Rhode Island
Appetite Guide
The Hanover offers agents the capabilities of a national carrier combined
with the localized service, quick decision making, and on-the-ground
expertise of a regional carrier. Our highest priority is helping our agents
win in their local marketplace, so our focus is on products and services that
do just that. We offer over 20 distinctive industry products and, when you
include our general business offering, an even broader appetite. While we
bring you our expertise for all of our industries, we are also focusing on
those businesses that are most relevant in our local marketplace, working
closely together with you to create a winning partnership for your customers.
This Local Appetite Guide focuses on those businesses where we know we
have the highest potential of making a difference in our local market.
Target Industries
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Craft brewers
We offer Craft Brewers comprehensive insurance solutions that include standard lines as well as specialized coverages, including Property Broadening Endorsement, Brewers and Vintners Spoilage and Contamination Coverage, General Liability Broadening Endorsement, Products Liability Expense, Special Events Coverage and Liquor Liability Coverage.
Craft Brewers that import, brew, package, and deliver their goods to a variety of markets
• Contract Breweries
• Micro Breweries
• Regional Breweries
• Regional Craft Breweries
• Selected Brew Pubs
All Agents
Cultural Institutions
We offer Cultural Institutions comprehensive insurance solutions that include standard lines and specialized coverages, including Cultural Institutions Property Broadening Endorse-ment, Abuse & Molestation, Emergency Event Management Coverage, Additional Supplementary Payments, Hospitality Services Errors & Omissions, Special Events Coverage, Historic Building Valuation Clause, and Commercial General Liability Broadening Endorsement.
We target a wide variety of smaller Cultural Institutions whose total insured value, including collections, is less than $50 million. Included are:
• Botanical Gardens & Arboreta
• Historical — Including Sites, Buildings, Societies
• Libraries — Including Public, Private, Law, Corporate, Research and others
• Museums — Including History, Art, Children’s, Science, Transportation and others
All Agents
hospitality
We offer Hotels and Motels comprehensive insurance solutions that include standard lines as well as specialized coverages, including Hospitality Services Errors & Omissions, General Liability Broadening Endorsement, Restaurant Medical Payments, Supplemental Payments, Liquor Liability, Hospitality Property Broadening Endorsement and Emergency Event Management Coverage.
• Mid to high-priced hotels that are franchise-owned and cater to the business traveler
• Boutique Hotels
• 150 rooms or less
Hanover Middle Market
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human services
We offer Human Services comprehensive insurance solutions that include standard lines as well as specialized coverages. These include the Human Services Property Broadening Endorsement, Human Services General Liability Broadening Endorsement, Abuse & Molestation, Professional Liability, Human Services Additional Insured Endorsement, Human Services Broaden Named Insured, Supplemental Payments — Human Services, Modified Athletic Activities — Med-Pay, and Excess Med-Pay.
Wide range of Human and Social Service agencies, including:
• Developmental Disabilities
– Day Programs, Workshops, Vocational Services, Group Homes, and Supportive Services
• Addiction Treatment
– Outpatient Counseling, Residential Treatment Facilities, Supportive Services, and Detox and Recovery Services
• Mental Health
– Outpatient Counseling, Supported/Transitional Living, Residential Treatment Facilities, and Crisis Intervention
• Youth Services
– Youth Groups/Services, Head Start Programs, Foster Care, and Mentoring Programs
• Aging Services
– Senior Centers, Meals on Wheels, Adult Day Care, and Non-medical Home Care
• Community Services
– Food Banks, Soup Kitchens, Thrift Stores, Homeless Shelters, and Community Action Organizations
Select Agents
Media
We offer Media Service Businesses comprehensive insurance solutions that include standard lines as well as specialized coverages, including Printers’ Errors & Omissions, Property Broadening Endorsement and Broadcast Equipment and Towers Property.
