A partnership built on trust
There is no carrier more dedicated to your success than 华体会. That鈥檚 why we design and innovate products and capabilities to offer a wide range of coverage options, working with you to craft a one-carrier plan for a wider range of customers than ever before.
That鈥檚 because we find accounts placed with one carrier help prevent insurance gaps for your customers and provide the best retention and growth opportunities for you.
Your customers turn to you to protect more than just homes or autos. They have a lifestyle to protect 鈥� the family boat trips, the motorcycle rides, the ring they鈥檒l cherish forever. We are here to help them get the coverage they deserve.
Coverage beyond home and auto
From Hanover Agency Insight data, we've found that the most successful independent agents focus on account business 鈥� by placing all lines of business with high-performing carriers and aligning effective dates. That's why we design our products and capabilities to support writing the total account.
1 in 3
Customers in the independent agency channel have a full account and a common effective date for their coverage.
96%
is the rate of agency retention for these customers - significantly outperforming split and monoline accounts.
54%
Agents who focus their business on seven or fewer carriers grow 54% faster than agents who work with more. This includes...
10%
more account business and a 5% higher average customer premium.
Hanover Platinum
Hanover Platinum
Our home and auto package is the foundation for writing the total account for your customers. With Hanover Platinum, customers experience the convenience of one effective date, one bill to pay, and one carrier to call in the event of a claim.
Hanover Prestige
Hanover Prestige
Prestige is our distinctive brand of a la carte personal insurance options for higher-value homes and autos, providing the flexibility to tailor a plan to help exceed the high expectations of this customer base, without paying for unnecessary coverage.
Solutions by product
With our new capabilities, expanded appetite and agent-centric approach, we鈥檝e made it easier than ever for us to help you win with preferred account customers.
Homes
Homes
We offer the difference-making coverage that your account customers seek 鈥� including service line coverage, water backup protection and debris removal in the event of a total loss. Modern coverage options like these allow you to craft a plan specific the homes they love.
Learn moreAuto
Auto
华体会 offers a wide range of a la carte auto coverage options in order to help you protect your customer's total account and capture new business, while providing value and peace of mind to your customers.
Learn moreUmbrella
Umbrella
With an umbrella insurance policy, customers can be protected from liability claims and un-/underinsured motorists. It's affordable coverage that goes beyond the limits of their home or auto policy, with options ranging from $1M-$10M.
Learn moreRental properties
Rental properties
Whether it鈥檚 a second home, a summer rental, or a source of income, we put the same care into protecting rental property as we do with a primary residence. Our dwelling fire product covers up to four two-unit properties.
Learn moreValuable items
Valuable items
Customers can protect cherished valuables with a scheduled personal property endorsement or valuable items plus (VIP) property endorsement. This can be added to an existing policy for your customer's most precious items, with limits ranging up to $25K per item/$250K total.
Learn moreWatercraft
Watercraft
Our watercraft coverage offers protection for boats (up to 43鈥�), and sailboats (up to 51鈥�) between $3,000-$500,000 in value, and personal watercraft, too. All with flexible options and limits, and the convenience of pre-filled information while quoting.
Learn moreMotorcycles
Motorcycles
Our motorcycle protection covers a variety of bikes 鈥� choppers, scooters, touring bikes and more 鈥� with the option to customize a policy to your customer's motorcycle lifestyle. Plus, we make it easy, with pre-filled customer account information to provide a quote.
Learn moreCyber
Cyber
We offer Hanover homeowners a suite of a la carte cyber coverage options, including cyberbullying protection, with limits up to $100K and services including credit monitoring in the event of a claim.
Learn moreHome-based businesses
Home-based businesses
华体会鈥檚 home business solutions program features coverage options designed for homeowners who generate income through a home-based business, or through short-term rentals of their home, without needing a separate policy.
Learn moreHome business solutions
Home business solutions
For all types of homeowners who operate a business out of their house, we have endorsement options to help fit their needs.
Cold weather safety tips
Cold weather safety tips
Share this resource with your customers to help them prepare for winter - and learn how to react during and after a storm.
How we support independent agents
华体会 is dedicated to partnering with you to best position your agency - and your customers - for success. See some of the ways we strive to strengthen our partnership.
Meet your team
We work closely with our agents to understand the needs of your customers in order to provide best combination of protection, value and price. The smoother the process, the happier you and your customers will be.
Agent resource library
华体会's agent resource library includes valuable resources, helpful tools and tips to help you help your clients and enhance your industry knowledge.
The claims experience
Every claim鈥搉o matter how big or small鈥搃s important to us. We give our policyholders peace of mind that we will be there for them when the unfortunate happens, and every step along the way until their lives and businesses are restored.
Customer resources
Help educate your customers on risk and assist them in finding ways to reduce their chance of a loss with our articles, tips and more. Easy to share on social.
Partners in protection
We strive to provide the best service and protection to our agents and policyholders. That鈥檚 why we partner with high-quality service providers and promote their helpful services 鈥� with special pricing and benefits.
Home self-inspections
We know how important it is to our agents and customers to have the proper insurance protection for a home. That's why we have partnered with YouGoLook to offer a self-evaluation option to our policyholders for their convenience.
Our digital customer experience
Encourage your customers to take advantage of self-service options through our secure customer portal, My Hanover Policy. Learn more about the benefits of our digital services, such as paperless billing, policy documents, text notifications, tracking a claim in real time and asking billing questions with our self-service network assistant, Hanna. See how enabling customers to self-service will save you time.
Home evaluations
We encourage periodic home evaluations to help document the details of a customer's home, including its size, features, systems and materials. This helps ensure they have the proper insurance coverage and enables us to make recommendations that help reduce the likelihood of a future claim.