The Hanover Enhances Education Advantage Product Suite

PRODUCT: Hanover Education Advantage Suite

COMPANY: The Hanover Insurance Group, Inc.

BEST RATING: A (Excellent)

AVAILABILITY: Coverage is available to all Hanover‑appointed agents and brokers.

FOCUS: As exposures and risks for educational institutions continue to evolve, demands on school resources are at an all‑time high—particularly when it comes to keeping students and staff safe.

The Hanover responds with an enhanced education product designed to give educators a total solution for all their insurance needs: The Hanover Education Advantage product suite, which includes coverage for property, auto, employees and enrollees, and more.

“The coverage can be adapted to meet the needs of each individual insured,” explains Diana M. O’Brian, assistant vice president, industry solutions. “The enhancement gives the company’s agent partners more opportunities to tailor insurance protection to the needs of their clients.”

Coverage includes:

School and educators legal liability, with expanded deductibles and deductible types, a separate aggregate limit for employment practices liability, enhanced coverages for professional services and broader language related to Title IX civil rights claims. It also includes protection for special liability risks, such as defense coverage outside the limits of liability.

Directors & officers liability, now a separate coverage with a broadened definition of “insured,” including protection for estates, heirs, committee members, parent‑teacher organizations and more.

Incidental professional liability, broadened for bodily injury claims resulting from incidental professional services rendered. It now includes hired professionals providing professional health care services, student health centers, infirmaries and clinics.

Key employee replacement expense coverage, which provides reimbursement for expenses of replacing key scheduled employees due to sudden and accidental death or permanent disability.

With this enhancement, The Hanover also continues to offer numerous risk management resources for education customers, including specialized training for educators, Title IX e‑learning portals and mandated reporter courses.

According to O’Brian, the company also partners with a variety of vendors to offer cost‑effective training solutions for education customers, including ImPACT, a concussion management tool, and ALICE, an active shooter response training program.

“With these enhancements, our agent partners are able to provide even more value to their customers, setting their businesses apart in their markets,” O’Brian says.

UNDERWRITING: Hanover Education Advantage coverage includes commercial property, commercial general liability, commercial auto, workers comp, and employment practices liability protection for first and third parties, as well as commercial umbrella coverage available up to $25 million.

The company’s umbrella protection includes excess limits for abuse and professional coverages, while Hanover GlobalReach provides international capabilities specifically designed for educational institutions for study abroad programs and school trips.

The flexible product design offers customization options for each individual insured, with base property broadening endorsements that add more than 65 separate coverages, including personal effects of students, paved surfaces, pollutant cleanup and removal, fundraiser business income and more.

Additional endorsements are available for exposures such as equipment breakdown, data breach, emergency event management, educators legal liability, sexual misconduct and sexual molestation, law enforcement, and employee benefits liability.

TARGET: The product is designed for a wide range of teaching organizations, including charter schools, small colleges or universities, private K‑12 schools, schools associated with religious institutions, specialty schools, vocational schools and trade schools.

Ineligible risks include, but are not limited to: apprenticeship trade programs, aviation curriculums, nursery schools or day care programs not associated with an otherwise eligible school, commercial bus contracting companies, commercial driving training entities and fraternal organizations.

COVERAGE TERRITORY: The product is available in all U.S. states except Hawaii. Most first‑party coverages are available in the U.S. and its territories. Most third‑party coverages are available worldwide for suits brought in the U.S. Consult contract language for specific details. Foreign admitted coverages can be facilitated by a Hanover underwriter and placed with local admitted carriers.

CONTACT: Appointed agents can contact their Hanover underwriter. If agents are interested in an appointment, please contact the regional vice president of their local office.

Jacquelyn Connelly is IA senior editor.