Wide range of Media Services and content providers (but excludes large entertainment risks and all cable/satellite service providers) including:
• Advertising Agencies — regional and local agencies who plan, create, and manage ad campaigns
• Broadcasters — Radio, TV and Cable Program Networks (with or without towers, antennas, and satellite dishes)
• Multimedia and Motion Picture Companies — small and regional production and distribution
• Publishers — books, periodicals, newsletters, and newspapers
All Agents
Medical Facilities and hospitals
We offer Medical Facilities (Outpatient Care Facilities) comprehensive insurance solutions that include Commercial Package, Auto, Workers’ Compensation and Umbrella, plus specialized coverages, including the Medical Office Property Broadening Endorsement, E-commerce Endorsement and Data Breach Coverage. In addition, we offer Hospitals (Inpatient Care Facilities) property and auto coverage.*
Outpatient Care Facilities, including:
• Ambulatory Emergency Centers
• Medical & Diagnostic Laboratories
• Offices of Doctors, Dentists, etc. Inpatient Care Facilities, including:
• General Medical Hospitals, Surgical Hospitals and Specialty Hospitals (excluding biotech and long-term research)
All Agents
Metalworkers
We offer Metalworkers comprehensive insurance solutions that include standard lines as well as specialized coverages, including Manufacturer’s Property Broadening Endorsement, E-commerce Endorsement, Foreign Dependent Properties, General Liability Broadening Endorsement, Manufacturer’s Errors & Omissions, Product Withdrawal Services, and Global General Liability.
Machine shops and other Metalworkers that make:
• Finished Products that are not electrified
• Low- to Moderate-hazard machinery
• Non-critical parts, components and assemblies
All Agents
Endorsement, E-commerce Endorsement, Foreign Dependent Properties, General Liability Broadening Endorsement, Manufacturer’s Errors & Omissions, Product Withdrawal Insurance, and Global General Liability.
• Forming
• Molding
Printers
We offer Printers comprehensive insurance solutions that include standard lines as well as specialized coverages. These include Property Broadening Endorsement, Graphic Arts Coverage Extension, E-commerce Endorsement, Foreign Dependent Properties, Global General Liability, Printers’ Errors & Omissions, Cost to Correct Services, General Liability Broadening Endorsement, and Direct Mailing.
Printers that perform printing services for commercial and private customers primarily using:
• Flexography
• Graphic Artists
• Gravure & Relief Printing
• Inkjet and Laser Digital Printing
• Letterpress • Lithography (offset) • Photo Engraving • Quick Print • Screen Printing • Typesetting All Agents Professional services
We offer businesses that provide Professional Services comprehensive insurance solutions, including standard lines as well as specialized coverages. These include a Property Broadening Endorsement, E-commerce Endorsement, Data Breach Coverage, Tenant’s Improvements and Betterments included in Personal Property, General Liability Broadening Endorsement, Global General Liability Broadening Endorsement, Electronic Data Processing, and Valuable Papers.
Accounts that provide Professional Services, primarily operating from an office environment, including:
• Accounting, Tax Preparation, Payroll and Bookkeeping Services
• Architects, Engineers and Surveyors (except construction management)
• Consultants
• Design Services
• Document Preparation Services
• Lawyers & Notaries (less than 250 attorneys)
• Research & Development Services (except biotech or clinical trials)
• Testing Laboratories (except clinical trials)
• Travel Agencies (except adventure tours or tours in insecure locations)
All Agents
real estate
We offer Real Estate Companies and high-end condo/co-op owners associations comprehensive insurance solutions that include standard lines as well as specialized coverages, including Contingent Property Coverage, Builders Risk and Emergency Event Management Coverage.
Commercial Real Estate Companies with a majority of their income generated by rents and fees from the following real estate types:
• Office
• Retail
• Light Industrial Properties (examples include the manufacture of clothes, shoes, furniture, consumer electronics, household items; excluded are properties with any type of heavy machinery, welding operations, cranes or hazardous materials)
• Incidental higher hazard real estate exposures that are part of an otherwise eligible schedule, including residential properties
Hanover Middle Market
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records storage & destruction
We offer a specialized insurance solution for Records Storage & Destruction companies that includes standard lines as well as specialized coverages including Professional Liability, Physical Record Loss or Damage, Mobile Equipment Coverage including breakdown. In addition, we provide Data Breach Coverage, including risk management assessment and prevention through Identity Theft 911, a nationally known data breach expert.
