Hanover Marine. Build your business by helping builders protect theirs.

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1 AG E N T M AT E R I A L Hanover Marine Build your business by helping builders protect theirs.

2 HANOVER MARINE Helping builders and their agents build the future. The Hanover is more committed than ever to developing new, lucrative opportunities to expand your business, capture new customers, enhance your relationship with existing ones, and build agency value and expertise. With an improving economy comes renewed commercial and residential building activity, creating tremendous opportunity for our agents and our company in this marketplace. In this reawakened industry, we re strengthening our stance by investing heavily in product development and underwriting talent to give our agents a competitive edge. Working together with agents who want to win and grow business, we can become the Builders Risk specialists. Solid construction, but also flexible Hanover Builders Risk, part of our broad range of Marine offerings, is the latest example of products designed to help agents differentiate themselves. This comprehensive solution features innovative coverages, specialized underwriting expertise, customizable options, superior support, and simplified implementation. Frankly, it s one of the broadest Builders Risk forms in the industry. This competitively priced solution gives agents a unique advantage to help capture more construction business. With decades of Marine experience writing the construction market, our underwriters, claims professionals, and loss control specialists fully understand the complex risks builders face. A comprehensive, customizable solution Builders Risk is yet another addition to The Hanover s calculated strategy of building a powerhouse company with national reach and a local touch. Our steadfast goal is to deliver differentiated products, specialized capabilities, expert, localized underwriters, and one-stop solutions that expand opportunities for an exclusive network of growth-minded agents. We continuously invest in products and services aimed at enhancing the value of your agency, providing great coverage for your customers, and creating a robust formula for success. Behind it all is a fast-growing, A rated, Top 25 property and casualty company with a rock-solid financial foundation. The Hanover doesn t just talk the talk. We deliver.

3 Why Hanover Marine? Top 10 Marine writer a leader in Commercial Inland and Ocean Marine products and solutions (Marine is one of The Hanover s fastest-growing lines) Ongoing Marine investment allows expansion into new marketplaces, development of new products, advanced underwriting training, ability to attract top talent Dedicated Marine team fast response to rapid product development needs; quick implementation coupled with superior service National reach local Marine experts nationwide with significant authority, focused on helping you win business with quick, intelligent, thorough solutions Full spectrum of coverages customizable products, capabilities, and services for Inland, Ocean, and Specialty Programs (the best products and services available in the marketplace) Expansive appetite Builders Risk, Contractors Equipment, Transportation, Telecommunications/Communications, Special Properties, Special Programs Pioneering solutions open to creating uniquely-tailored coverages and programs to keep pace with evolving Marine risks Proactive Loss Control and Risk Management specialists with deep Marine knowledge and technical skills who can identify trends and potential problems, and recommend solutions World-class claims services dedicated Marine claims staff with proven record of successful claims handling, earning high marks from customers; 24-hour claims response and quick turnaround on payments Indisputable proof high ratings for financial strength and claim-paying ability from A.M. Best Company, Standard and Poor s, and Moody s Strong agent partnerships committed to nurturing solid partnerships with key agencies that contribute to our Marine success

4 H A N OV E R M A R I N E The foundation of a great product We developed Hanover Builders Risk by working closely with agents and construction businesses. They told us that it needed to offer more flexible coverages based on the needs of today s builders, no matter what their size. As a result, we combined comprehensive coverage with easily customized protection, giving you the flexibility to tailor bestin-class coverage to meet your clients individual needs and budgets. This helps your agency be more customer focused and differentiate itself. The Hanover s highly experienced Construction Marine team has simplified this Builders Risk form, making it easier than ever to provide your client with outstanding service. We ve built in all types of extra coverages and endorsements while eliminating exclusionary language and confusing forms. The right coverage for every exposure Builders have different and unique exposures, which is why we don t take a cookie cutter approach. Hanover Builders Risk is designed to be completely customizable to meet a wide range of builders needs residential and commercial, new, remodel, rehab, and reporting programs. It s backed by experienced construction underwriters, expert loss control services, and a superior claims team. The Hanover fully understands the unique insurance needs for new construction or remodeling/ renovation projects: Residential Buildings Commercial Buildings (single projects or reporting policies) such as: Industrial Structures Municipal Buildings Offices Sewer Treatment and Water Distribution Plants High-rise Offices

5 Warehouses Institutional Property (schools, colleges, etc.) Roads and Bridges Beyond basic and built to last The Hanover has left nothing to chance in making sure your clients coverages are complete, costeffective, and convenient. Beyond the core policy, we ve included expanded coverage aimed at offering your clients the right protection. What makes our form better than the competition? Insufficiency of Limit Clause provides up to 10% of the Limit of Insurance (up to $1M) following a Total Loss to Covered Property Replacement Cost with No Co-insurance Broad Named Insured includes the interest of all Contractors, Sub-Contractors and Owners Delay in Completion Coverages including Soft Costs, Business Income, Loss of Rents and Extra Expense Equipment Breakdown Flood, Earthquake, and Earth Movement Coverages Available Sewer & Drain Backup Contract Penalty Expediting Expenses Ordinance or Law Coverages Business Personal Property while located at the jobsite Construction Trailers & Contents while located at the jobsite Valuable Papers and Records (such as blueprints) while located at the jobsite Pollution Cleanup and Removal Debris Removal Police & Fire Department Service Charges Emergency Removal to Protect Property Fire Suppression Recharging Expense

6 HANOVER MARINE Superior services are the finishing touch Dedicated Claims Services The Hanover s experienced and dedicated claims professionals, among the best in the business, include field adjusters, appraisers, administrative personnel, and special investigators. These highcaliber people are dedicated to resolving claims quickly, accurately, and fairly. Loss Prevention The mark of an exceptional insurance company is its ability to help clients prevent a loss in the first place. The Hanover offers a comprehensive Loss Prevention program designed to help your clients learn how to minimize their risks, which can have a positive effective on their premiums. Everything Hanover Marine in one place Providing our agents with the tools they need to succeed has always been a hallmark of The Hanover. That s why we have the new Hanover Marine agent website that allows you to quickly and easily browse through and access our extensive offerings and impressive capabilities. Everything you need to write Builders Risk business with The Hanover is just a click away Target Appetite, Application(s), Product Information, Marketing Materials, Industry links, and more.

7 Let s build something together. No insurer knows more about constructing the right coverage for today s builders and contractors than The Hanover. Contact us today to get started, and visit us online at hanover.com/marine

8 HANOVER MARINE Why The Hanover? The Hanover is a leading property and casualty insurance company dedicated to achieving world-class performance. Our commitment is to deliver the products, services, and technology offered by the best national companies with the responsiveness, market focus, and local decision making of the best regional companies. This powerful combination has been a proven success since our founding in 1852, and all insurance company subsidiaries are rated A (Excellent) by A.M. Best Company. The Hanover Insurance Company 440 Lincoln Street, Worcester, MA hanover.com The Agency Place (TAP) This material offers a brief description of coverages and programs and is provided for informational purposes only. Actual coverages may vary by state. Options and credits are not available in all states. For exact terms, conditions, exclusions, and limitations, please contact your Hanover Agent The Hanover Insurance Group, Inc (3/15) LC