School Insurance is complicated.
Learn from the best.
T h e r e g i o n a l d i f f e r e n c e
The Hanover Insurance Group differs from other insurance carriers. As a leading regional insurance carrier, we pride ourselves in providing our customers with exceptional services and programs designed to complement insurance coverages. Knowing what customers need and offering competitively-priced insurance products is only part of the formula — providing value-added services and programs is what sets The Hanover apart from other insurers. The
Avenues™Education Advantageoffers schools many valuable services and programs, including:
Value-added
Services & Programs
from The Hanover
Avenues
™Education Advantage
School Insurance is complicated.
Learn from the best.
Our policy is perfor
mance.
™
■ Claims
■ Loss Control
L o c a l C l a i m s P r o f e s s i o n a l s
The Avenues Education Advantage Claims team, headed up by a Claim Manager, based in Indianapolis, is comprised of experienced and high-caliber claims professionals, including field adjusters, appraisers, nurses, administrative personnel, and special investigators. The Claims team works closely with our staff attorneys, based in Indianapolis and South Bend, to resolve claims quickly and fairly. In addition to our own staff counsel, The Hanover has partnered with a prestigious law firm that is well versed in educational law and knows Indiana’s legal landscape.A C o l l a b o r a t i v e A p p r o a c h
Loss Control Specialists from The Hanover working in collaboration with Claims Adjusters, help educational institutions make better decisions every day by putting in risk control and best practices that diminish exposures. Our Claims and Loss Control teams work together to help schools make better risk management decisions to help diminish their exposures. Our goal at The Hanover is to ensure that our school clients receive world-class service and guidance from the best team around.
L o s s C o n t r o l
The mark of an exceptional insurance company is its ability to help clients avoid a loss in the first place. Because today’s schools face enormous risks complicated by dwindling budgets, The Hanover offers a comprehensive Loss Control program that is designed to help schools minimize their risks and have a positive effect on premiums and deductibles.
E x c e l l e n t a d v i c e f r o m e x p e r t s
No matter what size an educational institution is, accidents can be devastating in terms of lost time and precious resources. School risks range from the simple to the complex — property safety, emergency preparedness, playgrounds, transportation issues, special education issues, athletic-related activities, Internet, computer data and equipment, and more. Our localized Loss Control specialists can help schools of all types reduce their exposures by customizing loss control services to meet individual school needs. Our team delivers professional loss control audits and advice ranging from simple signs and tags to complete prevention plans. Best of all, these services are at no additional charge to our policyholders.Continued on Back » ■ School Safety Resources
■ Materials Program
■ Fleet Safety Program
■ Playground Inspections ■ Emergency Planning ■ Vocational Safety ■ Hazards
Loss Control
Loss Control
A u t o & H o m e D i s c o u n t P r o g r a m
The Avenues Education Advantage program from The Hanover offers school employees attractive discounts on automobile and home insurance coverage to employees of covered schools. This program is used by many types of schools as an incentive to attract and retain employees.The Hanover offers convenient electronic funds transfer services to pay premiums, and fast, professional claims services 24 hours per day throughout the year.
A v a i l a b l e c o v e r a g e s
Covered school employees can save on a variety of coverages including:
A d d i t i o n a l d i s c o u n t s
Once enrolled in the program, school employees can take advantage of additional coverage discounts, saving even more money.
Continued on Back » ■ Auto ■ Home ■ Renters ■ Boaters ■ Condos
Loss Control
Loss Control
Our policy is perfor
mance.
™
H o w t o p r o t e c t s c h o o l s
First, make sure adequate insurance protection is in force in the event of a student or employee injury on your premises, property damage, or vehicle accident. Second, be proactive in establishing comprehensive loss control procedures and precautions. Our Fleet Safety Program, for example, can help drive down commercial vehicle insurance costs. Workers’ Compensation costs can be controlled through establishing a safer work environment for all employees. The Loss Control teams from The Hanover can help tailor specific programs in many areas.
Our experienced, localized consultants offer: ■ On-site visits/inspections
■ Loss Control counseling and proactive risk control philosophy
■ Complete loss-prevention programs
■ Do-it-yourself employee education models
■ A cooperative approach to worksite safety, including teaching schools to conduct their own premises inspections and implement other loss prevention measures
■ Communication programs, including access to a plethora of loss control and safety information
■ Industrial hygiene and environmental safety
■ Informative seminars
The Hanover Insurance Company
440 Lincoln Street, Worcester, MA 01653
Citizens Insurance Company of America
645 West Grand River Avenue, Howell, MI 48843
A d d i t i o n a l d i s c o u n t s c o n t ’ d
The Hanover also offers loss-free credits, as well as credits for buying both home and auto insurance. What’s more, you can purchase auto and homeowners insurance from The Hanover at special rates.
■ Multi-policy ■ Multi-automobile ■ Anti-theft devices ■ New home ■ Non-smokers ■ Anti-lock brakes ■ Deadbolt locks ■ Fire extinguishers ■ Newer homes
The Hanover Insurance Company
440 Lincoln Street, Worcester, MA 01653
Citizens Insurance Company of America
645 West Grand River Avenue, Howell, MI 48843
w w w . H a n o v e r . c o m
115-1021 (3/06)
Policies are underwritten by Allmerica Financial Alliance Insurance Company, Allmerica Financial Benefit Insurance Company, The 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 American Insurance Company, Hanover Lloyd’s 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.
This material may contain or offer a brief description of coverages and programs. Actual coverages may vary by state. Options and credits are not available in all states. For exact terms, conditions, exclusions and limitations, please refer to your policy or contact an Agent of The Hanover. Avenues, The Hanover Insurance Group with Eagle icon, and “Our Policy is Performance” are trademarks of The Hanover Insurance Group, Inc.
