Excess and surplus
small business offering
Quick quotes for non-admitted general liability coverage
We understand that a growing number of small businesses need surplus lines products to meet their unique insurance needs.
That’s why Hanover Specialty Excess & Surplus offers expedited quotes through an online submission process to help you obtain non-admitted general liability coverage as quickly and efficiently as possible.
General liability solutions for a wide range of risks
Eligible policy premiums range from $1,500 to $10,000. Our appetite and minimum premiums vary by class of business based on jurisdictional considerations.
Please note our current offering is limited to general liability only. We are not a market for package or any other line of business coverage at this time.
Target industries
- Amusement and recreation
- Construction
- Habitational
- Real estate
- Restaurant, halls and catering
- Retail
- Services
View detailed appetite by class
Simple submission process. Speedy quote turnaround.
Getting a quote for your small business customers within four hours is as simple as following these four easy steps:
Conveniently view appetite and eligibility criteria online in Account View
Easily enter and attach risk information and submit your quote request
A dedicated E&S small business underwriter reviews your submission and contacts you if needed
Promptly receive a quote—most quotes are turned around within four hours
See how it's done
Watch this step-by-step demo to see just how easy it is to submit an E&S general liability quote request in Account View.
Start submitting GL business today
Our dedicated E&S small business underwriters are ready to receive your submissions and tailor coverage solutions to meet each client's unique needs. Submit a risk today and experience the Hanover advantage.
Answers to questions we’ve received
Get answers to frequently asked questions about placing small E&S general liability business with Hanover Specialty Excess & Surplus.
- What is the turnaround time once I submit the application?
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If the underwriting questions do not trigger a referral, then we will provide a quote in four hours or less if the account is submitted before 1 pm EST. For accounts that trigger referrals, the turnaround time will depend on the completeness of the information provided in the UW Information box. The more complete the information, the faster the E&S small business underwriter can review and provide a quote.
- What should I do if I have an account where the primary class code is not one of the 150 class codes eligible for the E&S small business offering?
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Please submit the account to your E&S underwriter through the standard submission process. For accounts with primary exposures outside of the 150 class codes, the minimum premium is $5,000.
- If the account has secondary exposures outside of the 150 class codes, will you still provide a quote?
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If there are secondary or incidental class codes that fall outside of the 150 class codes eligible for the E&S small business offering, the account will be referred to an E&S small business underwriter to review. If the exposures are acceptable, the E&S small business underwriter will provide a quote.
- Do I need to have a surplus lines license to place business through the E&S small business offering?
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No, neither you nor your agency has to have a surplus lines license because this business is conveniently transacted through Hanover Specialty Insurance Brokers (HSIB), our in-house E&S brokerage. HSIB handles the surplus lines filings, taxes and fees on your behalf, meeting the necessary surplus lines requirements.
- My agency has a surplus lines license; do we still need to go through HSIB?
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Currently, the E&S small business offering utilizes HSIB for all risks in order to provide a streamlined experience. Please contact your E&S small business underwriter for further discussion if needed.
- Do I need to do anything differently to work with HSIB?
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There is a sub-producer agreement for HSIB that will need to be signed. When an account is bound, HSIB will review its records to confirm an agreement is on file. If HSIB does not have a signed agreement, they will send one to the agency for completion. The agreement only needs to be completed once.
- Do I still need to follow my state’s due diligence requirements prior to placing an account in the E&S market?
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Yes, all accounts placed in E&S must comply with due diligence requirements. A due diligence affidavit form will be included with the quote. The form should be completed and returned with the bind request.
- Is my small E&S account eligible for The Hanover’s single billing capability?
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Yes, the client number can be linked behind the scenes for a single bill.
- Can these accounts be serviced in the Customer Service Center (CSC)?
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Yes, all E&S accounts written through retail agents can be placed in the CSC. Please let your E&S small business underwriter know at binding if you would like the account to be serviced by the CSC.
- What commission is paid on accounts placed through the E&S small business offering?
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The commission level is 15%.
- How do the accounts I place through the E&S small business offering count towards my profit sharing with The Hanover?
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E&S premiums count as qualifying premiums that go towards profit sharing tiers. The premiums and losses are not included in the actual profit sharing calculation.
- What is the turnaround time once I submit the application?
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If the underwriting questions do not trigger a referral, then we will provide a quote in four hours or less if the account is submitted before 1 pm EST. For accounts that trigger referrals, the turnaround time will depend on the completeness of the information provided in the UW Information box. The more complete the information, the faster the E&S small business underwriter can review and provide a quote.
- What should I do if I have an account where the primary class code is not one of the 150 class codes eligible for the E&S small business offering?
-
Please submit the account to your E&S underwriter through the standard submission process. For accounts with primary exposures outside of the 150 class codes, the minimum premium is $5,000.
- If the account has secondary exposures outside of the 150 class codes, will you still provide a quote?
-
If there are secondary or incidental class codes that fall outside of the 150 class codes eligible for the E&S small business offering, the account will be referred to an E&S small business underwriter to review. If the exposures are acceptable, the E&S small business underwriter will provide a quote.
Learn more about our E&S small business offering
General questions should be sent to smallsurplus@hanover.com, our dedicated mailbox for small E&S business.
Specific inquiries should be directed to Michelle Krajewski, Assistant Vice President Small E&S at 480-376-6446 or mkrajewski@hanover.com.
All products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates. Coverage may not be available in all jurisdictions and certain coverage may be provided by an eligible surplus lines insurer and procured only by a properly-licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. This release is designed to provide general information for insurance professionals only and does not constitute an offer to sell or a solicitation of insurance. Any inquiries regarding the subject matter should be directed through licensed insurance professionals.
Please refer to the actual policy issued for complete details of coverage and exclusions. For more information about The Hanover visit our website at www.hanover.com.
Hanover Specialty Insurance Brokers, Inc. CA License # 0759293 NY License # EX-530458-R