Source: Hanover Insurance — Retail Insurance
Hanover Insurance: Retail Stores Insurance Appetite
Hanover is a strong retail market in their Northeast territory. Their BOP program handles most Main Street retail — boutiques, specialty shops, bookstores, and gift stores — with quick turnaround. The cyber endorsement is a valuable add-on. Hanover agents appreciate the account rounding credits and packaging flexibility.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Commercial Property |
| Commercial Auto |
| Cyber Insurance |
| Umbrella/Excess |
Premium Range
$1,200-$8,500
Typical annual premium
Target States
36 states (strongest in Northeast and Mid-Atlantic)
Key Features
- Comprehensive BOP with equipment breakdown and business income
- Cyber liability endorsement for retailers processing card payments
- Competitive property rates for Main Street retail operations
- Account credits for packaging multiple lines
- Fast quoting through Hanover's agent portal with minimal documentation
Limitations
- Not available in 14 states — check geographic eligibility
- Firearms dealers, vape shops, and adult retail are excluded
- Big-box retail and national chains need commercial package policy
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