurricanes can have devastating results on those who are not prepared.

Just a reminder: Don’t wait for a Hurricane to develop before you begin emergency preparations. Take steps ahead of time to help reduce the risk of damage to your home and property.

Additional resources

 

Preventive maintenance

Contact your agent for a periodic review of your insurance coverage to ensure you have the right amount of protection should you ever need to rebuild after a storm.

Research the current building code requirements for high-wind regions to determine if your property complies. Structures built to meet or exceed current model building codes of high-wind provisions run a better risk of surviving violent winds associated with a hurricane.

Trim trees and shrubbery. Cut all weak branches and trees that might possibly fall on a home or building.

When replacing existing windows, consider installing impact resistant window systems.

Install impact-resistant shutters which can be closed over existing windows reduce the risk of glass breakage.

Patio doors or sliding glass doors are extremely susceptible to damage from high winds. When building new or replacing patio doors, use impact-resistant doors made of laminated glass, a combination of plastic and glass or plastic glazing.

Garage doors should be examined by a qualified inspector to determine if they need to be replaced with stronger type or have permanent wood or metal stiffeners installed.

Check the end wall of all gable roofs to ensure they are braced properly against damaging wind.

If you are installing a new roof, hire a qualified contractor who will take the appropriate steps to ensure the new roof covering and sheathing it is attached to will be able to resist high wind damage.

Before the storm

A hurricane watch indicates that a hurricane may threaten your area generally within 36 to 48 hours.

  • Listen to advisories on the TV or radio. Official announcements and special instructions will be announced this way and should always be taken seriously.
  • Check your emergency supplies and make sure your flashlights and portable radio work and that you have enough batteries, water and canned goods. Also, gather the tools and materials that you might need to fix leaks or to use as shutters.
  • Fill your car's gas tank. You will need gas if you have to evacuate and at that point, it is likely that the gas stations will have lost power due to the storm.
  • Bring in all items from the outside of your house, such as lawn furniture and toys, which could potentially be dangerous flying objects. Make sure sheds and similar detached structures are secured.

A hurricane warning means that a hurricane is expected to hit your area within 24 hours.

  • Board or shutter glass windows to protect them from wind pressure. Select one window or door on the side of your house opposite the prevailing wind that you can open to reduce pressure, if necessary.
  • Check your supplies one more time and fill your bathtub with extra water. Turn your refrigerator to its coldest setting. Much of the food will remain edible for days if the power goes out.
During the hurricane
  • Find shelter immediately and evacuate motor vehicles or motor homes. The safest place is an inside room or the center of a room.
  • To reduce pressure, open a window or door on the opposite side of your house facing the wind. Then stay away from all windows.
  • Turn off electricity if flooding begins and keep the refrigerator door closed to conserve food.
  • Beware of the calm "eye" of the storm that can pass over your home, causing the wind to drop to near calm for as long as a half-hour. Stay indoors during this time because the wind will still return and possibly with greater force.
Make a plan

Take the time to ensure your family’s safety during the storm. Time is of the essence once a warning is announced, and you'll want to prepare in advance.

Select the best place to gather your family during a hurricane. Determine the best escape routes and confirm the location of the nearest shelters.

Keep emergency numbers by the phone including police, fire, ambulance, and schools.

Make copies of important documents such as; will, mortgage, insurance policies, insurance cards. Place them in a waterproof container so they can be accessible and easily transported should you need to leave your home.

Stock emergency supplies. You should have enough food and water for your family and pets for three or four days. Store water in clean plastic containers and avoid glass or empty bleach or detergent bottles. Keep in mind that adults need one quart of water per day to survive.

When stocking food, aim to have a full week’s supply of canned food that requires little water and can be eaten with little or no preparation. Don’t forget the manual can opener! Remember that infants and those with illnesses will require special foods.

Additional supplies to have handy would include:

  • Battery-powered radio and flashlights (with extra batteries for both)
  • Tools, blankets and clothing
  • Fire extinguisher, candles and matches
  • A pail with cover, boards, plastic sheeting and tape
  • All special medications like insulin and heart tablets

Be prepared to give first aid. Have a first-aid kit and handbook with your emergency supplies and consider enrolling in a course. Although first aid procedures are not a substitute for qualified medical treatment, you will learn to do things that could make an important difference when help is not readily available.

Repair loose boards, shingles and shutters and all other things that could become a greater problem in high wind.

