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’s current official producer-facing guidance is centered on its Agent Solutions capabilities overview rather than a public, detailed class-by-class appetite grid. Publicly published materials indicate a broad U.S. appetite delivered through independent agents and brokers only, with business capabilities spanning 500+ small commercial classes, middle market solutions across 12 core industries, and key commercial products including business owner’s policy, commercial package policy, umbrella, workers’ compensation and commercial auto. Industry pages and business overviews highlight target sectors such as construction, cultural institutions, educational institutions, financial institutions, healthcare, human services, life sciences, manufacturing, professional services, real estate, retail, technology, and wholesale/distribution. For home/personal business, Hanover markets home, dwelling fire, umbrella, scheduled valuables, watercraft and auto, with umbrella limits publicly stated at $1M to $10M, but $5M max in Louisiana. Workers’ compensation guidance available publicly is operational rather than underwriting-focused: Hanover emphasizes prompt reporting, offers 24/7 FNOL by phone, fax, online and email, and notes physician panel posting requirements for Colorado, Georgia, Pennsylvania, Tennessee and Virginia. Hanover also promotes risk management services, Nurse Triage 24, provider networks, online safety/training resources, and EZPay/pay-as-you-go billing for workers’ comp; for EZPay, new class codes, locations or officers must be submitted through the agent before payroll is reported for those exposures. Restricted/declined classes are not clearly published on current public Hanover pages for these product lines, so class-specific prohibitions could not be verified from official public sources. One specialty-industrial appetite sheet notes tougher industrial risks such as nonsprinklered property, environmental exposures and hard products may be placed on non-Hanover partner paper rather than admitted Hanover paper, which suggests placement restrictions for harder-to-place property/casualty industrial risks. Geographic notes are limited in public materials: coverage may not be available in all jurisdictions, personal umbrella is capped at $5M in Louisiana, and workers’ compensation process notes vary by state. Submission and broker notes: Hanover uses a selective independent-agent distribution model; prospects are directed to contact an agent rather than submit direct. Agents are pointed to Agent Solutions and TAP, and Hanover provides agency helplines for personal lines and commercial lines. Commercial lines agents can use the helpline for coverage questions, risk eligibility and underwriting assistance, with separate routing for small commercial and middle market. Overall, the current verified public position is broad appetite with local underwriting access, but no current public official appetite guide was found that precisely lists preferred, restricted or declined classes for CPP, commercial umbrella, workers’ comp or home.