Product Enhancements At-A-Glance - Hanover Insurance

1 Product Enhancements At-A-GlanceHanover Commercial LinesFOR INTERNAL USE ONLYT able of Contents1 Introduction 2 Commercial Property30 Commercial general Liability54 Commercial Follow Form Excess and UmbrellaHANOVER COMMERCIAL LINESP roduct Enhancements Bring Value and Benefits to You and Your ClientsThe Hanover gets it. You want more of the right products, services, tools and support to help you capture a bigger part of your market. We ve responded by continuing to invest in our Product portfolio to ensure we re offering you and your clients innovative and differentiated total account solutions. The Enhancements we ve made to our Property, general liability and Commercial Follow Form Excess and Umbrella offerings allow you to further customize coverage for your clients. Additionally, these changes will make our policies easier to read, follow and comprehend.

2 The more consistent language and structure across our forms will save you time when reviewing your re confident that our new offerings allow you to further differentiate your agency and bring more value to your customers helping you win and retain more Commercial LinesPRODUCT Enhancements At-A-Glance | 1 Commercial PropertyThe Hanover s suite of property coverage offerings is designed to help fully protect your Commercial Package Policy (CPP) and Monoline Property clients against costly catastrophes and business selection of tiered base property broadening endorsements Bronze, Silver, Gold and Platinum allow you to choose the level of basic coverage that best aligns with your client s account size and business needs. The base property broadening endorsements consist of over 65 coverages and Enhancements with many amendable limits, including Worldwide Property Off Premises, Unnamed Locations and Movement of endorsements with many amendable limits can be added to the base property broadening endorsements, allowing you to further customize coverage for your help you solve for more challenging exposures not common to all clients in an industry, specialized coverage endorsements address these unique risks and provide even more relevant solutions.

3 2 | Product Enhancements AT-A-GLANCEPRODUCT Enhancements At-A-Glance | 3 Hanover Commercial LinesHANOVER COMMERCIAL LINESPRODUCT Enhancements At-A-Glance | 3 HOW THE NEW FLEXIBILITY AND CUSTOMIZATION OPTIONS WORKBASE PROPERTYBROADENINGENDORSEMENTSI nclude oftenrequested coverages*++*Flexility to amend limits on the base and industry-specific endorsementsSPECIALIZED COVERAGE ENDORSEMENTSF urther customize by adding specialized endorsementsto meet challenging exposuresISO 2012 COMMERCIAL PROPERTYCOVERAGE FORMS INDUSTRY-SPECIFIC ENDORSEMENTSAdd applicable industry-specific endorsement to meet common industry coverage concerns*BRONZE68 Coverages25,000 Blanket LimitSILVER75 Coverages250,000 Blanket LimitGOLD75 Coverages500,000 Blanket LimitPLATINUM75 Coverages1,000,000 Blanket LimitHANOVER COMMERCIAL LINESBase Property Broadening Endorsements Coverage ComparisonCOVERAGEBASE LIMITBASE LIMITBASE LIMITBASE LIMITB lanket Limit/Coverages$25,000$250,000$500,000$1 ,000,000 Accounts ReceivableIncluded in Blanket Included in Blanket Included in Blanket Included in Blanket Additional Covered PropertyIncludedIncluded Included Included Brands and LabelsIncluded Included Included Included Broadened Building Coverage (base form)IncludedIncludedIncludedIncludedBro adened Business Personal Property (base form)

4 IncludedIncludedIncludedIncludedBuilding Limit Inflation GuardIncludedIncludedIncludedIncludedBus iness Income and EE from Dependent Propertiesn/a$100,000$150,0 0 0$250,000 Catastrophe Allowance Coveragen/a$25,000$50,000$50,000 Computer and Funds Transfer Fraud$5,000$10,000$15,0 0 0$25,000 Consequential Loss to StockIncludedIncludedIncludedIncludedCon tract Penalties$5,000$25,000$50,000$100,000 BRONZESILVERGOLDPLATINUM4 | Product Enhancements AT-A-GLANCECOVERAGEBASE LIMITBASE LIMITBASE LIMITBASE LIMITD ebris Removal$25,000$100,000$250,000$250,000 Deferred PaymentsIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketDenial of Access to PremisesIncludedIncludedIncludedIncluded E-Commerce$2,500$5,000$10,000$25,000 Electronic Data Processing EquipmentIncludedIncludedIncludedInclude dEmployee Theft Including ERISA Compliance$10,000$50,000$100,000$150,0 0 0 Employee Tool and Work Clothing$5,000$10,000$25,000$25,000 Expediting Expenses$10,000$25,000$50,000$50,000 Extended Business Income (base)