If you must evacuate

Your house may be the safest place to be if it is away from the shore but if authorities tell you to evacuate, do so immediately and follow their instructions. Avoid mobile homes during hurricanes. Take care of the following matters before you go.

  • Turn off all utilities including gas, water, and electricity.
  • Leave your pets at home in a secure place with food and water for at least a few days.
  • Tightly lock your home’s doors and windows, including the ones on the second floor.
  • Leave a message for authorities that says where you are going and who is with you.
  • Take along food and water, vital medicines, important papers, a first-aid kit, sleeping bags and blankets, supplies, a flashlight, a radio, a change of clothes and cash. If you are going to a shelter, leave alcohol, smoking materials and pets at home.
  • Follow the recommended routes, and do not take shortcuts. Keep your radio on at all times.
After it's over
  • Stay calm and don’t panic. Check to be sure all family members are safe, and administer first aid if necessary. Locate all of your survival supplies.
  • Stay at home unless ordered to evacuate the area, and listen to your battery-operated or car radio for emergency instructions. Do not drive.
  • Check all utilities and turn them off if you suspect damage. Do not turn them back on yourself. Typically, you can turn your gas and water shut-offs with the same wrench. In case electric wires are shorting or if you suspect there is damaged or wet wiring, turn off the main switch.
  • If you smell gas, open the windows, turn off the main valve and don’t use lights or appliances until the gas has dissipated. Call your gas company to restore service after the storm.
  • Stay away from damaged or weakened walls, and wear shoes around all debris.
  • Keep all family members away from fallen power lines.

 

Hurricane preparedness

The word hurricane has become synonymous with violence, strength and speed. With winds higher than 74 mph, rains up to a foot, and storm surges that can push the ocean 10-25 feet above its normal tide levels, hurricanes can have devastating results on those who are not prepared.

Just a reminder: Don’t wait for a Hurricane to develop before you begin emergency preparations. Take steps ahead of time to help reduce the risk of damage to your home and property.

Additional resources

 

Preventive maintenance

Contact your agent for a periodic review of your insurance coverage to ensure you have the right amount of protection should you ever need to rebuild after a storm.

Research the current building code requirements for high-wind regions to determine if your property complies. Structures built to meet or exceed current model building codes of high-wind provisions run a better risk of surviving violent winds associated with a hurricane.

Trim trees and shrubbery. Cut all weak branches and trees that might possibly fall on a home or building.

When replacing existing windows, consider installing impact resistant window systems.

Install impact-resistant shutters which can be closed over existing windows reduce the risk of glass breakage.

Patio doors or sliding glass doors are extremely susceptible to damage from high winds. When building new or replacing patio doors, use impact-resistant doors made of laminated glass, a combination of plastic and glass or plastic glazing.

Garage doors should be examined by a qualified inspector to determine if they need to be replaced with stronger type or have permanent wood or metal stiffeners installed.

Check the end wall of all gable roofs to ensure they are braced properly against damaging wind.

If you are installing a new roof, hire a qualified contractor who will take the appropriate steps to ensure the new roof covering and sheathing it is attached to will be able to resist high wind damage.

Before the storm

A hurricane watch indicates that a hurricane may threaten your area generally within 36 to 48 hours.

  • Listen to advisories on the TV or radio. Official announcements and special instructions will be announced this way and should always be taken seriously.
  • Check your emergency supplies and make sure your flashlights and portable radio work and that you have enough batteries, water and canned goods. Also, gather the tools and materials that you might need to fix leaks or to use as shutters.
  • Fill your car's gas tank. You will need gas if you have to evacuate and at that point, it is likely that the gas stations will have lost power due to the storm.
  • Bring in all items from the outside of your house, such as lawn furniture and toys, which could potentially be dangerous flying objects. Make sure sheds and similar detached structures are secured.

A hurricane warning means that a hurricane is expected to hit your area within 24 hours.

  • Board or shutter glass windows to protect them from wind pressure. Select one window or door on the side of your house opposite the prevailing wind that you can open to reduce pressure, if necessary.
  • Check your supplies one more time and fill your bathtub with extra water. Turn your refrigerator to its coldest setting. Much of the food will remain edible for days if the power goes out.
During the hurricane
  • Find shelter immediately and evacuate motor vehicles or motor homes. The safest place is an inside room or the center of a room.
  • To reduce pressure, open a window or door on the opposite side of your house facing the wind. Then stay away from all windows.
  • Turn off electricity if flooding begins and keep the refrigerator door closed to conserve food.
  • Beware of the calm "eye" of the storm that can pass over your home, causing the wind to drop to near calm for as long as a half-hour. Stay indoors during this time because the wind will still return and possibly with greater force.
Make a plan

Take the time to ensure your family’s safety during the storm. Time is of the essence once a warning is announced, and you'll want to prepare in advance.

