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The McGowan Companies
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The McGowan Companies
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Hospitality Umbrella Insurance

The McGowan Companies — McGowan Program Administrators
Hospitality Umbrella Insurance

Overview of the Program From The McGowan Companies

The McGowan Companies, through McGowan Program Administrators, offers a robust Hospitality Umbrella Insurance program that helps agents and brokers secure excess liability capacity for a wide range of commercial real estate and hospitality clients. As a program administrator with access to multiple carriers, McGowan delivers specialized underwriting, flexible layered limits, and solutions tailored to complex liability exposures.

Ideal Accounts and Appetite

This program targets insureds in the hospitality, commercial real estate, and light industrial sectors. Eligible classes include:
  • Apartments
  • Hotels and Motels
  • Light Industrial Properties
  • Office Buildings and Office Condominiums
  • Shopping Centers and Strip Malls
  • Timeshares
  • Warehouses
The program is well suited to multi-location portfolios and regional operators who need higher liability limits or coordinated excess placement across properties. Example scenarios:
  • You have a regional hotel chain seeking excess limits above primary policies for multiple properties — the program can place limits efficiently without shared policy limits.
  • A property owner with several retail strip centers needs consolidated umbrella capacity with per-location aggregates — this program handles that structure.

Coverage Highlights and Advantages

McGowan’s Hospitality Umbrella Insurance offers features designed for hospitality and commercial property risks:
  • Limits available from $1MM to $100MM
  • Defense costs paid outside the coverage limits
  • No shared limits — each insured receives its own policy and policy number
  • No exclusion for real estate managers
  • Aggregates calculated per location
Available follow-form coverage includes:
  • Automobile Liability
  • Employers Liability
  • Employee Benefits Liability
  • Liquor Liability

Underwriting Notes and Minimum Premiums

Underwriting requires quality primary programs and focuses on operations, controls, and loss history. All underlying carriers must be rated B++ / VI or better. The program accommodates a range of risk profiles, but specific terms, retentions, and minimum premium requirements vary — please contact McGowan for underwriting criteria and minimum premium details.

Territories and Availability

This hospitality umbrella program is available nationwide, including all 50 states and Washington, D.C. Admitted or non-admitted placement will depend on state and carrier availability.

Why Work With The McGowan Companies on This Business?

The McGowan Companies brings decades of program administration experience and deep familiarity with hospitality and commercial real estate exposures. Their underwriting team provides:
  • Access to multiple carrier partners for layered umbrella placements
  • Specialized underwriting that understands property- and hospitality-specific liability risks
  • Flexible structures (per-location aggregates, individual policy numbers) to meet portfolio needs
  • Responsive service to help you move placements quickly
If you need excess capacity for hotels, apartments, shopping centers, or mixed-use commercial portfolios, McGowan’s Hospitality Umbrella program is built to deliver stable capacity and practical placement mechanics. For more information on Hospitality Umbrella Insurance, please connect with a market specialist.

Frequently Asked Questions

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

This program is ideal for apartments, hotels, motels, shopping centers, office buildings, light industrial properties, and similar commercial real estate or hospitality risks, including multi-location portfolios.

What limits are available under this umbrella program?

Limits range from $1 million up to $100 million, subject to risk profile and underwriting approval.

Is this program available on an admitted basis?

Admitted or non-admitted availability varies by state and carrier; the program is available nationwide.

Are defense costs included within the limits?

No. Defense costs are paid outside the policy limits, which can preserve limits for indemnity payments.

What is required for the underlying insurance?

Underlying carriers must have a minimum rating of B++ / VI or better; McGowan will also review loss experience and operational controls when underwriting.

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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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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