• Independent Contractors
• Mobile Shredding Equipment
• Premises based Shredding and Baling Equipment
• Records Storage in connection with Moving and Storage Operations
• Storage Warehouses
• Transportation Equipment including Document Courier Services provided in connection with storage
Select Agents
religious Institutions
We offer Religious Institutions comprehensive insurance solutions that include standard lines, Marine products, and specialized coverages, including Pastoral Professional Liability, Religious Institutions Directors, Officers & Trustees Liability (including optional Employment Practices Liability and Teacher’s Professional Liability), Sexual Misconduct & Molestation Liability, Commercial Property Extensions, Religious Institution Extra Coverage, Property Broadening Endorsement, Broadcasters, Telecasting, and Publications Professional Liability.
All types of houses of worship, including:
• Chapels
• Churches
• Churches with Private Schools
• Mosques
• Religious Congregations with community-based activities, such as Sponsored Youth Programs, Child Care, Charitable Work in Community
• Synagogues & Temples
Select Agents
retail
We offer Retailers comprehensive insurance solutions that include standard lines as well as specialized coverages, including Equipment Breakdown Coverage, Enhanced Building Definition, Property Valuation Options, Change in Temperature or Humidity, and Inland Marine.
Retailers of merchandise generally used for personal or household consumption.
Examples are:
• Automotive Parts & Accessories Stores
• Book & Magazine Stores
• Clothing Stores
• Furniture Stores
• Nursery & Garden Centers
• Shoe Stores
Service, repair, and installation exposures must be only an incidental portion of the operation.
All Agents
technology
We offer Technology Businesses a highly specialized comprehensive insurance solution that includes standard lines as well as specialized coverages including Technology Errors & Omissions, Data Breach, Marine, Fidelity, Directors & Officers, Employment Practices Liability and more.
A wide range of Technology Businesses, including:
• Electronics Manufacturers such as printed circuit board assembly, computers and computer peripherals, telecommunication equipment, and consumer electronics manufacturing
• Information Technology (IT) Service Providers such as programmers, computer consultants, prepackaged software and systems integrators
• Telecommunications Service Providers such as voice, video, and Internet communications services
Coverage, E-commerce Coverage Endorsement, Inland &
Ocean Marine. • Clothing
• Electronic Parts
• Flowers, Nursery Stock & Florists
• Furniture
• Medical, Dental & Hospital Equipment
• Motor Vehicle Parts
• Office Equipment
• Plumbing & Heating Equipment
• Printing & Writing Paper
• Refrigeration Equipment
Discretionary
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Chauffeured transportation
We offer Chauffeured Transportation and Limousine Businesses comprehensive insurance solutions that include standard lines as well as specialized coverages, including Commercial Umbrella or Excess.
Professionally Chauffeured Transportation and Limousine Businesses, including private, 24 hour pre-arranged limousine operators, corporate transportation services, and airport limousines. Examples are:
• Executive Sedans
• Luggage or Transportation Vans
• Luxury or Classic
• Private Limousines
Select Agents
Contractors
We provide Contractors with comprehensive insurance solutions that include standard lines as well as specialized coverages, including the Property Broadening Endorsement and General Liability Contractors Broadening Endorsement.
Selected Trade & Artisan Contractors including:
• Electrical Contractors
• Floor Laying
• Furniture/Fixture Installation
• Glass & Glazing Contractors
• HVAC — Commercial & Residential
• Irrigation/Drainage System Construction
• Landscape
• Masonry & Stone Contractors
• Painting — Interior
• Plumbing — Commercial & Residential
• Tile, Marble, Terrazzo & Mosaic
• TV, Radio, Home Theater Installation
• And Others
Hanover Middle Market
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elder Care
We offer comprehensive insurance solutions for property and auto exposures for all types of Elder Care Facilities as well as specialized coverages, including Assisted Living/Nursing Home Broadening Endorsement, Emergency Event Management Cov-erage, E-commerce Endorsement and Data Breach Coverage.