Select the best place to gather your family during a hurricane. Determine the best escape routes and confirm the location of the nearest shelters.

Keep emergency numbers by the phone including police, fire, ambulance, and schools.

Make copies of important documents such as; will, mortgage, insurance policies, insurance cards. Place them in a waterproof container so they can be accessible and easily transported should you need to leave your home.

Stock emergency supplies. You should have enough food and water for your family and pets for three or four days. Store water in clean plastic containers and avoid glass or empty bleach or detergent bottles. Keep in mind that adults need one quart of water per day to survive.

When stocking food, aim to have a full week’s supply of canned food that requires little water and can be eaten with little or no preparation. Don’t forget the manual can opener! Remember that infants and those with illnesses will require special foods.

Additional supplies to have handy would include:

  • Battery-powered radio and flashlights (with extra batteries for both)
  • Tools, blankets and clothing
  • Fire extinguisher, candles and matches
  • A pail with cover, boards, plastic sheeting and tape
  • All special medications like insulin and heart tablets

Be prepared to give first aid. Have a first-aid kit and handbook with your emergency supplies and consider enrolling in a course. Although first aid procedures are not a substitute for qualified medical treatment, you will learn to do things that could make an important difference when help is not readily available.

Repair loose boards, shingles and shutters and all other things that could become a greater problem in high wind.

If you must evacuate

Your house may be the safest place to be if it is away from the shore but if authorities tell you to evacuate, do so immediately and follow their instructions. Avoid mobile homes during hurricanes. Take care of the following matters before you go.

  • Turn off all utilities including gas, water, and electricity.
  • Leave your pets at home in a secure place with food and water for at least a few days.
  • Tightly lock your home’s doors and windows, including the ones on the second floor.
  • Leave a message for authorities that says where you are going and who is with you.
  • Take along food and water, vital medicines, important papers, a first-aid kit, sleeping bags and blankets, supplies, a flashlight, a radio, a change of clothes and cash. If you are going to a shelter, leave alcohol, smoking materials and pets at home.
  • Follow the recommended routes, and do not take shortcuts. Keep your radio on at all times.
After it's over
  • Stay calm and don’t panic. Check to be sure all family members are safe, and administer first aid if necessary. Locate all of your survival supplies.
  • Stay at home unless ordered to evacuate the area, and listen to your battery-operated or car radio for emergency instructions. Do not drive.
  • Check all utilities and turn them off if you suspect damage. Do not turn them back on yourself. Typically, you can turn your gas and water shut-offs with the same wrench. In case electric wires are shorting or if you suspect there is damaged or wet wiring, turn off the main switch.
  • If you smell gas, open the windows, turn off the main valve and don’t use lights or appliances until the gas has dissipated. Call your gas company to restore service after the storm.
  • Stay away from damaged or weakened walls, and wear shoes around all debris.
  • Keep all family members away from fallen power lines.

 

Auto coverage
ELMORSE@HANOVER.COM

There are almost as many options for auto insurance as there are for autos themselves. Take a look at our coverage options to determine the best protection for you and your vehicle.

 

Accident forgiveness

Accidents happen and when they do, good drivers shouldn’t have to pay the price. With accident forgiveness, your first surchargeable accident in any 36-month period will be forgiven. That means no surcharge points and no increase in premium as a result of that accident.

Article

To reduce threat of lawsuits, “friend” risk management best practices

tech business person

By Toby Levy, Vice President, Technology

Facebook is the subject of a class action suit over claims that Facebook violated it's privacy agreement by accessing users’ private messages, scanning links sent in messages and sharing this activity with advertisers, data aggregators and marketers. The lawsuit demands $100 per user for each day of violation, or $10,000 per user.

Privacy concerns create risk for Tech companies

Privacy continues to be a hot button issue among consumers — and makes the headlines. The reality is that many of our activities offline, as well as online, are tracked: shopping habits are profiled via savings and loyalty cards; traffic cameras designed to catch violators watch our comings and goings; credit card companies profile and share users’ spending habits.

But as accusations of privacy violations continue to be launched, Tech companies that collect, store or share consumer data are at risk. Even if a consumer lawsuit is dismissed, defending a lawsuit can cost the firm thousands and ruin its reputation with negative publicity.

