LimitedVerified Q1 2026
Source: Hanover Insurance – Business Insurance
Hanover Insurance: Healthcare Offices Insurance Appetite
Hanover can only handle the property and GL side of non-clinical healthcare operations. Any practice with patient contact needs malpractice from CNA, The Hartford, or a specialty medical market. Geographic limitations further narrow their usefulness. Best as a supporting carrier for administrative healthcare businesses in the Northeast.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
Premium Range
$2,000-$10,000
Typical annual premium
Target States
36 states (strongest in Northeast and Mid-Atlantic)
Key Features
- BOP for non-clinical healthcare offices and administrative facilities
- Workers' comp for medical office clerical and administrative staff
- Property coverage for medical office buildings and equipment
- Can cover medical billing, health IT, and healthcare consulting firms
Limitations
- No medical malpractice or professional liability for practitioners
- Clinical practices, surgical centers, and labs are excluded
- Pharmacies and veterinary offices need specialty programs
- Not available in 14 states
Compare Other Carriers for Healthcare Offices
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ERGO NEXT InsuranceLimited
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The HartfordPreferred
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AcuityStandard
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Erie InsuranceStandard
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biBERKPreferred
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BTISStandard
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Pie InsurancePreferred
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NationwideLimited
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Liberty MutualLimited
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Cincinnati FinancialLimited
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Auto-Owners InsuranceLimited
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