Workers' compensation
In combination with workers' compensation coverage, Hanover Risk Solutions offers a proactive approach to help avoid or minimize accidents and injuries.
In addition, our claims management program helps employees get healthy and back to work quickly. Our combination of coverage and service will help ensure your customers are well prepared and protected.
Our offering provides a broadening endorsement at no additional cost that extends the standard workers’ compensation policy. The broadening endorsement features seven additional coverages to meet the needs of your customers. Highlights include:
- Voluntary workers’ compensation and employers’ liability coverage: coverage extends benefits provided by the state regulatory workers’ compensation act to include those traveling on business, who may not otherwise be covered*
- Other states' insurance: if our customer has work in any state not listed on the policy, they will automatically be afforded 60 days to provide notification of the new state
- Repatriating employees: we will pay the additional expenses to repatriate an employee to the United States of America as a result of bodily injury to the employee
- Employers’ liability stop gap coverage: included for businesses with operations in North Dakota, Ohio, Washington and Wyoming
- Unintentional failure to disclose hazards: provides coverage for hazards that were unintentionally not disclosed when the policy was written
In addition, with the increase in world-wide travel and business operations, we offer foreign coverage options to properly protect employees while temporarily traveling for business outside of the United States.
*Available by separate endorsement in CA
Coverage for global risks
In addition, The Hanover offers a solution that helps minimize gaps in coverage for your multinational clients. Be sure to review our international information for all your client’s foreign exposure needs.
The Hanover's Risk Solutions team offers expertise to minimize workers' compensation risks. Risk Solutions provides the tools and resources to mitigate risk, as well as discounted training programs from recognized partners to help keep employees safe.
The Hanover's claims services aim to get injured workers the care they need, so they can return to work as soon and safely as possible. To help meet this need, we offer a nurse triage service to get injured workers appropriate medical attention, a team to help customers navigate through the claims process and cost savings programs to support them during a claim.
The Hanover offers several billing and payment options to fit your customers’ business needs including EZ Pay, our pay-as-you-go option for workers’ compensation policies. And, all your customers’ Hanover policies can be combined onto one account bill for convenience.
Our offering provides a broadening endorsement at no additional cost that extends the standard workers’ compensation policy. The broadening endorsement features seven additional coverages to meet the needs of your customers. Highlights include:
- Voluntary workers’ compensation and employers’ liability coverage: coverage extends benefits provided by the state regulatory workers’ compensation act to include those traveling on business, who may not otherwise be covered*
- Other states' insurance: if our customer has work in any state not listed on the policy, they will automatically be afforded 60 days to provide notification of the new state
- Repatriating employees: we will pay the additional expenses to repatriate an employee to the United States of America as a result of bodily injury to the employee
- Employers’ liability stop gap coverage: included for businesses with operations in North Dakota, Ohio, Washington and Wyoming
- Unintentional failure to disclose hazards: provides coverage for hazards that were unintentionally not disclosed when the policy was written
In addition, with the increase in world-wide travel and business operations, we offer foreign coverage options to properly protect employees while temporarily traveling for business outside of the United States.
*Available by separate endorsement in CA
Coverage for global risks
In addition, The Hanover offers a solution that helps minimize gaps in coverage for your multinational clients. Be sure to review our international information for all your client’s foreign exposure needs.
Specialized solutions for small businesses
Many businesses require specialized coverage that goes beyond a standard policy. Explore how our broad portfolio of products caters to businesses of all sizes.
Quote and issue online
Quickly and easily issue a workers’ compensation policy in just minutes. Plus when you add a workers’ comp policy to a Business Owner's Advantage policy in TAP Sales, you can complete a quote in less than five minutes.
To learn more about our appetite by class for products available to quote and issue online, visit SmallComm Solutions.
To access our on-demand and live trainings, visit TAP.
Why The Hanover?
Broad coverage
National presence with the ability to write in all 50 states along with coverage for global risks to provide solutions for businesses of all sizes
Valuable risk management
On-demand access for policyholders to a wide range of tools and resources including return to work program and safety training
Expert claims services
Dedicated team of workers’ compensation specialists coupled with cost containment services to ensure employees receive the care they need and employers the best outcome
Convenient billing
With EZ Pay, our pay-as-you-go option for workers' compensation