Tips for reducing for consumer liability

Here are some steps Tech companies can take to reduce their risk:

  • Understand privacy expectations – No matter the size of the firm, when collecting consumer data, consumers should be informed about how data will be used, whether it will be shared, and have a means to opt-out of data collection if they choose.
  • Review consumer-facing privacy notices often – In addition to ensuring that privacy notices are easy to find and understand, the policy should be reviewed often. For example, whenever a new partnership or marketing approach is developed, current privacy notices and terms and conditions should be reviewed by the legal team. Keeping records of “due diligence” will go a long way toward bolstering the defense against a consumer lawsuit.
  • Check the data security of partners – Don’t forget the cyberliability angle of privacy. Tech companies should make sure their partners have good practices to guard against data breach. When companies transfer personally identifiable information to a third-party, they still could be held liable if the partner accidentally loses or shares data or it is breached by hackers.
  • Evaluate Errors & Omissions coverage – Cases like the one against Facebook punctuate the need for Technology-specific Errors & Omissions coverage, a coverage that some Tech companies may resist. Help clients understand that the coverage will help to protect the company financially against accusations of privacy breach, and other lawsuits alleging financial injury to a third-party arising from their products or services.

To reduce threat of lawsuits, “friend” risk management best practices

By Toby Levy, Vice President, Technology

Facebook is the subject of a class action suit over claims that Facebook violated it's privacy agreement by accessing users’ private messages, scanning links sent in messages and sharing this activity with advertisers, data aggregators and marketers. The lawsuit demands $100 per user for each day of violation, or $10,000 per user.

Privacy concerns create risk for Tech companies

Privacy continues to be a hot button issue among consumers — and makes the headlines. The reality is that many of our activities offline, as well as online, are tracked: shopping habits are profiled via savings and loyalty cards; traffic cameras designed to catch violators watch our comings and goings; credit card companies profile and share users’ spending habits.

But as accusations of privacy violations continue to be launched, Tech companies that collect, store or share consumer data are at risk. Even if a consumer lawsuit is dismissed, defending a lawsuit can cost the firm thousands and ruin its reputation with negative publicity.

Tips for reducing for consumer liability

Here are some steps Tech companies can take to reduce their risk:

  • Understand privacy expectations – No matter the size of the firm, when collecting consumer data, consumers should be informed about how data will be used, whether it will be shared, and have a means to opt-out of data collection if they choose.
  • Review consumer-facing privacy notices often – In addition to ensuring that privacy notices are easy to find and understand, the policy should be reviewed often. For example, whenever a new partnership or marketing approach is developed, current privacy notices and terms and conditions should be reviewed by the legal team. Keeping records of “due diligence” will go a long way toward bolstering the defense against a consumer lawsuit.
  • Check the data security of partners – Don’t forget the cyberliability angle of privacy. Tech companies should make sure their partners have good practices to guard against data breach. When companies transfer personally identifiable information to a third-party, they still could be held liable if the partner accidentally loses or shares data or it is breached by hackers.
  • Evaluate Errors & Omissions coverage – Cases like the one against Facebook punctuate the need for Technology-specific Errors & Omissions coverage, a coverage that some Tech companies may resist. Help clients understand that the coverage will help to protect the company financially against accusations of privacy breach, and other lawsuits alleging financial injury to a third-party arising from their products or services.

To reduce threat of lawsuits, “friend” risk management best practices

By Toby Levy, Vice President, Technology

Facebook is the subject of a class action suit over claims that Facebook violated it's privacy agreement by accessing users’ private messages, scanning links sent in messages and sharing this activity with advertisers, data aggregators and marketers. The lawsuit demands $100 per user for each day of violation, or $10,000 per user.

Privacy concerns create risk for Tech companies

Privacy continues to be a hot button issue among consumers — and makes the headlines. The reality is that many of our activities offline, as well as online, are tracked: shopping habits are profiled via savings and loyalty cards; traffic cameras designed to catch violators watch our comings and goings; credit card companies profile and share users’ spending habits.

But as accusations of privacy violations continue to be launched, Tech companies that collect, store or share consumer data are at risk. Even if a consumer lawsuit is dismissed, defending a lawsuit can cost the firm thousands and ruin its reputation with negative publicity.

