Hanover Fire & Casualty Insurance Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
No formal, publicly available underwriting, appetite, or producer/broker submission guide for Hanover Fire & Casualty Insurance Company is published on the carrier’s own website as of this refresh. Operational notes (from available official information): - Lines of business: External market references list Hanover Fire & Casualty as writing homeowners and dwelling-type personal property business, but the carrier’s own site does not enumerate product lines or provide class-level criteria.([agencysoftware.com](https://agencysoftware.com/hubfs/Agency_Software_July_2023/Pdfs/Certified_Companies.pdf?utm_source=openai)) - Geography: The carrier’s contact and corporate pages state that Hanover Fire & Casualty is based in King of Prussia, Pennsylvania, and currently serves PA, NJ, DC, DE, MD, OH, IN, IL, AZ, GA, KY, TN, and WV. This appears to be the active operating territory for its personal lines offerings.([hanoverfire.com](https://hanoverfire.com/contact/?utm_source=openai)) - Underwriting contact: The public contact page provides a dedicated underwriting email address (Underwriting@hanoverfire.com) and a main service phone line (800-919-3473 / 800-919-FIRE), indicating that underwriting questions and referrals are handled directly with the carrier rather than through a published rules manual.([hanoverfire.com](https://hanoverfire.com/contact/?utm_source=openai)) - Broker/agent interaction: The website positions the company as a regional personal-lines carrier with service-focused support; team and contact pages invite agents and customers to contact underwriting and customer service staff directly but do not show any appetite grids, preferred/declined class lists, or minimum-premium/coverage-structure guidance.([hanoverfire.com](https://hanoverfire.com/contact/?utm_source=openai)) Because no official underwriting or appetite guide is published online, the following must be assumed for operational purposes rather than taken as explicit carrier rules: - Preferred business: Not specified. Expect standard personal homeowners and related dwelling risks in the listed states, placed through appointed agents only. - Restricted/declined risks: Not specified in public materials. Assume non-standard or high-hazard property (e.g., severe losses, poor maintenance, unusual occupancies) will require prior underwriting review via the listed underwriting contact. - Submission requirements: Not documented publicly. Agents should follow internal agency instructions and contact the carrier’s underwriting department by phone or email for specific submission checklists, documentation, and eligibility questions in each state. - Producer instructions: No online producer/agent portal or manual is visible from the public site. Use direct contact with underwriting or agency development for any appetite, pricing, or program questions. Given the absence of an official online underwriting manual, treat all appetite, eligibility, and documentation requirements as subject to confirmation directly with Hanover Fire & Casualty underwriting before binding or marketing material changes.