5 N/a90 Days180 Days180 DaysExtended Coverage on Property1,000 Feet2,000 Feet2,000 Feet2,000 FeetExtra Expense$25,000$50,000$300,000$300,000 Fine ArtsIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketFire Department Service ChargeIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketFire Protection Equipment RechargeIncludedIncludedIncludedIncluded Food Contamination Coverage$5,000$10,000$25,000$25,000 Food Contamination Additional Advertising Expense$3,000$3,000$3,000$3,0005 | Product Enhancements AT-A-GLANCEHANOVER COMMERCIAL LINESCOVERAGEBASE LIMITBASE LIMITBASE LIMITBASE LIMITF orgery and Alteration$5,000$30,000$30,000$50,000 Foundations and Underground Pipesn/aIncludedIncludedIncludedInternat ional Air Shipments$10,000$25,000$50,000$50,000 Inventory & Loss Appraisal$25,000$100,000$250,000$300,000 Key Replacement and Lock Repair$5,000$15,0 0 0$20,000$20,000 Lease Cancellation$5,000$25,000$50,000$50,000 Leasehold Interests Tenants$25,000$50,000$150,0 0 0$250,000 Marring and ScratchingIncludedIncludedIncludedInclud edMoney & Securities$5,000$10,000$25,000$50,000 Money Orders and Counterfeit Money$5,000$10,000$25,000$50,000 Movement of PropertyIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketNewly Acquired or Constructed Property Building$500,000$1,000,000$2,000,000$2,0 00,000 Newly Acquired Business Personal Property$250,000$500,000$1,000,000$1,000 .

6 000 BRONZESILVERGOLDPLATINUM6 | Product Enhancements AT-A-GLANCECOVERAGEBASE LIMITBASE LIMITBASE LIMITBASE LIMITN ewly Acquired Locations Business Income & Extra Expense$100,000$250,000$250,000$250,000 Newly Acquired - Business Personal Property$250,000$500,000$1,000,000$1,000 ,000 Non Owned Detched Trailers$5,000$25,000$25,000$50,000 Ordinance or Law$100,000$300,000$500,000$500,000 Outdoor PropertyIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketPersonal Effects and Property of OthersIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketPollutant Cleanup and Removal$10,000$50,000$100,000$150,0 0 0 Preservation of Property90 Days90 Days90 Days90 DaysPreservation of Property Expense$10,000$25,000$50,000$100,000 Property in Transit$25,000$50,000$100,000$150,0 0 0 Property Off Premises$25,000$100,000$150,0 0 0$200,000 PrototypesIncludedIncludedIncludedInclud edResearch and Development DocumentationIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketReward Arson, Theft, Vandalism$5,000$50,000$75,000$100,000 Sales Representative Samples$10,000$25,000$25,000$50,0007 | Product Enhancements AT-A-GLANCEHANOVER COMMERCIAL LINESCOVERAGEBASE LIMITBASE LIMITBASE LIMITBASE LIMITS easonal Increase Business Personal PropertyIncludedIncludedIncludedIncluded Sewer Backupn/a$100,000 IncludedIncludedSoft Costs$5,000$10,000$25,000$50,000 Temporary Relocation of Property$25,000$50,000$100,000$100,000 Tenant Glass$5,000$10,000$15,0 0 0$25,000 Tenant Relocation$5,000$25,000$50.