Tips for reducing for consumer liability

Here are some steps Tech companies can take to reduce their risk:

  • Understand privacy expectations – No matter the size of the firm, when collecting consumer data, consumers should be informed about how data will be used, whether it will be shared, and have a means to opt-out of data collection if they choose.
  • Review consumer-facing privacy notices often – In addition to ensuring that privacy notices are easy to find and understand, the policy should be reviewed often. For example, whenever a new partnership or marketing approach is developed, current privacy notices and terms and conditions should be reviewed by the legal team. Keeping records of “due diligence” will go a long way toward bolstering the defense against a consumer lawsuit.
  • Check the data security of partners – Don’t forget the cyberliability angle of privacy. Tech companies should make sure their partners have good practices to guard against data breach. When companies transfer personally identifiable information to a third-party, they still could be held liable if the partner accidentally loses or shares data or it is breached by hackers.
  • Evaluate Errors & Omissions coverage – Cases like the one against Facebook punctuate the need for Technology-specific Errors & Omissions coverage, a coverage that some Tech companies may resist. Help clients understand that the coverage will help to protect the company financially against accusations of privacy breach, and other lawsuits alleging financial injury to a third-party arising from their products or services.

To reduce threat of lawsuits, “friend” risk management best practices

By Toby Levy, Vice President, Technology

Facebook is the subject of a class action suit over claims that Facebook violated it's privacy agreement by accessing users’ private messages, scanning links sent in messages and sharing this activity with advertisers, data aggregators and marketers. The lawsuit demands $100 per user for each day of violation, or $10,000 per user.

Privacy concerns create risk for Tech companies

Privacy continues to be a hot button issue among consumers — and makes the headlines. The reality is that many of our activities offline, as well as online, are tracked: shopping habits are profiled via savings and loyalty cards; traffic cameras designed to catch violators watch our comings and goings; credit card companies profile and share users’ spending habits.

But as accusations of privacy violations continue to be launched, Tech companies that collect, store or share consumer data are at risk. Even if a consumer lawsuit is dismissed, defending a lawsuit can cost the firm thousands and ruin its reputation with negative publicity.

Tips for reducing for consumer liability

Here are some steps Tech companies can take to reduce their risk:

  • Understand privacy expectations – No matter the size of the firm, when collecting consumer data, consumers should be informed about how data will be used, whether it will be shared, and have a means to opt-out of data collection if they choose.
  • Review consumer-facing privacy notices often – In addition to ensuring that privacy notices are easy to find and understand, the policy should be reviewed often. For example, whenever a new partnership or marketing approach is developed, current privacy notices and terms and conditions should be reviewed by the legal team. Keeping records of “due diligence” will go a long way toward bolstering the defense against a consumer lawsuit.
  • Check the data security of partners – Don’t forget the cyberliability angle of privacy. Tech companies should make sure their partners have good practices to guard against data breach. When companies transfer personally identifiable information to a third-party, they still could be held liable if the partner accidentally loses or shares data or it is breached by hackers.
  • Evaluate Errors & Omissions coverage – Cases like the one against Facebook punctuate the need for Technology-specific Errors & Omissions coverage, a coverage that some Tech companies may resist. Help clients understand that the coverage will help to protect the company financially against accusations of privacy breach, and other lawsuits alleging financial injury to a third-party arising from their products or services.
Article

Protecting technology clients from potentially costly uncovered claims

tech business person

By Toby Levy, Vice President, Technology

Nausea, motion sickness, and headaches were not exactly the user experiences that Apple was anticipating when it introduced the new iOS 7 operating system. Yet, that’s what happened when the system’s “zooming” feature caused some users to feel ill while navigating between apps.

It is not the first time software has been suspected of causing an illness or other bodily injury. Think back to the allegation in 2007 that a four-year-old sustained permanent injury after a seizure induced by a Sony Playstation video game. Strava, a GPS athlete-tracking app developer, was sued in 2012 for allegedly causing a cyclist’s death. Though the case was dismissed, Strava still faced legal costs to answer the suit.

Owners of software companies, including computer consultants, system integrators, programmers and software package developers, are vulnerable to bodily injury suits. Agents focused on the Technology industry should help clients understand that:

  • Software use could result in unintended consequences, which may result in bodily injury and, possibly, a lawsuit.
  • An allegation of bodily injury due to software, even later disproved, will still be expensive to defend.
  • Standard general liability policies often do not cover tech companies for bodily injury resulting from their software, programming or other services.
  • Insurance carriers that specialize in insuring technology companies should be able to provide this coverage — although it is important to double check because even carriers that purport to focus on technology insurance are inconsistent in the way that they address this risk.

