Hanover GlobalReach

Whether your customer needs an endorsement added to their existing policy to protect incidental foreign exposures, a more comprehensive stand-alone policy or a controlled master program (CMP), The Hanover has the solution. Our GlobalReach offering includes:

Non-admitted coverage

We offer a non-admitted foreign insurance stand-alone package policy that combines specialized property and liability coverages to address the foreign exposures of U.S. domestic companies. Key coverages include:

• Comprehensive global property – Covers property-in-transit, difference-in-conditions, coinsurance deficiency, currency devaluation, international confiscation and more
• Comprehensive global liability – Covers defense costs and suits brought against a policyholder internationally
• International business auto – Covers bodily injury, property and physical damage, medical payments and covered pollution cost
• Foreign voluntary workers’ compensation – Covers bodily injury by accident, disease or endemic disease, employers liability and excess repatriation expense
• Kidnap, ransom, and extortion – Covers reimbursement of ransom, Insured's and victim's expenses, and the defense of the Insured for a suit arising out of a covered event
• Business travel accidents – Covers accidental death and dismemberment, emergency accident and sickness medical expense and emergency medical and political repatriation

Admitted coverage

Through our partnership with the RSA Group, one of the world’s longest standing general insurers, we are able to access a global network of highly respected local insurers in each of the countries in which you conduct foreign business. This network ensures we can provide admitted policies that are compliant with local laws and legislation in over 180 countries.

Controlled master program (CMP)

We are able to provide a CMP with difference in conditions/difference in limits coverage that works in conjunction with the Hanover GlobalReach offering to minimize gaps often found in local admitted policies.

Global travel assistance services

GlobalReach policyholders have access to UnitedHealthcare Global’s wide range of medical, security and travel-related assistance services while traveling abroad. Clients can utilize UnitedHealthcare Global’s network of more than 59,000 international assistance providers communicating in more than 100 different languages for immediate assistance with medical, security, and travel-related emergencies. Services include:

• Medical assistance services – Worldwide medical and dental referrals, monitoring of treatment, dispatch of doctors and specialists, and more
• Personal security services – Political or security evacuation services, including transportation after evacuation
• Travel assistance services – Replacement of lost or stolen travel document, emergency travel arrangements, translation services, and more
• Medical evacuation and repatriation services – Emergency medical evaluations, return of dependent children and more

Additionally, GlobalReach policyholders have 24/7 access to exclusive online tools and resources available on the UnitedHealthcare Global Intelligence Center. The Global Intelligence Center is the policyholder’s hub for security and medical intelligence, briefs on popular city destinations, tools to monitor employee travel, assistance with medical and security evacuation and repatriation and more.

Our entire team is focused on helping you create franchise value for your agency and win and retain more business—domestic retention levels are significantly higher when global coverage is written with a domestic carrier that can also provide the global solution. Unlock the Hanover Advantage:

• Appetite for a broad array of companies with exposures abroad—from manufacturers and distributors, to financial institutions and technology companies—in support of The Hanover’s core offering
• Complete suite of admitted and non-admitted international coverage solutions, including a domestic policy endorsement, a stand-alone policy and a controlled master program (CMP)
• Empowered underwriters serve as a single point-of-contact, creating a seamless account-focused solution by coordinating the placement of all of the elements of clients’ U.S. domestic and foreign insurance programs
• Medical, security, and travel-related assistance services for employees and their families traveling to foreign locations on business through our partnership with UnitedHealthcare Global Assistance Services
• Through our partnership with the RSA Group and our access to a global network of local insurers, foreign claims will be handled by local experts, providing professional claims management and servicing in accordance with local laws and regulations
• Financial strength of a leading insurance carrier with “A” ratings from A.M. Best, S&P and Moody's

• Application
• Policy forms library
• Marketing materials