• Assisted Living Facilities
• Continuing Care Facilities
• Nursing Homes
All Agents
Food Industries
We offer Food Industries comprehensive insurance solutions that include standard lines as well as specialized coverages, including Equipment Breakdown Coverage, Food Spoilage/ Contamination Coverage, Change in Temperature or Humidity, and Products Recall.
Food Industries engaged or involved in the processing and packaging as well as wholesale and retail distribution of food, produce, and beverages ranging in size from multinational corporations to family owned businesses.
• Bakeries
• Beverage Manufacturers
• Candy Manufacturers
• Cereal Manufacturers
• Coffee & Tea Processing
• Cookie & Cracker Manufacturers
• Dairy Products
• Fruit & Vegetable Processing
• Seasonings & Dressing Manufacturers
All Agents
Moving & storage
We offer Moving & Storage Companies comprehensive insurance protection that includes standard lines, Marine products, and specialized coverages, such as Transportation of Household Goods within the coverage territory, storage in transit at unnamed locations, storage of household goods at described locations, moving equipment owned by the Insured and equipment leased to, rented by or borrowed by the Insured and many more.
Companies focused on house-to-house, office-to-office or other specialized moves. We also target Records Storage & Destruction companies.
Select Agents
restaurants
We offer Restaurants comprehensive insurance solutions that include standard lines as well as specialized coverages, including Equipment Breakdown Coverage, Liquor Liability, Food Spoilage/Contamination Coverage, Expanded Medical Payments and Products Recall.
A wide range of establishments that have been in business for a minimum of five years and with liquor sales less than 30% of overall sales, including:
• Family Style
• Full Table Service
• White Linen
• And Others
MIddle Ma rk e t underW r Iters
lisa Cologgi
senior Middle Market underwriter
860-368-5020
[email protected]
terry Paprzyca
senior Middle Market underwriter
860-368-5037
[email protected]
Melody riendeau
senior Middle Market underwriter
860-368-5073
[email protected]
John Wargo
senior Middle Market underwriter
860-368-5021
[email protected]
stacey dow
Middle Market underwriter
860-368-5043
[email protected]
Chris Monks
Middle Market underwriter
860-368-5054
[email protected]
the hanover has just the right mix of expertise, appetite,
and specialty products to help you take maximum advantage
of it. Contact your Middle Market underwriter listed below
for more information or to submit accounts for quotation.
w w w . h a n o v e r . c o m
The Agency Place (TAP) — https://tap.hanover.com
This material offers a brief description of coverages and programs and is provided for informational purposes only. Actual coverages may vary by state. Options and credits are not available in all states. For exact terms, conditions, exclusions, and limitations, please contact The Hanover branch nearest to you.
Policies are underwritten by one or more of the following: Allmerica Financial Alliance Insurance Company, Allmerica Financial Benefit Insurance Company, Citizens Insurance Company of America, Citizens Insurance Company of Illinois, Citizens Insurance Company of the Midwest, Citizens Insurance Company of Ohio, The Hanover Insurance Company, The Hanover New Jersey Insurance Company, and/or Massachusetts Bay Insurance Company.
Florida: Policies in the state of Florida are underwritten by The Hanover Insurance Company, Massachusetts Bay Insurance Company, The Hanover American Insurance Company, and/or Allmerica Financial Benefit Insurance Company.
Avenues, The Hanover Insurance Group with Eagle icon, and “Our policy is performance” are trademarks of The Hanover Insurance Group, Inc. All other trademarks are the property of their respective owners.
the hanover Insurance Company
440 Lincoln Street, Worcester, MA 01653
Citizens Insurance Company of america
645 West Grand River Avenue, Howell, MI 48843