Hanover Property and Casualty Programs

Your partner for property and casualty programs

Through decades of experience and a commitment to long-term success, Hanover Property and Casualty Programs has built one of the strongest program teams in the business. We collaborate with our partners to achieve program success by building custom programs based on client needs and capabilities, ranging from admitted or non-admitted solutions, to delegated authority, guaranteed cost, alternative risk and more. We consistently work hard to remove barriers, streamline operations and improve financial returns, while eliminating uncertainty for you and your clients. That’s why the best retail agents, managing general agents and managing general underwriters trust Hanover Property and Casualty Programs.

Crafting insurance programs for a dynamic marketplace

The Hanover is committed to strategic growth through innovative program partnerships. We offer a spectrum of program capabilities across all standard and specialty lines. Beyond our property & casualty and programmatic capabilities, we offer professional liability programs via Hanover Professional Programs and inland and ocean marine programs via Hanover Marine Programs.



We target programs with the following structures:

  • Guaranteed cost (first dollar)
    • $5 million program size for state or regional programs
    • $10 million program size for national programs
  • Alternative risk (fronting)

Beyond the program structure, we target programs with the following attributes:

  • Affinity or association groups
  • Homogeneous group or common industry
  • Consistent limits, coverages and underwriting requirements
  • Unique product, underwriting and operational aspects that drive profit
  • Well-established business with meaningful primary program premium (current programs range from $5 million to $50 million in annual premium)
  • Strong and sustainable results with detailed data for actuarial and underwriting analysis
  • Specific niche industry expertise
  • Experienced program administrators with underwriting authority and history of underwriting expertise with demonstrated results 


Product offerings

Our broad portfolio of products gives us the ability to provide account-focused solutions for your clients. We write all standard commercial lines of coverage including:

  • Commercial general liability
  • Commercial property
  • Commercial automobile
  • Umbrella and excess
  • Workers' compensation

We are also uniquely positioned to offer both admitted and non-admitted solutions in all 50 states.

Sample programs

Here’s a sampling of guaranteed cost and fee/fronting programs we currently write.

  • Auto services 
  • Crane operators  
  • Energy  
  • Equine 
  • Franchises 
  • Fraternal organizations 
  • Homeowner associations 
  • Hospitality  
  • Manufacturing 
  • Not for profits 
  • Outdoor/recreational 
  • Professional photography 
  • Property managers 
  • Retail operations 
  • Self-storage facilities  
  • Specialty service contractors such as arborists, pest control operators
  • Structural movers

Classes of business out of appetite

  • Trucking
  • Habitational
  • Monoline commercial auto
  • Monoline excess liability
  • Heavily CAT exposed
  • Operations associated with cannabis 
  • Residential contractors


Why Hanover Programs?


Flexibility in program structure

We can employ commission slides, profit-sharing and traditional guaranteed cost programs on a program-by-program basis based on client needs and capabilities


Full-service program capabilities

Our full complement of capabilities includes everything from underwriting to product platforms, service, claims and risk management.


Valuable technology offerings

Our web-based suite of tools enables real-time interactions, not just for underwriters, but also for service, endorsement processing, billing, claims and MIS, allowing end-users to transact business quickly, accurately and efficiently.



Customized approach

We offer a broad range of line of business offerings on an admitted and non-admitted basis, and program structures ranging from risk transfer, programmatic, and fee/fronting. From planning to execution, workflows are tailored to the needs of the agency, MGA or MGU. Delegated authority is available for program administrators, as appropriate.


Specialized solutions

Customized, program-specific coverages are crafted by our expert underwriting and product teams for differentiation in the marketplace, leveraging our suite of admitted and non-admitted product capabilities to offer bundled and un-bundled solutions.


Risk management and claims services

Clients have access to a wide range of risk mitigation tools and safety information, including discounts on safety products, training and services like telematics and drone surveys, and more. Claims support is provided in-house or via TPA.



Strength and stability

Beyond our “A” rated paper, we offer the support of a carrier with "A" ratings from A.M. Best, S&P and Moody's.



Flexible billing options including direct bill to help streamline your operations and support.



Reinsurance relationships

Ability to support various reinsurance structures and partners on a program-by-program basis.


Have a program opportunity?

We recognize that niche business requires unique expertise, so we carefully review program opportunities to ensure a successful partnership for you and your clients. Submission requirements for a new program opportunity includes:

Program overview

  1. Background and business plan
  2. Demographics
  3. Competition and distribution model
  4. Resumes/background of key personnel
  5. Desired compensation structure
  6. System capabilities

Underwriting specifics

  1. Underwriting criteria/eligibility
  2. Target class codes
  3. Limits by line of business and distribution
  4. Pricing methodology
  5. Specialized coverage forms
  6. 5-year premium/loss data by line of business
  7. Rate trend information


Contact us


Contact us

Let’s talk about how our full-service program capabilities can address your clients’ unique risks. Contact us to start a conversation today.

Arthur Barrett III
Vice President, Underwriting

Colin Fitzgerald, RPLU
Assistant Vice President, Business Development Leader


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