PRODUCT: Hanover Healthcare Facilities Advantage

COMPANIES: The Hanover Insurance Group Inc.

BEST RATING: A

AVAILABILITY: Appointed agents and brokers only.

FOCUS: Hanover Healthcare Facilities Advantage offers a multiline solution that includes professional liability, general liability, property, automobile umbrella and workers compensation coverage.

“With our coordinated insurance solution, we're able to offer broader, more cohesive protection for health care facilities which helps reduce coverage gaps and provides a more seamless insurance experience," says Eric Paynter, president of healthcare at The Hanover Group.

COVERAGE DETAILS: The Hanover's underwriters, risk managers and claims specialists are all seasoned experts, many of whom have worked in hospitals, assisted living facilities, rehabilitation settings and other health care organizations.

Coverage highlights include:

• Professional liability. The cornerstone of the solution is a professional liability policy with a broad definition of covered health care services, enterprise-wide coverage for licensed health care professionals with the option to add physicians, and incident-sensitive coverage to help organizations stay ahead of evolving claims.
• Employee theft of client property. Provides coverage for loss of or damage to a client's money, securities or other property caused by employee theft.
• Abuse and molestation. The Hanover's physical abuse, sexual misconduct or sexual molestation liability endorsement amends the general liability policy to provide coverage for legal expenses incurred by facilities for accusations brought against an employee.
• Public relations expense. Provides reimbursement of public relations expenses related to an emergency incident.

UNDERWRITING: Rating factors depend on the class of business, but the most commonly used are revenue and number of visitors. Specialized supplemental applications for many classes are preferred, but The Hanover can also quote based on a competitor application. Limits of liability range from $1 million on a primary policy to $10 million on an umbrella basis.

TARGET: The focus is on a wide range of small and medium-sized facilities, including ambulatory surgery centers, behavioral health centers, community health centers, convenience care clinics, urgent care clinics, imaging centers, dialysis centers, hospice homes, medical laboratories, oncology, physical, occupational and speech therapy, and student health centers.

COVERAGE AVAILABILITY: All U.S. states.

COVERAGE TERRITORY: Worldwide.

CONTACT: Eric Paynter, president of healthcare, The Hanover Group; 804-673-5568.

Will Jones is IA editor-in-chief.