Markets/Coverages: Hanover Enhances Work Safe Program; Berkley Adds AttorneyShield; Encore Fiduciary Moves Into Management Liability

The Hanover Enhances Its Holistic Work Safe Program

The Hanover. Insurance Group has expanded its Hanover Work Safe, a group of services promising a personalized approach to worker safety and claims handling.

The Hanover’s claims specialists proactively gain insights into factors that may impact the treatment of an injured worker beyond physical recovery and strive to structure a more holistic and individual claims response. The enhanced workers’ compensation claims program leverages data and predictive analytics to help better understand the person as a whole and how to best support recovery. It considers not only the physical impacts of the biological injury that occurs on the job, but also psychological, social and economic factors that potentially create barriers to recovery and return-to-work including stress levels, health beliefs and literacy, family relationships, employer and employee relationships, and social support.

The approach includes surveys of both injured employees and employers at the time of injury, which Carmen Sharp, senior vice president of claims, said allows the insurer to identify all factors that may impact a claim earlier in the process. “Our data-driven model helps us better understand the injured individual, ensuring we can effectively support their specific recovery needs,” Sharp said.

In addition to claims advocacy, Hanover Work Safe offers integrated services and resources to help prevent worker injury and proactively develop a response plan if an injury occurs. Information includes organizational safety management, employee selection and training, risk assessment and control, injury management, and continuous learning and improvement.

Berkley Select’s AttorneyShield Offers Employment Practices Liability Coverage for Law Firms

Berkley Select has enhanced its employment practices liability (EPL) offering, adding a new product, AttorneyShield, that provides tailored EPL coverage for law firms.

Berkley Select’s team focuses on small to mid-sized law firms. AttorneyShield is designed for law firms with up to 100 attorneys and has limits up to $5 million. Coverage is available in all 50 states.

Some special enhancements of the new coverage include wrongful employment act amended to include failure to make partner; coverage for partnership agreement disputes; defense coverage for breach of contract claims; third-party liability coverage for claims brought by non-employees for harassment or discrimination; automatic coverage for predecessor firms, and true worldwide coverage.

The coverage also includes access to Berkley Select’s EPL risk management services. An online portal provides resources and pre-claims assistance, including an HR hotline, compliance apps and online training courses that address state-specific harassment, discrimination prevention, HIPAA compliance and more.

Berkley Select has more than 30 years of experience in management and professional liability insurance.

Encore Fiduciary Offers Management Liability Cover for Private, Not-for-Profit Entities

Encore (formerly Euclid) Fiduciary, a division of Specialty Program Group, is expanding beyond its core fiduciary insurance focus to offer management liability insurance for private and not-for-profit companies. Its new Encore Management Liability “Quattro” policy offers four key coverages – Directors & Officers Liability, Employment Practices Liability, Fiduciary Liability, and Crime Insurance.

In addition to the broad coverage, Encore will offer clients risk management advice and direct access to experts for legal defense.

Encore is teaming up with Coverys Group. The program will be offered on a national, admitted basis. Keith Lavigne, chief underwriting officer at Encore, said his firm’s underwriting and claims teams will provide continued service for brokers and clients.

Topics Liability