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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 tailored for agents and brokers placing community association business. With broad eligibility, flexible underwriting and high-limit capacity, this program fills gaps in primary coverage and provides excess 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 designed for associations that require higher liability limits or broader excess protection. It works well for single-site associations as well as large master-planned communities and portfolios that need consistent excess placement across multiple locations.

Coverage Highlights and Advantages

Products Offered: Umbrella Liability
Limits Available: $1MM – $100MM
Required Underlying Rating: A- / VII (exceptions can be considered based on account quality)

Key program features:
  • Defense Costs Outside the Limits — Defense expenses are paid in addition to the policy limit, helping preserve indemnity limits.
  • No Shared Limits — Each insured receives a separate policy and policy number for clearer limits and claims handling.
  • No Exclusion for Real Estate Managers — Third-party property managers can be included, reducing coverage gaps for associations that use outside managers.
  • Aggregates Per Location — Important for associations with multiple buildings or sites where location-based aggregation matters.

Available “Follow Form” Coverages:

  • Directors & Officers (including Employment Practices Liability)
  • Automobile Liability
  • Employers Liability
These follow-form options allow the umbrella to align with a broad set of underlying policies for consistent excess protection.

Underwriting Notes

MPA partners with multiple carriers to provide flexible underwriting solutions. While an A- / VII underlying carrier is standard, high-quality accounts with strong risk controls may qualify for exceptions. The program supports a wide spectrum of risks — from small condo associations to complex master associations and account portfolios. Typical considerations include the size and financial strength of the association, claims history, property exposures, and management arrangements.

Practical examples:
  • You might have a condo association with limited primary limits and significant common-area exposures that needs $10M in umbrella capacity to meet contractual requirements and protect the board and members.
  • You might place a large master association that requires location-based aggregates across several neighborhoods and follows form over D&O and auto liabilities for consolidated excess protection.

Territories and Availability

This program is available nationwide, including all 50 states and Washington, DC. MPA can bind coverage for coastal and inland risks alike and supports placements across the listed states.

Why Work With McGowan Program Administrators?

As a managing general underwriter focused on niche programs, McGowan Program Administrators combines underwriting expertise, responsive service and access to strong carrier capacity. Agents benefit from dedicated underwriters who understand community association exposures and can structure excess solutions that match each client’s organization, policy structure and risk profile.

For more information on Community Associations Umbrella 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 over common-area, board and management exposures.

What is the minimum and maximum umbrella limit available?

Limits range from $1 million to $100 million, depending on the account structure, underlying limits and underwriting considerations.

Are real estate managers covered under this policy?

Yes. The program does not automatically exclude third-party property managers, so associations that use outside management firms can often include their managers under the umbrella, subject to underwriting review.

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

Yes. Available follow-form coverages include Directors & Officers (including EPL), Automobile Liability and Employers Liability to allow seamless excess placement over those underlying policies.

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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