Hanover Retail Advantage targets a wide range of retailers who are financially stable and have been in business for a minimum of three years. They can have incidental service, repair and installation exposures and multiple location risks. Our appetite for retail varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities.
Clothing and accessories
- Jewelry
- Shoe stores
- Women's and men's clothing
Food, beverage and health stores
- Bakeries
- Health
- Liquor, beer and wine
- Optical goods
- Specialty foods
Building and home furnishings
- Building materials
- Floor covering
- Furniture stores
- Hardware home centers
- Home furnishings
- Nursery/lawn and garden
Miscellaneous store and non-store retailers
- Art dealers
- Auto parts stores
- Books/periodicals
- Fabric
- Florists
- Fuel oil dealers (ME, NH, VT and MA)
- Gift/novelty
- Mail order/electronic shopping
- Musical instruments
- Office supplies
- Sporting goods
- Other non-store retailers
General merchandise
- Department stores
- Discount merchandise
- Electronics and appliances
Additional capabilities
In partnership with Hanover Healthcare, we can offer account-focused solutions for retailers who supply medical products such as:
- Pharmacies
- Druggists
Visit Hanover Specialty Excess & Surplus for additional classes eligible for non-admitted coverage.
Not in appetite
- Car, truck, motorcycle and boat dealers
- Childrens' clothing
- Pet supplies
- Rental/leasing of any kind
- Tobacco shops
- Toy and hobby
- Used merchandise
- Vending/ machine operators
Visit the SmallComm Solutions portal for detailed appetite information for small commercial retail risks.
Property and general liability
Property
- Selection of base property broadening endorsements that add or enhance more than 65 coverages
- Enhanced building and personal property definition
- Outdoor property
General liability
- Suite of general liability broadening coverage that add or enhance over 20 coverages
Additional coverage options
- Business owner’s policy
- Equipment breakdown coverage
- Spoilage and contamination coverage
- EDP – processing equipment
- Automobile
- Umbrella
- Workers’ compensation
Visit Hanover Specialty Excess & Surplus for non-admitted property and casualty coverage.
Professional and executive lines
Professional and executive lines
Surety
Surety
Commercial surety bonds including:
- Court bond
- Lease bond
- Workers’ compensation bond/self-insurance bond
- Utility guarantee bond
- Lottery bond
- Liquor liability or tax bond
- Sales tax bond
Hanover Retail Advantage protects against the unique risks faced by human service organizations. Unlock the Hanover advantage.
Risk management services
We assist customers with a burglary prevention checklist, a fall prevention checklist, distracted driving prevention, electrical preventive maintenance for small businesses, preventing costly electrical system problems and more.
Competitive products
Our innovative and comprehensive product suite provides options designed to fit current and future needs, including:
- Account-focused solutions
- Industry-specific broadening endorsements
Dedicated claims team
Our claims teams have years of industry expertise and experience handling the unique types of claims retailers can face. We employ experts in the fields of water mitigation, subrogation, risk transfer, litigation management, nurse and legal analysis, accounting, and SIU.
Significant experience
We have expert, local underwriting resources with national product claims and loss control services, all supported by regional experts.
Risk Solutions partnership
Our partners offer criminal background checks, disaster recovery planning, testing and inspection of alarm systems and 24/7 monitoring, employment screening services and more.
Trusted partner
We offer the support and financial strength of an "A"-rated leading insurance carrier.
Hanover Retail Advantage targets a wide range of retailers who are financially stable and have been in business for a minimum of three years. They can have incidental service, repair and installation exposures and multiple location risks. Our appetite for retail varies by state, size of risk and line of business. Please contact your local underwriter to discuss specific opportunities.
Additional capabilities
In partnership with Hanover Healthcare, we can offer account-focused solutions for retailers who supply medical products such as:
- Pharmacies
- Druggists
Visit Hanover Specialty Excess & Surplus for additional classes eligible for non-admitted coverage.
Not in appetite
- Car, truck, motorcycle and boat dealers
- Childrens' clothing
- Pet supplies
- Rental/leasing of any kind
- Tobacco shops
- Toy and hobby
- Used merchandise
- Vending/ machine operators
Visit the SmallComm Solutions portal for detailed appetite information for small commercial retail risks.
Industry resources
Resources for your customers
Our Risk Solutions program includes onsite and remote assessments, on-demand learning, self-service tools and custom action plans that address the complex demands and issues facing your clients in the human services industry.
Worker safety protection program
See all of our Risk Solutions resources for retail organizations
Customer tools
Let's start a conversation today
Contact a member of our team to learn more about our coverage and services, and how we can help you tailor a solution for you and your clients.
Property and casualty
Anna Stephanos
Assistant Vice President, Industry Solutions
770-353-6043
astephanos@hanover.com
Marine and industrial property
Chris Zaneski
Vice President, Distribution Management
240-638-5706
czaneski@hanover.com
Professional and executive lines
Greg Ketay
Vice President, Distribution Management
630-760-3045
gketay@hanover.com