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The McGowan Companies
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Community Associations Umbrella Insurance

McGowan Program Administrators
Community Associations Umbrella Insurance

McGowan Program Administrators (MPA) offers a specialized Community Associations Umbrella Insurance program designed for agents and brokers placing business in the community association space. With broad eligibility and high-limit capacity, this program provides essential protection for a wide range of residential and mixed-use associations across the U.S.

Ideal Accounts and Target Classes

Eligible Classes:
  • Condominium Associations
  • Homeowners Associations (HOAs)
  • Planned Unit Developments (PUDs)
  • Townhome Associations
  • Property Owners Associations
  • Cooperatives
  • Master Associations
This program is ideal for agents working with associations that require higher liability limits and are looking to fill gaps in their primary coverage. Whether your client manages a single condominium complex or a large master-planned community, MPA can help you secure tailored umbrella solutions.

Coverage Highlights and Features

Products Offered: Umbrella Liability
Limits Available: $1MM – $100MM
Required Underlying Rating: A- / VII (Exceptions Can Be Made)

Key features of the program include:
  • Defense Costs Outside the Limits – Helping preserve the full policy limit for indemnity payments.
  • No Shared Limits – Each insured receives its own policy and policy number for clarity and simplicity.
  • No Exclusion for Real Estate Manager – Ensures third-party property managers aren’t excluded from coverage.
  • Aggregates Per Location – Critical for associations with multiple buildings or sites.

Available “Follow Form” Coverages:

  • Directors & Officers (Including Employment Practices Liability)
  • Automobile Liability
  • Employers Liability
These broad follow-form capabilities allow for seamless excess coverage over a wide range of underlying policies, offering your clients peace of mind and strong risk management support.

Underwriting Notes

MPA works with multiple carrier partners and offers flexible underwriting solutions. While underlying ratings of A- / VII are typically required, exceptions can be made based on account quality. The program is available in all states and can support a wide spectrum of risks, from small community associations to large, complex portfolios.

Territories and Availability

This program is available nationwide, including all 50 states and Washington, DC. Whether your client is in a coastal state like Florida or California, or in the Midwest or Pacific Northwest, McGowan has the reach and capacity to respond.

Why Work With McGowan Program Administrators?

McGowan Program Administrators is a leading Managing General Underwriter with deep expertise in niche insurance programs. Their Community Associations Umbrella Insurance program leverages years of underwriting experience and access to top-rated carriers to deliver tailored solutions for community-based risks. You’ll benefit from responsive service, dedicated underwriting teams, and a commitment to helping you grow your book of business.

If you're working with clients who manage residential associations and need higher liability limits or broader protection, McGowan is a reliable partner that understands the unique needs of this sector.

For more information on Community Associations D&O Insurance, please contact us! 

Frequently Asked Questions

What types of accounts are a good fit for this umbrella program?

This program is ideal for residential associations such as HOAs, condo associations, PUDs, and cooperatives that need higher liability limits and broad excess coverage.

What is the minimum and maximum umbrella limit available?

Limits range from $1 million to $100 million, depending on the account and underwriting details.

Are real estate managers covered under this policy?

Yes, there is no exclusion for real estate managers, making this policy suitable for associations that use third-party property management firms.

Can this program provide follow-form coverage over D&O and EPL exposures?

Yes, available follow-form coverages include Directors & Officers (including EPL), Auto Liability, and Employers Liability.

Is this program available in all states?

Yes, the Community Associations Umbrella Insurance program is available in all 50 states and Washington, DC.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    “A” Rated Carriers
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

106 East 6th Street - Littlefield Building, Suite 520
Austin, TX 78701
512-600-2280
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APPLICATIONS

  • Community Associations Umbrella Application

    To Obtain Quotes:
    Agents may use the "Quick Quote" application to obtain quick pricing and coverage indications from McGowan & Company. Firm quotations are subject to receipt of the following:

    1.A fully completed application (v05/01/2008A or current version);
    2.Three years of currently-valued (generated within the past six months), hard copy, GL carrier generated loss runs;

    To Bind Coverage:
    The following items are required in order to bind coverage:

    1.A written request to bind on or before the effective date;
    2.A fully completed application (v05/01/2008A or current version);
    3.Three years of currently-valued (generated within the past six months), hard copy, GL carrier generated loss runs;

AGENCY LICENSING

Become A Broker

McGowan Program Administrators operates on an "open-brokerage" format. We do not hold our retail agents to premium or account volume requirements, so whether you place 1 account or 100 accounts with us we are always grateful for your business. We do, however, require that retail agents placing business with us carry at least $1,000,000 of E&O Liability.

We look forward to working with you!
Please contact our Compliance Administrator with any questions:
Heather Hysong, [email protected]

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