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Hanover Specialty Excess & Surplus targets non-CAT property risks already in, or headed to, the E&S market with target values per building/location ranging from $1M to $5M and a target total insured value of up to $10M for multiple location risks. Our premium target ranges from $10K to $50K, with a $5K policy minimum premium. Property exposures considered include non-sprinklered risks, new purchases, vacant buildings, older buildings, ex-wind placements, risks with prior losses and buildings under renovation (in conjunction with Hanover Marine).

It is important to note our appetite varies based on geographical considerations and size of risk. Please contact an E&S underwriter to discuss specific opportunities.

The appetite below outlines classes of businesses and occupancies.

Additionally, we are not a market for the following property exposures or coverage:

• Primary or excess property placements
• Tier 1 coastal wind coverage, including all of Florida and Harris County, Texas
• High hazard wind, hail or wildfire geographies
• Flood and earthquake (DIC) coverages
• Transit or inland marine coverages

Hanover Specialty Excess & Surplus offers specialized surplus lines package, property, casualty and supported excess solutions on Hanover Atlantic paper (A-Rated).

Property

Property

• Ground-up policy limit structure
• Coverage for building, contents and/or business interruption on a scheduled basis only
• Flexible deductible levels, including variations for wind/hail versus all other perils
• Mix of ISO and proprietary coverage forms and endorsements to tailor coverage

Casualty

Casualty

• General liability, premises or products coverage
• Discontinued products and/or completed operations liability
• Liquor liability (only when written in conjunction with the general liability)
• Policy limits of $1M each occurrence/$2M aggregate
• Flexible deductible levels
• Mix of ISO and proprietary coverage forms and endorsements to tailor coverage

Excess

Excess

• Supported basis only over Hanover Specialty Excess & Surplus underlying general liability, premises or products coverage
• Policy limits up to $5M (follow-form versus umbrella coverage form)
• Ability to schedule underlying AL or EL of another carrier (subject to carrier and underlying limit acceptability)

Package

• Combined general liability and property offering for select risks

Why Hanover Specialty Excess & Surplus?

At �����, we understand that it can be challenging and costly to place business in the excess and surplus market. That’s the reason we developed ����� Specialty Excess & Surplus (E&S) offering �� to give our partner agents a more efficient and economical solution for surplus lines placements. Unlock the Hanover advantage: