Your partner for professional liability programs
As a leader in program business and a top professional liability writer, 华体会 combines strong professional liability capabilities and deep industry expertise to produce high-value insurance program solutions for your customers and prospects.
Build your book
with professional liability programs
华体会 is committed to strategic growth through innovative program partnerships. We offer a spectrum of programmatic capabilities across all standard and specialty lines, including property and casualty program offerings via Hanover Property and Casualty Programs and inland and ocean marine programs via Hanover Marine Programs. For many years, we have helped retail agents, managing general agents, managing general underwriters and associations develop tailored professional liability programs for their clients.
Take advantage of our experience and industry capabilities to help you to build a customized professional liability program around your area of expertise, affiliation or association relationship, or class opportunity.
Why 华体会 for professional liability programs?
Broad appetite
Ability to build programs for all types of homogeneous groups with similar coverage needs, from start-ups and established programs to small, mid-sized and large programs and accounts, with no pre-set minimum premium
Specialized solutions
Tailored coverage solutions are crafted by our expert professional liability underwriting and product teams on a program-by-program basis for differentiation in the marketplace, leveraging our suite of admitted and non-admitted product capabilities
Experience with RPGs
Vast experience structuring tailored insurance solutions for Risk Purchasing Groups (RPGs) to optimize coverage and pricing for RPG members
Expert service
With experience supporting more than $30 million of professional liability business, our Customer Service Center鈥檚 dedicated team can take the responsibility of servicing and nurturing clients鈥攅xperts with specialized training can tackle cross-sell opportunities and warm leads, freeing up your time to concentrate on new revenue opportunities
Customized risk management and claims
Risk management professionals tailor their approach to each program, offering insight about emerging trends and advice on addressing client-specific challenges, and our in-house claims experts are experienced in handling nuanced claims
Valuable technology capabilities
Full suite of capabilities includes a turnkey underwriting platform enabling real-time interactions, API software enabling seamless data exchange between your agency management system and 华体会, and more. Plus, our dedicated innovation team continues to drive investments in technology.
A total Hanover solution
Offer clients an account-focused solution by pairing professional liability coverage with business owner鈥檚 policy, commercial package policy, cyber and more to provide seamless property and casualty business insurance solutions
Significant experience
Knowledgeable teams across underwriting, actuarial, product, marketing, claims, risk management and more are fully aligned in providing program support
Powerful tools
Customized portfolio management tools empower program managers to make quick, clear and actionable decisions and target growth and retention opportunities
Available programs
Leverage our existing programs to offer clients highly-specialized coverage that鈥檚 specifically tailored to meet their unique professional liability insurance needs.
CPAOneProSM
The CPAOneProSM policy was designed by professional liability insurance experts with decades of experience working with CPA firm clients by cherry-picking the best features from dozens of policies in the market and adding coverage enhancements to address perceived gaps. In addition to higher supplemental coverage available through the exclusive ONEPRO endorsements, clients benefit from an RPG credit. Beyond coverage, the robust risk management services include guidance on best practices, sample engagement letters and provisions, NASBA approved webinars, a loss control hotline and much more. CPAOneProSM is available in all 50 states, and eligible classes include accounting firms, CPAs and accountants.
CPAOneProSM is underwritten by McGowan Program Administrators. To learn more or submit business, visit or contact:
Gary Sutherland
Managing Director, MPA, CIC, MLIS
[email protected]
508-656-1350
ASCE Professional Liability Program
American Society of Civil Engineers (ASCE) members in all 50 states have access to the ASCE Professional Liability Program. Designed by experts with over 25 years of experience protecting design professionals, the program offers American Society of Civil Engineers Risk Purchasing Group members discounted, high-quality insurance coverage with unique coverage to help protect firms from negligent acts. Tailored solutions with a variety of limits to meet your contract needs can be crafted for the sole proprietor, the head of a large firm and everything in between.
Pearl庐 Insurance is the Plan Administrator for the ASCE Member Insurance Program. To learn more or submit business, visit . If you would rather speak with an ASCE insurance expert, contact us at 888-619-1908 or [email protected].
ASID Professional Liability
American Society of Interior Design (ASID) members in all 50 states have access to insurance tailored specifically for interior designers. Designed by The鈥疕anover鈥檚 professional liability experts, this solution covers costs such as damages and settlements, lawyers鈥� fees, court expenses, and claims associated with a delay or failure to deliver a project on time, an error in selecting or ordering materials or design advice and more. A multipolicy discount is available on the professional liability when both Business Owner鈥檚 Advantage and professional liability are secured with 华体会.
This coverage is available through HUB International Mid-Atlantic. To learn more or submit business, contact:
Theresa Frisch
301-545-1576
[email protected]
Attorney Risk Management Solutions
For clients in CT, MA, ME, NH, NJ, RI and VT
As the exclusive lawyers professional liability new business offering for clients starting November 1, the Attorney Risk Management Solutions Program (ARMS) delivers the highly specialized coverage attorneys and law firms need to be fully protected from evolving exposures. With ARMS, you benefit from competitively priced, comprehensive protection specially crafted for law firms with up to 35 attorneys. Brown & Brown leverages their 30+ years of experience to tailor solutions for each client.
ARMS is provided exclusively by Brown & Brown. To learn more or submit business, contact:
Justin Kesner
President, LPL
Director, Brown & Brown [email protected]
Lawyer鈥檚 ProtectionPlus
For clients in CO, MO, PA and SC
Lawyers ProtectionPlus (PLUS) was designed to provide lawyers and law firms financial support if an alleged error or omission results in a lawsuit. It was built by experts with over 65 years in the professional liability arena. In addition to a simplified application process for new and renewal business and unique coverage, clients benefit from rates negotiated for Lawyers ProtectionPlus Risk Purchasing Group members and can obtain a bundling discount on additional lines. PLUS coverage also comes with nationally recognized risk management materials, seminars and legal hotlines.
