Christiansen Named N.E. Regional President for Citizens/Hanover

July 5, 2005

The Citizens and Hanover Insurance Companies have named Michael R. Christiansen as president of its New England region, effective July 11.

Christiansen formerly was a senior executive with Liberty Mutual’s independent agent and broker distribution channel and president and chief executive officer of Peerless Insurance Company.

In this role, Christiansen will be responsible for the company’s personal and commercial lines activities throughout New England, with the exception of the Massachusetts personal lines operation.

Prior to joining Citizens and Hanover, Christiansen was executive vice president, operations, at Liberty Mutual’s Regional Agency Markets business unit, where he was responsible for claims, personal and commercial underwriting, marketing and agency management, information technology, human resources and two specialty areas. Launched in 1997, Liberty’s RAM markets personal lines and small to mid-sized commercial lines products in 44 states, exclusively through a network of approximately 5,000 independent agents and brokers, generating revenues of approximately $4 billion.

Prior to assuming operations responsibilities at Liberty’s RAM in 2003, Christiansen was president and chief executive officer at Peerless Insurance, a Liberty RAM company, with about $900 million in direct written premiums, primarily in the Northeast. He joined Peerless as a regional marketing manager in 1984, and rose through the ranks, serving in a number of underwriting, marketing and management positions. He began his career as a commercial property underwriter with Kemper in 1975.

The Citizens and Hanover Insurance Companies are ranked among the 35 largest property and casualty insurers in the country and are members of Allmerica Financial Corporation (NYSE: AFC). Worcester, Massachusetts-based The Hanover Insurance Company, founded in 1852, and Howell, Michigan-based Citizens Insurance Company of America, founded in 1915, offer property and casualty insurance coverages to individuals, families and businesses through a wide network of independent agents.

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