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The McGowan Companies
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The McGowan Companies
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Hospitality Umbrella Insurance

McGowan Program Administrators
Hospitality Umbrella Insurance

Overview of the Program From McGowan Program Administrators

McGowan Program Administrators offers a robust Hospitality Umbrella Insurance program designed to help agents and brokers secure excess liability coverage for a wide range of commercial real estate and hospitality clients. As a trusted Managing General Underwriter with access to multiple carriers, McGowan brings specialized underwriting expertise and tailored solutions to help you meet your clients' complex risk management needs.

Ideal Accounts and Appetite

This program is ideal for insureds operating in the hospitality, 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
If you have clients managing multi-location hospitality or commercial property portfolios, this program is built to handle their umbrella liability exposures efficiently. Example: You might be working with a regional hotel group seeking higher liability limits or a commercial property owner with multiple retail strip centers. This program can provide the excess coverage they need without shared limits.

Coverage Highlights and Advantages

McGowan’s Hospitality Umbrella Insurance program includes key features that help your clients manage risk more effectively:
  • Limits available from $1MM to $100MM
  • Defense costs paid outside of the coverage limits
  • No shared limits—each insured receives their 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

All underlying carriers must have a rating of B++ / VI or better. The program is designed to accommodate a wide range of risk profiles, but underwriting will focus on quality of operations and loss history. Please contact McGowan for details on minimum premium requirements and additional underwriting criteria.

Territories and Availability

This program is available in all 50 states and Washington, D.C., offering broad geographic coverage to support your national or multi-state clients.

Why Work With McGowan Program Administrators?

McGowan brings decades of experience in program administration, with a strong focus on hospitality and commercial real estate sectors. Their underwriting team understands the nuances of complex liability exposures and is committed to fast, responsive service. With access to a variety of carriers, McGowan offers flexibility and stability in a changing market. For more information on Hospitality Umbrella Insurance, please contact us!

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.

What limits are available under this umbrella program?

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

Is this program available on an admitted basis?

The program is available in all states, and admitted or non-admitted status varies by state and carrier.

Are defense costs included within the limits?

No, defense costs are paid outside the policy limits, offering an important advantage to insureds.

What is required for the underlying insurance?

Underlying carriers must have a minimum rating of B++ / VI or better.

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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