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
Overall appetite and distribution - Independent-agency carrier focused on small to mid-sized commercial accounts and preferred personal lines, including higher-value personal accounts through Platinum/Prestige. Targets multi-line accounts more than monoline placements. ([hanoverins.com](https://www.hanoverins.com/agentsolutions/index.html?utm_source=openai)) - Underwriting guardrails and appetite are set centrally, with line-of-business and class-specific guidelines maintained by each business unit within those guardrails (e.g., catastrophe and hurricane risk). ([hanover.com](https://www.hanover.com/about-hanover/our-corporate-commitment/gri-referenced-content-index?utm_source=openai)) Workers Compensation - Target risks: broad appetite for small-to-midsize employers written as part of a total commercial account (often paired with BOP/CPP, commercial auto, and umbrella). Emphasis on insureds willing to engage in safety programs, return‑to‑work planning, and proactive claim reporting. ([hanover.com](https://www.hanover.com/businesses/products/workers-compensation?utm_source=openai)) - Preferred characteristics: active safety culture, use of Hanover risk management resources, early claim reporting (within 7 days), and willingness to use nurse triage and network medical providers. ([hanover.com](https://www.hanover.com/businesses/products/workers-compensation?utm_source=openai)) - Services and risk management: access to on‑demand safety and training resources, online libraries, ergonomics tools, NT24 nurse triage, and large preferred provider network. These are positioned as part of the value proposition and indicators of the desired risk profile. ([hanover.com](https://www.hanover.com/businesses/products/workers-compensation?utm_source=openai)) - Restricted/declined classes: Specific class lists are not published publicly; higher‑hazard industries and out‑of‑appetite classes must be checked via the Small Commercial Solutions/"local appetite" tools or with underwriting support. ([sites.hanover.com](https://sites.hanover.com/linec/docs/116-1337.pdf?utm_source=openai)) - Submission notes: workers comp commonly quoted as part of a package/total account. Agents are expected to use Hanover’s small commercial portals and consult local appetite tools for eligibility; complex or higher‑hazard classes should be pre‑discussed with local underwriters or via commercial lines support emails. ([hanoverins.com](https://www.hanoverins.com/agentsolutions/tool_ahl.html?utm_source=openai)) Commercial Package / Umbrella / Small Commercial - Target business: small commercial and lower‑mid‑market accounts, typically under ~$200K in premium, in a wide range of main‑street and professional classes, with an emphasis on writing the full account (package, auto, WC, umbrella, and specialty as needed). ([annualreports.com](https://www.annualreports.com/HostedData/AnnualReportArchive/t/NYSE_THG_2005.pdf?utm_source=openai)) - Products: enhanced BOP, CPP, commercial auto, workers compensation, inland marine, commercial umbrella, bonds, and complementary specialty products. Appetite is supported by program and specialty capabilities for selected industries and professional lines. ([annualreports.com](https://www.annualreports.com/HostedData/AnnualReportArchive/t/NYSE_THG_2005.pdf?utm_source=openai)) - Programs and specialty: dedicated property and casualty programs and professional liability programs with unique underwriting and operational requirements. These programs often have their own specific appetite, minimums, and underwriting rules; agents should refer to program‑specific materials. ([hanover.com](https://www.hanover.com/property-and-casualty-programs?utm_source=openai)) - Preferred accounts: packaged risks with multi‑line placements, stable loss history, and willingness to use Hanover’s risk management tools. The Small Commercial Solutions portal provides real‑time local appetite, minimum premium, and class guidance to producers. ([sites.hanover.com](https://sites.hanover.com/linec/docs/116-1337.pdf?utm_source=openai)) - Restricted/declined: detailed class lists are not publicly posted. Appetite, eligibility, and any state or class restrictions are managed through the Small Commercial Solutions portal and local underwriting; agents are directed to consult those tools or contact field underwriters for outlier risks. ([sites.hanover.com](https://sites.hanover.com/linec/docs/116-1337.pdf?utm_source=openai)) - Submission/producer expectations: agents use the Agent Solutions platform and small commercial portals for rate/quote/bind and to view appetite and underwriting information. For non‑standard or referral business, producers are expected to contact local underwriters or commercial lines support teams (phone tree and dedicated email addresses are provided for status and underwriting assistance). ([hanoverins.com](https://www.hanoverins.com/agentsolutions/index.html?utm_source=openai)) Personal Lines – Home (and related personal coverages) - Target customers: preferred personal lines accounts including standard and higher‑value homes and autos, with a strong emphasis on writing the total personal account (home, auto, umbrella, valuables, and recreational). ([hanover.com](https://www.hanover.com/agents-and-brokers/agent-solutions/personal-lines?utm_source=openai)) - Key products: Home, Auto, Personal Umbrella, Cyber, Valuables, and Recreational (watercraft, motorcycle, collector car, off‑road vehicle – not all available in every state). Higher‑value personal lines needs are served by Hanover Platinum and Hanover Prestige offerings. ([hanover.com](https://www.hanover.com/agents-and-brokers/agent-solutions/personal-lines?utm_source=openai)) - Preferred risks and features: full‑account business (home + auto + umbrella/other), solid risk characteristics consistent with a preferred market, and higher‑value homes for Platinum/Prestige. Home offerings highlight service line, water backup, equipment breakdown, and coverage for rental/secondary homes, subject to underwriting guidelines. ([hanover.com](https://www.hanover.com/agents-and-brokers/agent-solutions/personal-lines?utm_source=openai)) - Geographic and availability notes: personal lines offerings, including certain vehicle types (motorcycle, collector car, off‑road) and specific endorsements, may not be available in all jurisdictions and are always subject to company underwriting guidelines and filed policy forms. ([hanover.com](https://www.hanover.com/agents-and-brokers/agent-solutions/personal-lines?utm_source=openai)) Broker/producer operational notes - Agent Solutions site is the central hub for producers to access product information, underwriting and appetite resources, tools, and contact information. Hanover positions itself as a partner to a select group of independent agencies, emphasizing deeper relationships and higher share of wallet. ([hanoverins.com](https://www.hanoverins.com/agentsolutions/index.html?utm_source=openai)) - Small Commercial Solutions portal provides real‑time local appetite, class and line‑specific guidance, and minimum premiums. Producers are expected to check this portal for eligibility and appetite before submitting or requesting underwriter review. ([sites.hanover.com](https://sites.hanover.com/linec/docs/116-1337.pdf?utm_source=openai)) - Underwriting support: published contact channels include phone options and dedicated commercial lines support emails for status and underwriting assistance; agents are encouraged to direct coverage/eligibility questions and complex risks to these channels. ([hanoverins.com](https://www.hanoverins.com/agentsolutions/tool_ahl.html?utm_source=openai)) Important caveats - Hanover’s corporate materials emphasize that all products are subject to line‑of‑business underwriting guidelines, corporate appetite guardrails (including catastrophe and climate‑related limits), and state/jurisdictional filings. Specific accept/decline class lists, territorial restrictions, and detailed underwriting rules are maintained behind the agent portal and are not fully visible publicly; producers should always confirm current appetite and guidelines within the Agent Solutions/Small Commercial tools or with their local underwriter. ([hanover.com](https://www.hanover.com/about-hanover/our-corporate-commitment/gri-referenced-content-index?utm_source=openai))