Last $58.23 USD
Change Today -0.53 / -0.90%
Volume 240.8K
THG On Other Exchanges
New York
As of 8:04 PM 04/15/14 All times are local (Market data is delayed by at least 15 minutes).
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Company Description

Contact Info

440 Lincoln Street

Worcester, MA 01653

United States

Phone: 508-855-1000


The Hanover Insurance Group, Inc., a holding company, offers property and casualty insurance products and services in the United States (U.S.). The company also conducts business internationally through a wholly-owned subsidiary, Chaucer Holdings plc (Chaucer), which operates through the Society and Corporation of Lloyd’s (Lloyd’s) and is domiciled in the United Kingdom (U.K.). Segments The company conducts its business operations through four segments: Commercial Lines, Personal Lines, Chaucer, and Other Property and Casualty. Lines of Business Commercial Lines The Commercial Lines product suite provides agents and customers with products designed for small, middle and specialized markets. Commercial Lines coverages include the following: Commercial multiple peril coverage insures businesses against third party general liability from accidents occurring on their premises or arising out of their operations, such as injuries sustained from products sold. It also insures business property for damage, such as that caused by fire, wind, hail, water damage (which may exclude flood), theft and vandalism. Commercial automobile coverage insures businesses against losses incurred from personal bodily injury, bodily injury to third parties, property damage to an insured’s vehicle and property damage to other vehicles and property. Workers’ compensation coverage insures employers against employee medical and indemnity claims resulting from injuries related to work. Workers’ compensation policies are often written in conjunction with other commercial policies. Other commercial lines comprise: AIX program business provides coverage to under-served markets where there are specialty coverage or risk management needs, including commercial multiple peril, workers’ compensation, commercial automobile, general liability and other commercial coverages; inland marine coverage insures businesses against physical losses to property, such as contractor’s equipment, builders’ risk and goods in transit, and also covers jewelers block, fine art and other valuables; surety provides businesses with contract surety coverage in the event of performance or non-payment claims, and commercial surety coverage related to fiduciary or regulatory obligations; and other commercial lines coverages include management and professional liability, specialty property, healthcare, umbrella and monoline general liability and fire. In its small commercial and middle market businesses, the company has developed several insurance programs, including for schools, human services organizations, such as non-profit youth and community service organizations, and religious institutions. Additionally, the company developed a Hanover Specialty Industrial business through the acquisition of a property insurer of small and medium-sized industrial risks, including chemical, paint, solvent and other manufacturing and distribution companies. To establish its Hanover Healthcare operations, the company acquired a provider of insurance solutions for selected portions of the healthcare industry, including durable medical equipment suppliers, behavioral health specialists, eldercare providers and podiatrists. Personal Lines Personal Lines coverages include: Personal automobile coverage insures individuals against losses incurred from personal bodily injury, bodily injury to third parties, property damage to an insured’s vehicle, and property damage to other vehicles and other property. Homeowners coverage insures individuals for losses to their residences and personal property, such as those caused by fire, wind, hail, water damage (except for flood), theft and vandalism, and against third party liability claims. Other personal lines comprise personal inland marine (jewelry, art, etc.), umbrella, fire, personal watercraft, earthquake and other miscellaneous coverages. The company’s strategy in Personal Lines is to build its account–oriented business through its partner agencies, with a focus on greater geographic diversification. Chaucer The Chaucer segment includes international business written through Lloyd’s, and includes the followin


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Valuation THG Industry Range
Price/Earnings 10.7x
Price/Sales 0.5x
Price/Book 1.0x
Price/Cash Flow 10.3x
TEV/Sales 0.2x

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