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The McGowan Companies
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The McGowan Companies
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Manufacturers Umbrella Insurance

McGowan Excess & Casualty
 Manufacturers Umbrella Insurance

Overview of the Program From McGowan Excess & Casualty

McGowan Excess & Casualty, a division of The McGowan Companies, offers an exclusive Manufacturers Umbrella Insurance Program designed for a wide range of manufacturing operations. This program provides agents and brokers with access to high-limit umbrella and excess liability coverage tailored to meet the unique risks faced by manufacturers. With flexible underwriting, broad eligibility, and limits up to $100 million, this program is ideal for accounts needing additional layers of protection beyond their primary liability policies.

Ideal Accounts and Appetite

This program is specifically designed for manufacturers with moderate to high general liability exposures who need excess protection. Eligible classes include but are not limited to:
  • Abrasive Wheel Manufacturers
  • Non-Operating Auto Parts Manufacturers
  • Water Softening Equipment
  • Concrete and Cement Products
  • Electrical Equipment Manufacturers
  • Food Products Manufacturing
  • Metal Goods Manufacturing
  • Tool and Equipment Manufacturers
  • Wire Goods
You might have a client who manufactures industrial tools or electrical components and is expanding into new territories—this program can help secure the excess coverage they’ll need to satisfy vendor or contract requirements.

Coverage Highlights and Advantages

The Manufacturers Umbrella Insurance Program includes the following coverages:
  • Commercial Umbrella Liability – Additional limits over general liability, auto liability, and employers liability.
  • Follow Form Excess Liability – Excess limits mirroring the terms and conditions of the underlying policies.
Limits available start at $1 million and can go up to $100 million, depending on the risk profile and underlying coverage structure. Excess layers can be written over lead umbrellas from $1 million to $100 million.

Underwriting Notes and Minimum Premiums

The program typically requires underlying carriers to have a minimum A.M. Best rating of A- / VII. Exceptions may be considered for employers’ liability (EL) carriers. Submissions should include full underlying details, loss runs, and a completed application. While minimum premiums vary depending on risk size and structure, McGowan Excess & Casualty is highly responsive and works with agents to find competitive solutions.

Territories and Availability

This program is available in most states, 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, DC, WV, WI, and WY. Program availability may vary by admitted or non-admitted status depending on the state.

Why Work With The McGowan Companies

As a leading Managing General Underwriter, The McGowan Companies have decades of experience crafting specialty insurance solutions across a broad range of industries. McGowan Excess & Casualty offers deep underwriting expertise, strong carrier relationships, and exceptional service to help agents secure competitive umbrella and excess liability placements for manufacturing clients. From small regional manufacturers to large national operations, this program is built to support your clients’ growth and protect them from catastrophic risk.

For more information on Manufacturers Umbrella Insurance, please contact us!

Frequently Asked Questions

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

Manufacturers of metal goods, electrical equipment, tools, food products, and similar operations with moderate to high general liability exposures are ideal for this program.

What are the coverage limits offered?

Umbrella limits start at $1 million and can go up to $100 million. Excess layers can be written over lead umbrellas from $1 million to $100 million.

What rating is required for underlying carriers?

Typically, underlying carriers must have an A.M. Best rating of A- / VII. There may be exceptions for employers’ liability carriers.

Is the program available nationwide?

The program is available in most U.S. states. Availability may vary by state and admitted status.

Who do I contact to submit a risk or learn more?

Contact McGowan Excess & Casualty for submission instructions and additional program details.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A+ / XV
  • Commission:
    -
  • Min Premium:
    -

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CONTACT INFORMATION

LOCATION

145 Wyckoff Road, Suite, 101
Eatontown, NJ 07724
732-335-8470
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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.

In order to become a fully-enrolled agent with McGowan Excess & Casualty, we require the following items:
(1) Copy of the agency's E&O declarations page evidencing at least $1MM in coverage;
(2) Copy of the agency's license;
(3) Updated W-9 form;
(4) Executed IPC Brokerage Agreement;
(5) Completed Brokerage Questionnaire.

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


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