Lawyers ProtectionPlus is exclusively provided by Pearl庐 Insurance. To learn more or submit business, visit or contact:
Jake Pearl
Senior Vice President - Business Insurance Lines
[email protected]
Real Estate Agents Program
With over 20 years of industry experience, Norman-Spencer is proud to offer one of the most broadly based real estate errors and omissions programs on the market. Coverage is available in all states excluding AK, CA and HI to firms whose services include residential or commercial sales, broker price opinions, property management, leasing, appraisal, mortgage brokering and escrow. In addition to a wide range of highly-specialized coverage, clients benefit from robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Real Estate Agents Program is advised and administered by Norman-Spencer. To learn more or submit business, visit or contact:
Adam Garnett
Underwriter
937-401-4131
[email protected]
Real Estate Appraisers Program
Building on more than 25 years of experience writing coverage for real estate appraisers through its Intercorp division, Norman-Spencer provides tailored errors and omissions coverage for appraisers nationwide excluding AK and HI through the Norman-Spencer Risk Purchasing Group. Coverage is provided for all types of appraisers (residential, commercial and combined), as well as all sizes of firms, from sole proprietorships to multi-appraiser firms. In addition to a wide range of highly-specialized coverage available exclusively through the RPG, clients benefit from RPG negotiated pricing, robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Real Estate Appraisers Program is exclusively provided by Intercorp, a division of Norman-Spencer. To learn more or submit business, visit or contact:
Kate Kurtz
Underwriter
[email protected]
800-640-7601
Title Agents Program
Norman-Spencer offers tailored errors & omissions insurance for title classes nationwide excluding AK and HI. Coverage is provided for all types of title agents and abstractors鈥攆rom escrow, closing and settlement agents, to searchers, notary publics and more. In addition to a wide range of highly-specialized coverage such as Consumer Financial Protection Bureau defense and employee dishonest acts, clients benefit from robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Title Agents Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit or contact:
Kristye DeStout
Underwriter Team Lead
[email protected]
937-432-1611
Small Abstractors and Searchers Program
Norman-Spencer offers tailored errors & omissions insurance for small abstractors and searchers nationwide excluding AK and HI. Coverage is provided for businesses with gross revenue up to $350,000 with less than 25% commercial business and no claims in the past three years. In addition to a wide range of highly-specialized coverage such as disciplinary proceedings and loss of earning and expense reimbursement, clients benefit from robust risk management offerings and a total account solution from a single carrier when the E&O is combined with additional lines.
The Small Abstractors and Searcher Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit or contact:
Kristye DeStout
Underwriter Team Lead
[email protected]
937-432-1611
Mortgage Brokers Program
Norman-Spencer offers tailored errors & omissions insurance for mortgage brokers nationwide excluding AK and HI. Backed by a team of insurance professionals dedicated to the mortgage brokers industry, Norman-Spencer offers a wide range of highly-specialized coverage at a competitive price. Beyond coverage, the program includes an online risk management portal, risk management hotline and the support of an experienced claims team that understands the complexities of mortgage brokers鈥� E&O claims and is deeply committed to delivering exceptionally responsive and personalized service.
The Mortgage Brokers Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit or contact:
Jose N. Macias
Programs Underwriting Manager
[email protected]
Home Inspectors Program
Norman-Spencer offers tailored errors & omissions insurance for home inspectors nationwide excluding AK, LA and WV. The program includes claims made E&O coverage including personal injury with limits up to $1,000,000 with deductibles ranging from $1,500 to $10,000. The highly-specialized program includes an automatic extension of coverage for ancillary inspection professional services where contracted by a home inspector, including carbon monoxide, energy audit and more.
The Home Inspectors Program is exclusively provided by Norman-Spencer. To learn more or submit business, visit or contact:
Hannah Nahley
Underwriter
[email protected]
CPAOneProSM
The CPAOneProSM policy was designed by professional liability insurance experts with decades of experience working with CPA firm clients by cherry-picking the best features from dozens of policies in the market and adding coverage enhancements to address perceived gaps. In addition to higher supplemental coverage available through the exclusive ONEPRO endorsements, clients benefit from an RPG credit. Beyond coverage, the robust risk management services include guidance on best practices, sample engagement letters and provisions, NASBA approved webinars, a loss control hotline and much more. CPAOneProSM is available in all 50 states, and eligible classes include accounting firms, CPAs and accountants.
CPAOneProSM is underwritten by McGowan Program Administrators. To learn more or submit business, visit or contact:
Gary Sutherland
Managing Director, MPA, CIC, MLIS
[email protected]
508-656-1350
Start a program conversation today
Programs can be an exciting business builder for any agency. Contact us to start a conversation today.
Craig Dougherty
Assistant Vice President, Professional Liability Programs
630-220-0647
[email protected]
All products are underwritten by 华体会 Insurance Company or one of its insurance company subsidiaries or affiliates. Coverage may not be available in all jurisdictions and certain coverage may be provided by an eligible surplus lines insurer and procured only by a properly-licensed surplus lines broker. Surplus lines insurers do not generally participate in state guaranty funds and insureds are therefore not protected by such funds. This release is designed to provide general information for insurance professionals only and does not constitute an offer to sell or a solicitation of insurance. Any inquiries regarding the subject matter should be directed through licensed insurance professionals.
Please refer to the actual policy issued for complete details of coverage and exclusions. For more information about 华体会 visit our website at www.hanover.com.
Hanover Specialty Insurance Brokers, Inc. CA License # 0759293 NY License # EX-530458-R