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The McGowan Companies
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The McGowan Companies
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Educational - Schools Umbrella Insurance

McGowan Excess & Casualty
Educational - Schools Umbrella Insurance

McGowan Excess & Casualty offers a comprehensive Educational - Schools Umbrella Insurance program designed specifically for educational institutions of all sizes and types. This program helps protect schools against catastrophic liability exposures that exceed the limits of their primary insurance policies. As a managing general underwriter (MGU) with access to a variety of carriers, McGowan delivers tailored solutions for complex educational risks across all 50 states.

Ideal Accounts and Appetite

Eligible Classes:
  • Public and Private School Districts
  • Charter Schools
  • Colleges and Universities
  • Trade and Vocational Schools
  • Miscellaneous Training Facilities
This program is ideal for educational institutions that need high-limit liability protection beyond standard primary policies. Whether you work with a growing charter school network or a state university concerned about campus exposures, this umbrella/excess solution offers flexible limits and strong carrier support.

Coverage Highlights and Advantages

Products Offered:
  • Commercial Umbrella Liability
  • Follow Form Excess Liability
Available Limits:
  • Umbrella: Starting at $1MM, up to $100MM available
  • Excess: Excess layers available over lead umbrellas, from $1MM to $100MM
This program provides robust protection for claims that could stem from athletic events, transportation incidents, student activities, or employment practices. With follow form excess options, you can maintain continuity and consistency across your insured’s coverage layers.

Underwriting Notes and Carrier Requirements

McGowan typically requires underlying carriers to have an A- / VII rating or better. However, exceptions may be made for Employment Liability (EL) carriers based on risk profile and other factors. The company evaluates each submission thoroughly to ensure a strong fit with carrier expectations and program guidelines.

No formal minimum premium is listed, but pricing will depend on account size, risk characteristics, limits requested, and underlying program structure.

Territories and Availability

This program is available in all 50 states and Washington, DC, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.

Why Work With McGowan Excess & Casualty

McGowan has deep expertise in complex liability placements and offers specialized umbrella and excess capacity for niche industries, including education. With flexible underwriting, broad carrier access, and the ability to write up to $100MM in limits, McGowan is a valuable partner for brokers seeking umbrella solutions for schools and educational facilities. Their dedicated underwriting team understands the unique exposures of educational institutions and can help you structure layered programs that meet your clients’ needs.

If you have an educational account—like a regional trade school expanding its course offerings or a charter school system adding campuses—McGowan can provide the umbrella capacity and underwriting insight you need to close the deal.

For more information on Educational - Schools Umbrella Insurance, please contact us! 

Frequently Asked Questions

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

Ideal accounts include school districts, charter schools, colleges, universities, trade schools, and training facilities that require higher liability limits.

What are the available policy limits?

Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be structured over lead umbrellas within the same range.

Is this program available in all states?

Yes, the Educational - Schools Umbrella Insurance program is available in all 50 states and Washington, DC.

What are the underwriting requirements for underlying carriers?

Underlying carriers typically must have an A- / VII rating, although exceptions may be made for Employment Liability carriers depending on the risk.

Who should I contact to get a quote or submit an application?

Please reach out to McGowan Excess & Casualty directly for submission guidelines and quoting assistance.

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+ / XV
  • 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

  • Applications

    To Obtain Quotes:
    Pricing indications are provided with the submission of the standard Acord submission (GL, Umbrella, Worker Compensation, etc.). For firm quotes we will require:
    1.  Acord applications (GL, Umbrella, Commercial Section);
    2.  At least 5 years of loss runs for all underlying policies;
    3.  Supplemental applications (at the underwriter's discretion).
    4.  Copies of the underlying GL and AL quotes

     To Bind Coverage:
    1.  A written request to bind;
    2.  A thorough Acord submission;
    3.  At least 5 years of loss runs for all underlying policies;
    4.  Supplemental applications (at the underwriter’s discretion);
    5.  Copies of the underlying GL polic(ies).

AGENCY LICENSING

Become A Broker
 
McGowan Excess & Casualty 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.

Please contact our Compliance Administrator with any questions:
Heather Hysong, 800.545.1538 x3623, [email protected]


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