The Hanover Insurance Group
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
The Hanover distributes through independent agents and brokers. Publicly available guidance indicates a small-commercial, package-oriented appetite supported by agent-facing tools rather than a fully public detailed underwriting manual. For commercial business, Hanover promotes quote/issue workflows for BOP and BOP with umbrella, workers’ compensation, and auto, while Small CPP business may not be eligible for full online quoting and can instead be submitted through agent attachment/app workflow for routing to underwriting. Agent material also references appetite search by class name or NAICS code, BOP pre-qualification questions, state-specific eligibility/premium/workers’ comp code information, and access to supplemental applications through Hanover’s Small Commercial portal. Hanover’s older but still official agent materials highlight targeted CPP/Small Commercial industries including craft brewers, cultural institutions, food industries, healthcare, human services, media, metalworkers, professional services, sports and fitness, technology, and wholesalers; current public commercial umbrella pages also call out consultants, contractors, hotels/motels, manufacturers, restaurants, retailers, commercial real estate/office/shopping centers/warehousing/self-storage, service industries, technology companies, and wholesalers as example fits. Commercial umbrella is written as a supporting coverage, not standalone, with flexible limits up to $25 million and intended as part of a total business insurance solution. Workers’ compensation is supported with dedicated claim-reporting and risk-management resources; prompt first notice is emphasized, and losses can be reported by phone, fax, online, or email. Public pages do not provide a comprehensive declined-class list, but the submission guidance implies class/NAICS screening, BOP eligibility checks, and state-specific underwriting rules, so unusual/hazard-heavy classes, multi-vehicle schedules, and CPP submissions should be screened and routed through the agent portal/underwriter workflow rather than assumed straight-through. For home/personal business-related risks, Hanover’s public home-business guidance is narrowly structured as endorsements to a Hanover homeowners policy: business pursuits for contractors/employees needing liability only; permitted incidental occupancies for sole proprietors or contractors with inventory and few/no visitors; home-based business for operations in a primary residence with up to three employees and regular customer visits; and home sharing for short-term rental exposures. A Hanover homeowners policy is required for these endorsements. Hanover also references Hanover Prestige for high-value home/auto/umbrella placements, subject to underwriting and jurisdictional availability. Geographic notes on public pages are limited but important: coverage availability varies by jurisdiction/state, workers’ compensation has state-specific forms and provider-network rules, and California workers’ compensation policyholders have dedicated service/escalation contacts. Broker/producer notes: use Hanover’s agent systems/Small Commercial portal for appetite checks, state-specific class information, supplements, and submission routing; attach supporting documents such as applications, loss information, driver lists, and other files as needed; independent agents are the required distribution channel for quotes and policy placement.