Hanover Avenues. Insurance for Law Offices. Who protects your business, while your business is busy protecting others?

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1 Hanover Avenues Insurance for Law Offices Who protects your business, while your business is busy protecting others?

2 DESIGNED WITH YOUR PROTECTION IN MIND The Hanover has created a comprehensive suite of insurance products designed specifically with the needs of Law Offices in mind. Because we are experts in Law Offices, we are able to target your specific needs to provide a comprehensive, customizable coverage plan. Business Owner s Policy BOP Law Office Broadening Endorsement Commercial Auto Workers Compensation Commercial Umbrella Marine Bond

3 Hanover Avenues Law Offices Comprehensive Protection for Law Offices Finding, choosing, and maintaining the right insurance protection for your Law Office can be a complicated and time-consuming job. It s time and effort taken away from your primary responsibility serving your clients. The Hanover and its local agents can put your mind at ease by providing a total account solution the right insurance and risk management to meet your business needs. As experts in providing insurance solutions for Law Firms, we can help you make the prudent coverage choices you need, as well as provide highly responsive service when you have a claim. Law Firm Program At A Glance Dedicated Experts Local Decision Makers Competitive Rates Coverages Tailored to Your Industry Prompt, Responsive Claims Handling Financial Strength (Excellent A.M. Best Rating)

4 Coverage Highlights A New Level of Protection From Our Broadening Endorsement The chart below outlines some of the features of our enhanced Broadening Endorsement for Law Offices. These important extra coverages expand the normal scope of property insurance, helping law offices like yours recover from a loss. Cover age INDUSTRY STANDARD/ ISO L aw Office Broadening Endorsement Brands and Labels Included Broad Form Water Damage $100,000 Business Income and Extra Expense from Dependent Properties $5,000 $100,000 Claims Expense $10,000 Consequential Loss to Stock Included Contingent Transit Business Income and Extra Expense $100,00 Contractual Penalties $25,000 Employee Dishonesty (including ERISA) $50,000 Expanded Business Income Definition Included Extended Business Income 30 days 90 days Fine Arts $40,000 Forgery and Alteration $2,500 $50,000 Foundations and Underground Pipes $250,000 Hired Auto Physical Damage $30,000 Laptop Computer Coverage Worldwide $10,000 Library Coverage $50,000 Loss Settlement Option Per Diem Marring and Scratching Included Money Orders and Counterfeit Paper Currency Ordinance or Law (Tenant s Improvement Extension) $25,000 $25,000 Outdoor Property $2,500 $25,000 Personal Effects $2,500 $25,000 Personal Property in Transit $25,000 Practice Interruption Utility Services Direct Damage $50,000

5 Cover age Practice Interruption Utility Services Business Income Property Damage Legal Liability (Fire Legal) INDUSTRY STANDARD/ ISO $25,000 $300,000 $1,000,000 L aw Office Broadening Endorsement Property Off Premises Worldwide $45,000 Salesperson s Samples $1,000,000 Tenant Building Insurance When Lease Requires You Provide Insurance Tenant Business Personal Property Insurance When Agreement Requires You Provide Insurance $20,000 $20,000 Tenant Sign $2,500 $20,000 Transit Business Income and Extra Expense $100,000 Blanket Coverages Limit of Insurance: $250,000 and below coverages Accounts Receivables $10,000 In Blanket Backup or Overflow of a Sewer, Drain or Sump In Blanket Computer Equipment In Blanket Debris Removal 25% + $10,000 In Blanket Spoilage In Blanket Valuable Papers and Records $10,000 In Blanket Start Building a Case for Exceptional Protection Nobody knows more about designing coverage for today s business risks than your Hanover Agent and The Hanover team. Start a conversation with your local Hanover Agent today.

6 Why 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 of 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 is backed by our financial strength rating of Excellent (A) from A.M. Best. 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. Policies are underwritten by one or more of the following: Allmerica Financial Alliance Insurance Company, Allmerica Financial Benefit Insurance Company, Citizens Insurance Company of America, Citizens Insurance Company of Illinois, Citizens Insurance Company of the Midwest, Citizens Insurance Company of Ohio, The Hanover Insurance Company, The Hanover New Jersey Insurance Company, and/or Massachusetts Bay Insurance Company. Florida: Policies in the state of Florida are underwritten by The Hanover Insurance Company, Massachusetts Bay Insurance Company, The Hanover American Insurance Company, and/or Allmerica Financial Benefit Insurance Company. Avenues, The Hanover Insurance Group with Eagle icon, and Our policy is performance are trademarks of The Hanover Insurance Group, Inc. All other trademarks are the property of their respective owners. w w w. h a n o v e r. c o m The Hanover Insurance Company 440 Lincoln Street, Worcester, MA Citizens Insurance Company of America 645 West Grand River Avenue, Howell, MI (7/10) LC