Accident & Health Insurance Solutions for a Wide Range of Group Activities
McGowan Excess & Casualty offers a focused Accident & Health Insurance program designed to meet the needs of groups that run structured activities where accidental injury is a primary exposure. This program is built for agents and brokers who place coverage for clients such as youth sports leagues, schools, camps, fitness and activity centers, and one-day or multi-day events. Policies are underwritten with access to carriers rated A- / VII or better, providing market stability for higher-risk group operations.
Ideal Accounts and Eligible Classes
This program is suited to a wide variety of organizations and group activities where participants face physical risk. Target classes include:
• Club & Intramural Teams
• Clinics & Leagues
• Special Events (1 Day or Longer)
• K-12 Schools
• Day Care, Nursery Schools, and Pre-Schools
• Intercollegiate Athletic Programs – Exclusive Access to an "A" Rated Carrier
• Camps – Sports & Non-Sports
• Before & After Care Programs
• Religious Groups
• Fitness Clubs
• Dance Studios
• Martial Arts Facilities
• Volunteer Groups
If you represent clients who operate summer camps, youth sports organizations, or large community events, McGowan’s program offers coverage options that help those insureds meet their duty of care and address participant injury exposures.
Coverage Highlights and Special Features
The program provides customizable Accident & Health features designed for group exposures, including:
- Accidental Death & Dismemberment limits from $2,500 to $50,000
- Accident Medical Expense limits from $5,000 to $100,000
- Deductible options ranging from $0 to $10,000
- Dental coverage included within medical expense limits
- Excess coverage options to layer limits as needed
Additional casualty and ancillary coverages are available on request to create broader protection packages:
- General Liability
- Hired and Non-Owned Auto Liability
- Sexual Abuse / Molestation coverage
McGowan also places Commercial Umbrella and Follow Form Excess Liability products to complement core Accident & Health limits for accounts with higher liability exposures.
Underwriting Considerations
Underwriters generally require an underlying carrier with an A- / VII rating or better. Exceptions for certain Employer Liability carriers may be considered on a case-by-case basis. Minimum premium requirements vary by class and exposure; McGowan’s underwriting team will work with you to evaluate each risk and determine appropriate terms.
Available Nationwide
This program is available in all U.S. states and Washington, D.C. Territories served include: AL, AK, AZ, CA, CO, CT, DE, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY.
Why Work With McGowan Excess & Casualty?
As a Managing General Underwriter, McGowan Excess & Casualty brings deep accident and health underwriting expertise plus exclusive market access. Agents benefit from responsive underwriting, flexible coverage structures, and a broad appetite for accounts involving minors, volunteers, and physical activity. The program is designed to be carrier-stable and practical for producers placing group activity risks.
Example account scenarios:
- You might have a client that runs a seasonal youth soccer league seeking accident medical limits and AD&D coverage for participants and volunteers during practices and games.
- Or a K-12 school district that needs short-term accident medical coverage for extracurricular athletic programs and field trips, with the option to add excess layers.
What types of accounts are a good fit for this Accident & Health program?
Accounts that manage structured group activities with participant exposure — youth sports teams, camps, schools, day care programs, and special events — are all good fits, subject to underwriting review.
Is general liability included in the program?
General liability is not included by default but can be added upon request to create a combined package with Accident & Health coverage.
Are one-day events eligible for coverage?
Yes. One-day and multi-day special events are eligible, subject to underwriting and event details such as attendance, activities, and risk controls.
Can I write business in any state?
Yes. McGowan’s Accident & Health program is available across all U.S. states and Washington, D.C.
What is the financial rating of the carriers used?
The program places business with carriers rated A- / VII or better; exceptions for certain Employer Liability carriers are considered on a case-by-case basis.
Need help placing an account? Connect with a market specialist.