Eliminate coverage gaps

Technology clients often require more complex solutions to close coverage gaps than many other types of businesses, but convincing Tech companies that they may need to modify coverage, sometimes at an additional cost, to protect their business can be challenging. Here’s how to change the conversation:

  • Clarify bodilyinjury. Help clients to understand what a bodily injury claim is and how their current general liability policy may or may not respond. Relate the Apple case or another real life example to their business and their exposures. While most standard policies exclude bodily injury caused by software from general liability coverage, The Hanover’s business liability policy and commercial general liability for tech companies does not exclude bodily injury and property damage arising from professional services.
  • Differentiate general liability from errors and omissions coverage. Clients may not understand that while an errors and omissions (E&O) policy provides protection for economic damages arising from professional services, such as software development, typically E&O policies will not cover Bodily Injury or property damage caused by software or other technology professional services. Be wary of situations where carriers are endorsing the E&O to fill this gap as the coverage is not comparable to that provided by the general liability policy — it is claims-made and defense within limit compared to general liability, which is occurrence based and defense outside the limits. 

Educating tech clients about the potential financial harm that can arise from coverage gaps is key. No matter the company size, Tech businesses will need proper liability protection through coordinated general liability and professional liability solutions.

Protecting technology clients from potentially costly uncovered claims

By Toby Levy, Vice President, Technology

Nausea, motion sickness, and headaches were not exactly the user experiences that Apple was anticipating when it introduced the new iOS 7 operating system. Yet, that’s what happened when the system’s “zooming” feature caused some users to feel ill while navigating between apps.

It is not the first time software has been suspected of causing an illness or other bodily injury. Think back to the allegation in 2007 that a four-year-old sustained permanent injury after a seizure induced by a Sony Playstation video game. Strava, a GPS athlete-tracking app developer, was sued in 2012 for allegedly causing a cyclist’s death. Though the case was dismissed, Strava still faced legal costs to answer the suit.

Owners of software companies, including computer consultants, system integrators, programmers and software package developers, are vulnerable to bodily injury suits. Agents focused on the Technology industry should help clients understand that:

  • Software use could result in unintended consequences, which may result in bodily injury and, possibly, a lawsuit.
  • An allegation of bodily injury due to software, even later disproved, will still be expensive to defend.
  • Standard general liability policies often do not cover tech companies for bodily injury resulting from their software, programming or other services.
  • Insurance carriers that specialize in insuring technology companies should be able to provide this coverage — although it is important to double check because even carriers that purport to focus on technology insurance are inconsistent in the way that they address this risk.

Eliminate coverage gaps

Technology clients often require more complex solutions to close coverage gaps than many other types of businesses, but convincing Tech companies that they may need to modify coverage, sometimes at an additional cost, to protect their business can be challenging. Here’s how to change the conversation:

  • Clarify bodilyinjury. Help clients to understand what a bodily injury claim is and how their current general liability policy may or may not respond. Relate the Apple case or another real life example to their business and their exposures. While most standard policies exclude bodily injury caused by software from general liability coverage, The Hanover’s business liability policy and commercial general liability for tech companies does not exclude bodily injury and property damage arising from professional services.
  • Differentiate general liability from errors and omissions coverage. Clients may not understand that while an errors and omissions (E&O) policy provides protection for economic damages arising from professional services, such as software development, typically E&O policies will not cover Bodily Injury or property damage caused by software or other technology professional services. Be wary of situations where carriers are endorsing the E&O to fill this gap as the coverage is not comparable to that provided by the general liability policy — it is claims-made and defense within limit compared to general liability, which is occurrence based and defense outside the limits. 

Educating tech clients about the potential financial harm that can arise from coverage gaps is key. No matter the company size, Tech businesses will need proper liability protection through coordinated general liability and professional liability solutions.

Protecting technology clients from potentially costly uncovered claims

By Toby Levy, Vice President, Technology

Nausea, motion sickness, and headaches were not exactly the user experiences that Apple was anticipating when it introduced the new iOS 7 operating system. Yet, that’s what happened when the system’s “zooming” feature caused some users to feel ill while navigating between apps.

It is not the first time software has been suspected of causing an illness or other bodily injury. Think back to the allegation in 2007 that a four-year-old sustained permanent injury after a seizure induced by a Sony Playstation video game. Strava, a GPS athlete-tracking app developer, was sued in 2012 for allegedly causing a cyclist’s death. Though the case was dismissed, Strava still faced legal costs to answer the suit.

