Hanover Commercial Lines General Liability and Umbrella ...

1 ContinuedHanover Commercial LinesGeneral Liability and Umbrella ProductsAt The Hanover , we understand that when your customers don t fit a Business Owner s Policy, finding the right Commercial Package solution is important. Our suite of General Liability and Commercial Umbrella offerings were designed to help fully protect your customers against costly damage, injury and suits brought against Liability Broadening EndorsementsThe Hanover s General Liability broadening endorsements are issued as a suite of coverages. When you include General Liability broadening coverages as a part of your client s insurance solution, it will consist of two endorsements: Base Broadening endorsement Includes 13 coverages and enhancements common across all industries, such as Knowledge of Occurrence, Liberalization Clause and Unintentional Failure to Notify. Industry-specific or General enhancement endorsement Further enhances the base broadening endorsement to meet challenging exposures.

2 Our specialized industry-specific enhancement endorsements provide your clients with enhanced coverage in the areas their business needs most. Our industry-specific enhancement endorsements include: Amateur Sports Contractors Educational Institutions Health & Fitness Healthcare Human Services Manufactured Housing Real Estate Religious Institutions Technology SEGMENT BANDWhy The Hanover ?The Hanover is a leading property and casualty insurance company dedicated to achieving world-class performance. Our commitment is to deliver the products, services, and technology offered by the best national companies with the responsiveness, market focus, and local decision making of the best regional companies. This powerful combination has been a proven success since our founding in 1852, and all insurance company subsidiaries are rated A (Excellent) by Best products are underwritten by The Hanover Insurance Company or one of its insurance company subsidiaries or affiliates ( The Hanover ).

3 Coverage may not be available in all jurisdictions and is subject to the company underwriting guidelines and the issued policy. This material is provided for informational purposes only and does not provide any coverage. For more information about The Hanover visit our website at 2016 The Hanover Insurance Group, Inc. All Rights Hanover Insurance Company440 Lincoln Street, Worcester, MA 01653 The Agency Place (TAP) (1/16) Hanover Commercial LINESHow General Liability Options WorkCommercial Follow Form Excess and UmbrellaThe Hanover s Umbrella product offers your clients the extra protection they need in the event of a catastrophic loss, with limits that go beyond your client s scheduled General Liability , Commercial Auto and Employers Liability . The coverage is provided through a Coverage A/Coverage B format: Coverage A Follow Form Excess Liability Follow Form coverage is provided when underlying insurance is scheduled to the policy under Coverage A.

4 Eliminating potential gaps in coverage Coverage B Umbrella Liability Provides traditional Umbrella coverage in excess of a retained limit How the Umbrella Liability Coverages WorkLearn MoreContact your local Small Commercial Sales Manager or Small Commercial Underwriter to learn more about our Commercial Package OFGENERAL LIABILITYBROADENINGCOVERAGESISO 2012 Commercial GENERALLIABILITY COVERAGE FORMS BASE Commercial General LIABILITYBROADENING ENDORSEMENTI ncludes 13 coverages common across industriesINDUSTRY-SPECIFICENHANCEMENTEN DORSEMENTI ndustry-specific endorsementenhances base coverages tomeet common industrycoverage concernsGENERALENHANCEMENTENDORSEMENTF urther enhances basecoverages to meetchallenging exposuresORCOVERAGE A AND COVERAGE B Coverage A follows the terms, exclusions, conditions, and limitation of the underlying coverages Coverage B pays loss that is not covered or excluded by Coverage A, in excess of a retained limit Provides all underlyingcoverages and exclusionsas scheduled without theneed for seperately filedendorsementsCOVERAGE AINSURINGAGREEMENTF ollow Form ExcessUmbrella portion drops overSelf-Insured RetentionCOVERAGE BINSURINGAGREEMENTU mbrella