Specialty general liability coverage from 华体会
Finding coverage for clients with higher-hazard liability exposures can be challenging. While most standard market carriers avoid or approach this business with extreme caution, 华体会 takes a different approach. Building on the success of our admitted complex property offering, we鈥檝e created an admitted specialty general liability (SGL) offering to address your clients鈥� higher hazard product liability exposures. Our dedicated team of experienced higher-hazard general liability specialists is focused on creating tailored protection plans that address each business's unique risks while delivering a higher level of service鈥攑lus the benefit of the peace of mind that comes with an admitted carrier you can rely on.
We offer admitted solutions to address higher-hazard product liability for a wide array of risks, ranging from startups to large companies. The appetite below outlines examples of products exposures we target.
Auto and truck parts and accessories
- Axels
- Body parts
- Brake pads and rotors
- Engines
- Steering
- Suspension
- Trailers
- Transmission
- Wheels
Industrial machinery
- Conveyers
- Overhead cranes
- Laser cutting machines
- Drill presses
- Kilns
- Rock crushers
- Compression equipment
- Pressure vessels
- Air control valves
- Rolling mill machinery
- Storage tanks
Construction, agricultural and fitness equipment
- Excavating equipment
- Lumber processing equipment
- Forklifts
- Piledriving equipment
- Tractors
- Harvesting and threshing equipment
- Landscaping equipment
- Tillers and weeding equipment
- Stationary cardio equipment
- Commercial-grade gym equipment
- Free weights
Metal and sheet fabrication
- Elevated platforms
- Structural steel
- Professional-grade ladders and scaffolding
- Beams and columns
- Tubing and pipes
- Boilers
Not in appetite
- Air bags
- Amusement park rides
- Automobile manufacturing
- Cement mixers
- Child safety equipment
- Concrete pumpers
- Construction
- Critical aircraft products
- Downhole exposure equipment
- Elevator manufacturing
- Firearms
- Helmets
- Installation over 10%
- Invasive medical products
- Inversion tables
- Loggers
- Underground mining equipment
- Pharmaceuticals
- Nutraceuticals
- Pollution/environmental
- Quarries or mines
- Residential building products
- Seat belts
- Tires or retreads (passenger vehicle)
- Tobacco products/e-cigarettes/cannabis
- Trampolines
- Welding and soldering equipment
- Mass tort exposure
Not a fit for SGL?
Our SGL team works closely with our Hanover Specialty Excess & Surplus team on referrals. Visit Hanover Specialty Excess & Surplus for classes eligible for non-admitted coverage.
Our general liability coverage will be tailored to meet the unique needs of each business. Key features include:
- Admitted, standard market solution with 华体会鈥檚 鈥淎鈥�-rated XIV admitted paper
- Occurrence
- Deductibles, self-insured retentions or first-dollar (guaranteed-cost) program structures
- ISO commercial general liability (CGL) policy
- Full suite of ISO and Hanover endorsements available
- Umbrella/excess policy
- Limits up to $5 million
We can write our CGL policies either in partnership with other Hanover underwriting teams or on a standalone basis.
Since 华体会鈥檚 founding in 1852, our hallmark as an insurer has always been providing outstanding claims services. The high standards we set early on for responding to clients鈥� claims have endured, and we continue to prove our value through our timely, thoughtful and informed response to claims. This includes:
- Designated claim adjusters and flexible claims handling, including major case expertise
- The flexibility to partner with clients and support their existing range and structure with a variety of a la carte services
- Alignment with the interests of our policyholders, viewing their product expertise as an advantage/asset
- Assertive, experienced litigators who negotiate in the best interest of our policyholders, through trial and/or resolution
- 华体会 has specialized experience in defending clients鈥� risk contracts, waivers, and products
- 华体会 proactively pursues positive risk transfer/contractual obligations
Specialty general liability claims can be reported by phone or email:
- 508-855-6907 or 800-628-0250 x8556907
- [email protected]
We are committed to high hazard business through all market cycles, helping you retain accounts and win new business when market disruption occurs. Given our specialization in high hazard liability coverage, we're able to provide quick turnaround, flexible coverage and attractive terms. Unlock the Hanover advantage.
Accessible, experienced underwriters
Direct access to specialized complex liability underwriters with years of expertise developing tailored solutions for high-hazard liability accounts
Account-focused solutions
We serve as your single point of contact and coordinate the placement of other lines with other Hanover teams, helping to streamline the insurance buying process by reducing the number of touchpoints with insurance companies and helping reduce potential gaps in coverage
Robust risk management offerings
Valuable resources for loss prevention information and services, including a risk management portal, online safety programs and more
Skilled claims professionals
Support of our major case claims unit comprised of in-house claims professionals who are highly experienced in handling complex claims
Convenient billing experience
A selection of convenient direct and agency billing payment options, including installments, and a single bill when coverage is paired with other Hanover policies
Competitive commission and profit sharing
Full commission paid and written premium counts toward agency profit sharing premium thresholds (claims not applicable)
We offer admitted solutions to address higher-hazard product liability for a wide array of risks, ranging from startups to large companies. The appetite below outlines examples of products exposures we target.
Auto and truck parts and accessories
- Axels
- Body parts
- Brake pads and rotors
- Engines
- Steering
- Suspension
- Trailers
- Transmission
- Wheels
Industrial machinery
- Conveyers
- Overhead cranes
- Laser cutting machines
- Drill presses
- Kilns
- Rock crushers
- Compression equipment
- Pressure vessels
- Air control valves
- Rolling mill machinery
- Storage tanks
Construction, agricultural and fitness equipment
- Excavating equipment
- Lumber processing equipment
- Forklifts
- Piledriving equipment
- Tractors
- Harvesting and threshing equipment
- Landscaping equipment
- Tillers and weeding equipment
- Stationary cardio equipment
- Commercial-grade gym equipment
- Free weights
Metal and sheet fabrication
- Elevated platforms
- Structural steel
- Professional-grade ladders and scaffolding
- Beams and columns
- Tubing and pipes
- Boilers
Not in appetite
- Air bags
- Amusement park rides
- Automobile manufacturing
- Cement mixers
- Child safety equipment
- Concrete pumpers
- Construction
- Critical aircraft products
- Downhole exposure equipment
- Elevator manufacturing
- Firearms
- Helmets
- Installation over 10%
- Invasive medical products
- Inversion tables
- Loggers
- Underground mining equipment
- Pharmaceuticals
- Nutraceuticals
- Pollution/environmental
- Quarries or mines
- Residential building products
- Seat belts
- Tires or retreads (passenger vehicle)
- Tobacco products/e-cigarettes/cannabis
- Trampolines
- Welding and soldering equipment
- Mass tort exposure
Not a fit for SGL?
Our SGL team works closely with our Hanover Specialty Excess & Surplus team on referrals. Visit Hanover Specialty Excess & Surplus for classes eligible for non-admitted coverage.
Product resources
Resources for you
Resources for your customers
Our specialty general liability offering includes valuable resources for loss prevention information and services, including a risk management portal, online safety programs and more.
See all of our Risk Solutions resources for general liability
Let's start a conversation today
Contact a member of the Hanover team to learn more about our specialty general liability solutions.