LinesBOP, WC, GL, Commercial auto, Commercial property, Cyber, Umbrella, Professional liability, Auto, Home
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | GL | Most states | Hanover Contractors Advantage targets commercial, industrial and institutional general contractors, public works, heavy construction (roads, bridges, sewer and water mains) and interior and exterior trades such as carpentry, electrical, plumbing/HVAC, masonry, framing, concrete and excavation. Out: dam, dredging, environmental remediation, power line, pipeline and residential building construction. WC, auto and umbrella are offered alongside (Hanover agent construction appetite page, viewed Oct 2026). |
| Professional services | Professional liability | Most states | Hanover Professional Services Advantage targets office-based firms: lawyers, accountants, tax and payroll, design services, consultants, travel agencies, executive search and insurance agencies. Professional liability covers accountants, architects and engineers, lawyers and miscellaneous professionals; standalone E&O via Professional and Executive Lines also takes advertising agencies, claims adjusters and construction management. Out: law firms over 250 attorneys and clinical trial labs (Hanover agent professional services appetite page, viewed Oct 2026). |
| Real estate | Commercial property | Most states | Hanover Real Estate Advantage targets owners, REITs, brokers and commercial property managers of office, retail, light industrial/flex/warehouse, mixed-use and Class A condominium properties, with a property broadening suite of 65+ coverages. Out: fully residential exposures other than Class A condos, aging services, mini-storage and development construction (Hanover agent real estate appetite page, viewed Oct 2026). |
| Professional services | Cyber | Most states | Hanover cyber targets small and mid-sized construction, manufacturing, non-profit, professional services, retail, technology and wholesale businesses. Data breach and cyber liability is an add-on to the BOP or package policy; Cyber Advantage Pro is a standalone policy with a dedicated limit (Hanover cyber product page, viewed Oct 2026). |
| Retail | Umbrella | Most states | Commercial umbrella limits run up to $25M, varying by business type and size. Named industries: consultants, contractors, hotels and motels, manufacturers, restaurants, retailers, real estate, service industries, technology and wholesalers (Hanover commercial umbrella page, viewed Oct 2026). |
| Offices | BOP | Most states | Hanover's BOP offers industry-specific coverage options for over 500 classes, including BOP broadening for accountants, architects, engineers and law offices (Hanover BOP page and professional services appetite page, viewed Oct 2026). |
| Wholesale | Commercial auto | Most states | Hanover writes commercial auto for box and straight trucks, cargo, delivery, step and passenger vans, refrigerated trucks and SUVs, designed to sit with its package policies. Availability varies by business type and size (Hanover commercial auto page, viewed Oct 2026). |
How to quote The Hanover
→Carrier portal. Quote directly in the The Hanover agent portal.
→Semsee. Agencies quoting several small-commercial lines.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Getting appointed
The Hanover runs a selective appointment process for 'growth-minded, actively-managed agencies'. Agencies submit a prospect form or contact a local Hanover office, and Hanover reviews the information to evaluate a potential appointment.
Sources
- The Hanover: Construction (agent appetite page)
- The Hanover: Professional services (agent appetite page)
- The Hanover: Real estate (agent appetite page)
- The Hanover: Commercial lines for agents
- The Hanover: Cyber insurance
- The Hanover: Commercial umbrella
- The Hanover: Commercial auto
- The Hanover: Business owner's policy
- The Hanover: Become a Hanover agent