7 000$50,000 Theft Damage to BuildingIncludedIncludedIncludedIncluded Transit Business Income and Extra Expense$5,000$50,000$75,000$100,000 Undamaged Tenants Improvements and Betterments$10,000$25,000$50,000$100,000 Underground Water Seepagen/a$25,000$50,000$150,0 0 0 Unintentional Property Reporting Errors$500,000$500,000$500,000$500,000 Unnamed Locations$20,000$100,000$150,0 0 0$200,000 Utility Services Business Income$5,000$50,000$100,000$100,000 BRONZESILVERGOLDPLATINUM8 | Product Enhancements AT-A-GLANCECOVERAGEBASE LIMITBASE LIMITBASE LIMITBASE LIMITU tility Services Direct Damage$5,000$50,000$100,000$100,000 Valuable Papers and RecordsIncluded in BlanketIncluded in BlanketIncluded in BlanketIncluded in BlanketVoluntary Parting$10,000$25,000$50,000$100,000 Water Damage, Other Liquids, Powder, Molten Material Damagen/a$25,000$50,000$50,000 Windblown Debris$2,500$5,000$10,000$10,000 Worldwide Property Off Premises$10,000$45,000$75,000$100,0009 | Product Enhancements AT-A-GLANCEHANOVER COMMERCIAL LINESI ndustry-Specific EndorsementsCondominium Property Broadening Endorsement 411-0795 COVERAGELIMITSA dditional Covered PropertyIncludedAlternate Key Systems$100,000 Brands & LabelsIncludedBroadened Building CoverageIncludedBroadened Business Personal Property Coverage IncludedBuilding Limit Inflation GuardIncludedBI/EE from Dependent Properties$100,000 Catastrophe Allowance$25,000 Computer and Funds Transfer Fraud$10,000 Consequential Loss to StockIncludedContract Penalties$25,000 Debris Removal$100.

8 000 Denial of Access to PremisesIncludedE-Commerce$5,000 Electronic Data Processing EquipmentIncludedEmergency Evacuation Expense$25,000 Employee Theft including ERISA Compliance$50,000 Employee Tools and Work Clothing$10,000 Expediting Expense$25,000 Extended Business Income365 daysExtended Coverage on Property w/in 2,000 feetIncludedExtra Expense$50,000 Fire Protection Equipment RechargeIncluded10 | Product Enhancements AT-A-GLANCEPRODUCT Enhancements At-A-Glance | 11 COVERAGELIMITSFood Contamination Including Additional Advertising Expense$10,000$3,000 Forgery & Alteration$30,000 Foundations & Underground PipesIncludedInternational Air Shipments$25,000 Inventory & Loss Appraisal$100,000 Key Replacement & Lock Repair$15,0 0 0 Lease Cancellation$25,000 Leasehold Interest Tenants$50,000 Marring & ScratchingIncludedMoney & Securities$10,000 Money Orders & Counterfeit Money$10,000 Newly Acquired/Constructed Property BuildingNewly Acquired Business Personal Property $1,000,000$500,000 Newly Acquired Locations BI/EE$250,000 Non-Owned Detached Trailers$25,000 Ordinance or Law$300,000 Paved Surfaces$50,000 Pollutant Clean-Up and Removal$50,000 Preservation of Property90 daysPreservation of Property Expense$25,000 Property in Transit$50,000 Property Off Premises$100,000 PrototypesIncludedPRODUCT Enhancements At-A-Glance | 11 Hanover COMMERCIAL LINESCOVERAGELIMITSReal t y Ta x$75,000 Retail Anchor Store Business Income$150,0 0 0 Rewards Arson, Theft, Vandalism$50,000 Sales Representatives Samples$25.

9 000 Seasonal Increase Business Personal PropertyIncludedSewer Backup$100,000 Soft Costs$10,000 Temporary Relocation of Property$50,000 Tenant Glass$10,000 Tenant Relocation$25,000 Tenant Replacement Expense$50,000 Theft Damage to BuildingIncludedTransit Business Income & Extra Expense$50,000 Undamaged Tenants Improvements & Betterments$25,000 Underground Water Seepage$25,000 Unintentional Property Reporting Errors$500,000 Unnamed Locations$100,000 Utility Services Direct DamageUtility Services Business Income$50,000$50,000 Voluntary Parting$25,000 Water Damage, Other Liquids, Powder or Molten Material Damage$25,000 Windblown Debris$5,000 Worldwide Property Off-Premises$45,00012 | Product Enhancements AT-A-GLANCEPRODUCT Enhancements At-A-Glance | 13 Coverages Included within a $250,000 Blanket Limit of InsuranceAccounts Receivable, Deferred Payments, Fine Arts, Fire Department Service Charge, Movement of Property, Outdoor Property, Personal Effects & Property of Others, Research & Development Documentation, Valuable Papers & Records (other than Electronic Data)NOTABLE NEW COVERAGES Computer and Funds Transfer Fraud This coverage pays for loss of and damage to money , securities and other property following and directly relat