Owners of software companies, including computer consultants, system integrators, programmers and software package developers, are vulnerable to bodily injury suits. Agents focused on the Technology industry should help clients understand that:

  • Software use could result in unintended consequences, which may result in bodily injury and, possibly, a lawsuit.
  • An allegation of bodily injury due to software, even later disproved, will still be expensive to defend.
  • Standard general liability policies often do not cover tech companies for bodily injury resulting from their software, programming or other services.
  • Insurance carriers that specialize in insuring technology companies should be able to provide this coverage — although it is important to double check because even carriers that purport to focus on technology insurance are inconsistent in the way that they address this risk.

Eliminate coverage gaps

Technology clients often require more complex solutions to close coverage gaps than many other types of businesses, but convincing Tech companies that they may need to modify coverage, sometimes at an additional cost, to protect their business can be challenging. Here’s how to change the conversation:

  • Clarify bodilyinjury. Help clients to understand what a bodily injury claim is and how their current general liability policy may or may not respond. Relate the Apple case or another real life example to their business and their exposures. While most standard policies exclude bodily injury caused by software from general liability coverage, The Hanover’s business liability policy and commercial general liability for tech companies does not exclude bodily injury and property damage arising from professional services.
  • Differentiate general liability from errors and omissions coverage. Clients may not understand that while an errors and omissions (E&O) policy provides protection for economic damages arising from professional services, such as software development, typically E&O policies will not cover Bodily Injury or property damage caused by software or other technology professional services. Be wary of situations where carriers are endorsing the E&O to fill this gap as the coverage is not comparable to that provided by the general liability policy — it is claims-made and defense within limit compared to general liability, which is occurrence based and defense outside the limits. 

Educating tech clients about the potential financial harm that can arise from coverage gaps is key. No matter the company size, Tech businesses will need proper liability protection through coordinated general liability and professional liability solutions.

Protecting technology clients from potentially costly uncovered claims

By Toby Levy, Vice President, Technology

Nausea, motion sickness, and headaches were not exactly the user experiences that Apple was anticipating when it introduced the new iOS 7 operating system. Yet, that’s what happened when the system’s “zooming” feature caused some users to feel ill while navigating between apps.

It is not the first time software has been suspected of causing an illness or other bodily injury. Think back to the allegation in 2007 that a four-year-old sustained permanent injury after a seizure induced by a Sony Playstation video game. Strava, a GPS athlete-tracking app developer, was sued in 2012 for allegedly causing a cyclist’s death. Though the case was dismissed, Strava still faced legal costs to answer the suit.

Owners of software companies, including computer consultants, system integrators, programmers and software package developers, are vulnerable to bodily injury suits. Agents focused on the Technology industry should help clients understand that:

  • Software use could result in unintended consequences, which may result in bodily injury and, possibly, a lawsuit.
  • An allegation of bodily injury due to software, even later disproved, will still be expensive to defend.
  • Standard general liability policies often do not cover tech companies for bodily injury resulting from their software, programming or other services.
  • Insurance carriers that specialize in insuring technology companies should be able to provide this coverage — although it is important to double check because even carriers that purport to focus on technology insurance are inconsistent in the way that they address this risk.

Eliminate coverage gaps

Technology clients often require more complex solutions to close coverage gaps than many other types of businesses, but convincing Tech companies that they may need to modify coverage, sometimes at an additional cost, to protect their business can be challenging. Here’s how to change the conversation:

  • Clarify bodilyinjury. Help clients to understand what a bodily injury claim is and how their current general liability policy may or may not respond. Relate the Apple case or another real life example to their business and their exposures. While most standard policies exclude bodily injury caused by software from general liability coverage, The Hanover’s business liability policy and commercial general liability for tech companies does not exclude bodily injury and property damage arising from professional services.
  • Differentiate general liability from errors and omissions coverage. Clients may not understand that while an errors and omissions (E&O) policy provides protection for economic damages arising from professional services, such as software development, typically E&O policies will not cover Bodily Injury or property damage caused by software or other technology professional services. Be wary of situations where carriers are endorsing the E&O to fill this gap as the coverage is not comparable to that provided by the general liability policy — it is claims-made and defense within limit compared to general liability, which is occurrence based and defense outside the limits. 

Educating tech clients about the potential financial harm that can arise from coverage gaps is key. No matter the company size, Tech businesses will need proper liability protection through coordinated general liability and professional liability solutions.

