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The Citizens and Hanover Insurance Companies Name Alan Crater Regional President

May 10, 2004

WORCESTER, Mass., May 10 /PRNewswire-FirstCall/ -- The Citizens and Hanover Insurance Companies today announced that Alan Crater has been named regional president of their downstate New York and New Jersey commercial lines divisions, effective immediately.

"As regional vice president, Alan will help us bring greater focus to and a better understanding of these key markets," said Frederick H. Eppinger, president and chief executive officer of Allmerica Financial Corporation (NYSE: AFC), the parent company to Citizens and Hanover. "I know that Alan will make important contributions to our company as we work toward our goal of becoming one of the finest regional property and casualty companies in the business."

Crater comes to Allmerica from The St. Paul Companies, and brings more than 30 years of experience and industry knowledge to his new position. Most recently, he served as president of St. Paul's Northeast region, where he was responsible for agency management, distribution of specialty and commercial products, commercial lines operations and overall business development.

Before joining St. Paul, Alan was senior vice president of CIGNA Property and Casualty's inland marine division from 1998 to 1999. In this position, he directed and managed the strategic growth and development of 13 field offices for the company's inland marine unit.

From 1992 to 1998, Alan served as vice president of USF&G Corporation's property, inland marine and underwriting operations within the company's commercial insurance group.

Prior to joining USF&G, Alan held senior management positions at both the Atlantic Mutual Companies (1986-1992) and the Chubb Group of Insurance Companies (1982-1986).

A graduate of the University of Wisconsin, Madison, Alan also is a Chartered Property and Casualty Underwriter, CPCU, and an Associate in Marine Insurance Management, AMIM.

Howell, Michigan-based Citizens Insurance Company of America, founded in 1915, and Worcester, Massachusetts-based The Hanover Insurance Company, founded in 1852, offer a range of property and casualty insurance coverages to individuals, families and business through a wide network of independent agents. The Citizens and Hanover Insurance Companies are ranked among the top 30 property and casualty insurers in the country and are members of Allmerica Financial Corporation (NYSE: AFC), a Fortune 500 company.

Note to editors: For a photograph of Alan Crater, please contact Todd Peckham using the e-mail address or telephone number below.

     Sujata Mutalik
     (508) 855-3457

     Todd M. Peckham
     (508) 855-4460

SOURCE  Allmerica Financial Corporation
    -0-                             05/10/2004
    /CONTACT: Investors: Sujata Mutalik, +1-508-855-3457,
smutalik@allmerica.com, or Media: Todd M. Peckham, +1-508-855-4460,
tpeckham@allmerica.com, both of Allmerica/

CO:  Citizens Insurance Company of America; The Hanover Insurance Company;
     Allmerica Financial Corporation; Howell
ST:  Massachusetts, New York, New Jersey, Michigan

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1606 05/10/200411:46 EDThttp://www.prnewswire.com