Article

Serving the small specialty market

Building a book of business in the emerging small specialty market can be profitable, but servicing it can be costly and time consuming. That's where we can help. Like a seasoned concierge, The Hanover Customer Service Center (CSC) can take the responsibility for servicing and nurturing existing small specialty clients off your shoulders, freeing you up to concentrate on new revenue opportunities. It's a small investment that pays dividends.

The importance of specialty lines service center capabilities

Insurance Journal recently ran an article where The Hanover executive leadership examined the need for carrier customer service centers to expand their capabilities and service specialty lines to meet the increasing demands of small businesses requiring specialized coverages.

Learn more »

 The Hanover CSC accelerates your growth and profitability with our:

  • Total account servicing that saves you time and provides your customers with a seamless experience
  • Ability to service standard lines including BOP, commercial package, workers' compensation, umbrella, and commercial auto and specialty lines including professional liability, technology errors and omissions, management liability, inland marine, and more
  • Licensed professionals who are ready to offer advice and suggestions to customers, helping to round out accounts with specialty coverage when appropriate

For more information on our CSC capabilities, contact your Hanover team.

Serving the small specialty market

Building a book of business in the emerging small specialty market can be profitable, but servicing it can be costly and time consuming. That's where we can help. Like a seasoned concierge, The Hanover Customer Service Center (CSC) can take the responsibility for servicing and nurturing existing small specialty clients off your shoulders, freeing you up to concentrate on new revenue opportunities. It's a small investment that pays dividends.

The importance of specialty lines service center capabilities

Insurance Journal recently ran an article where The Hanover executive leadership examined the need for carrier customer service centers to expand their capabilities and service specialty lines to meet the increasing demands of small businesses requiring specialized coverages.

Learn more »

 The Hanover CSC accelerates your growth and profitability with our:

  • Total account servicing that saves you time and provides your customers with a seamless experience
  • Ability to service standard lines including BOP, commercial package, workers' compensation, umbrella, and commercial auto and specialty lines including professional liability, technology errors and omissions, management liability, inland marine, and more
  • Licensed professionals who are ready to offer advice and suggestions to customers, helping to round out accounts with specialty coverage when appropriate

For more information on our CSC capabilities, contact your Hanover team.

Serving the small specialty market

Building a book of business in the emerging small specialty market can be profitable, but servicing it can be costly and time consuming. That's where we can help. Like a seasoned concierge, The Hanover Customer Service Center (CSC) can take the responsibility for servicing and nurturing existing small specialty clients off your shoulders, freeing you up to concentrate on new revenue opportunities. It's a small investment that pays dividends.

The importance of specialty lines service center capabilities

Insurance Journal recently ran an article where The Hanover executive leadership examined the need for carrier customer service centers to expand their capabilities and service specialty lines to meet the increasing demands of small businesses requiring specialized coverages.

Learn more »

 The Hanover CSC accelerates your growth and profitability with our:

  • Total account servicing that saves you time and provides your customers with a seamless experience
  • Ability to service standard lines including BOP, commercial package, workers' compensation, umbrella, and commercial auto and specialty lines including professional liability, technology errors and omissions, management liability, inland marine, and more
  • Licensed professionals who are ready to offer advice and suggestions to customers, helping to round out accounts with specialty coverage when appropriate

For more information on our CSC capabilities, contact your Hanover team.

Serving the small specialty market

Building a book of business in the emerging small specialty market can be profitable, but servicing it can be costly and time consuming. That's where we can help. Like a seasoned concierge, The Hanover Customer Service Center (CSC) can take the responsibility for servicing and nurturing existing small specialty clients off your shoulders, freeing you up to concentrate on new revenue opportunities. It's a small investment that pays dividends.

The importance of specialty lines service center capabilities

Insurance Journal recently ran an article where The Hanover executive leadership examined the need for carrier customer service centers to expand their capabilities and service specialty lines to meet the increasing demands of small businesses requiring specialized coverages.

Learn more »

 The Hanover CSC accelerates your growth and profitability with our:

  • Total account servicing that saves you time and provides your customers with a seamless experience
  • Ability to service standard lines including BOP, commercial package, workers' compensation, umbrella, and commercial auto and specialty lines including professional liability, technology errors and omissions, management liability, inland marine, and more
  • Licensed professionals who are ready to offer advice and suggestions to customers, helping to round out accounts with specialty coverage when appropriate

For more information on our CSC capabilities, contact your Hanover team.

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