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...for general medical and surgical community hospitals with 100 beds or fewer. B...gram?AIG is the carrier backing the Community Hospitals program offered through Smith Be...

McGowan Program Administrators Community Associations Umbrella Insurance Mc...am available in all states?Yes. The Community Associations Umbrella Insurance ...

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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.

McGowan Program Administrators Real Estate and Hospitality Umbrella Insurance McGowan Program Administrators offers a robust Umbrella Insurance program tailored specifically for real estate and hospitality businesses. Designed to help insurance agents and brokers place excess liability coverage for a wide range of commercial property and hospitality risks, this program delivers high-limit protection for clients with growing exposure concerns. Ideal Accounts and Appetite This program is ideal for agents seeking umbrella solutions for clients in the following sectors: Apartments Hotels and Motels Light Industrial Facilities Office Buildings and Office Condominiums Shopping Centers and Strip Malls Timeshares Warehouses Whether you're working with a growing apartment complex or a regional hotel chain, this program provides scalable umbrella coverage tailored to your clients' operations. Coverage Highlights and Advantages McGowan’s Real Estate and Hospitality Umbrella Insurance program offers flexible coverage options and several enhancements that set it apart: Limits from $1MM to $100MM to meet a wide range of exposure needs Defense Costs Outside the Limits for added protection No Shared Limits—each insured receives their own policy and policy number Aggregates Per Location to support multi-location risks No Exclusion for Real Estate Managers Available “follow form” coverages include: Automobile Liability Employers Liability Employee Benefits Liability Liquor Liability These features make the program a smart fit for insureds who need tailored umbrella protection that mirrors their primary policies. Underwriting Notes Minimum required underlying rating: B++ / VI or better Carriers vary depending on state and risk profile Defense costs are handled outside the limits, preserving the umbrella capacity This program is underwritten by McGowan Program Administrators, a trusted Managing General Underwriter with deep experience in the real estate and hospitality sectors. Territories and Availability McGowan’s Real Estate and Hospitality Umbrella Insurance program is available in all 50 states, including Washington DC. Whether your client is located in California, Texas, New York, or anywhere in between, this program can accommodate a broad geographic footprint. Why Work With McGowan Program Administrators? McGowan Program Administrators brings specialized underwriting expertise to each submission. With access to a variety of carriers and extensive experience in real estate and hospitality risks, they provide fast turnaround and tailored coverage options that meet your clients’ needs. Their commitment to no shared limits and aggregates per location helps safeguard each insured’s unique exposure, especially in multi-property portfolios. If you're looking to place umbrella coverage for apartment complexes, hotels, or commercial real estate portfolios, McGowan offers a reliable, scalable solution. Contact McGowan today to discuss your client's specific needs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartments, hotels, office buildings, shopping centers, warehouses, and other real estate or hospitality risks seeking excess liability coverage. What are the available coverage limits?Limits range from $1 million to $100 million, offering flexible options to meet your clients' needs. Are the umbrella policies shared between insureds?No. Each insured receives their own individual policy and policy number—there are no shared limits. Is the program available nationwide?Yes. This program is available in all 50 states and Washington DC. What underlying carrier rating is required?The required underlying carrier rating is B++ / VI or better. Need help placing an account? Connect with a market specialist.

Distinguished Programs offers a focused Hotel, Resort, and Casino Umbrella Program for full-service hospitality properties. Built for upscale hotels, luxury resorts, and casino properties with complex operations and many amenities, this pre-layered umbrella delivers efficient, cost-effective excess-liability protection and high-limit capacity for agents placing hospitality risks. Ideal Accounts and Appetite This program is tailored for full-service hotels and resorts and is well-suited to accounts that combine lodging with entertainment, dining, and transportation services, including: On-site restaurants, bars, and lounge facilities Meeting, banquet, and event space Room, bell, and concierge services Casino operations — including tribal, riverboat, and hotel-casinos Spas, nightclubs, and liquor service exposures Valet and livery operations (passenger vans, limousines) Recreational amenities such as pools, golf courses, marinas, and beaches On-site entertainment: theaters, bowling, childcare, and similar services If your client’s property mixes lodging with active entertainment, food & beverage, and guest transportation, this program is designed to match that complexity. Coverage Highlights and Advantages Limits available up to $180 million Competitive pricing and pre-layered structures to streamline placement Hospitality-specific coverage enhancements and broad amenity protection Options that meet most brand and franchise coverage requirements Eligibility for both hotel owners and management companies Admitted placements with A.M. Best A–rated carriers available in most states The program’s hospitality-focused design reduces the need to cobble together multiple excess solutions and helps agents present a clear, market-ready capacity solution to clients. Underwriting Notes and Minimum Premiums Distinguished Programs can follow most underlying carriers rated A- VII or better by A.M. Best. Minimum premiums vary by account size, exposures, and location; the underwriting team uses more than 20 years of hospitality experience to evaluate risk efficiently and provide timely responses. Provide complete exposure details and underlying schedules to accelerate turnaround. Territories and Availability The Hotel, Resort, and Casino Umbrella Program is available across all 50 states and Washington, D.C., with admitted coverage options in most states. Whether the risk is a beachfront resort in Florida or a casino hotel in Nevada, Distinguished Programs can assist with placement and admitted/non-admitted structuring where appropriate. Why Work With Distinguished Programs? Distinguished Programs is an established MGA focused on the hospitality niche. Their underwriters understand hotel and resort operations and work with carrier partners to provide high-limit capacity and admitted placement where needed. Agents benefit from a streamlined submission process, hospitality-specific endorsements, and experienced loss control and claims guidance. Example fits: You might have a client who operates a 300-room beachfront resort with multiple F&B outlets, a spa, and a small marina needing excess limits above primary liability; or a casino hotel with event/conference space and valet operations seeking consolidated umbrella capacity. Both scenarios are the type of accounts this program is built to serve. Frequently Asked Questions What types of accounts are a good fit for this program?Full-service hotels, resorts, and casino properties—especially those with amenities like nightclubs, golf courses, spas, marinas, theaters, or significant food & beverage operations. Is casino exposure eligible under this umbrella program?Yes. The program accepts casino hotels, including tribal and riverboat casinos, within its hospitality appetite. What are the coverage limits available?Limits are available up to $180 million, subject to the account’s risk profile and underwriting review. Which states is this program available in?This umbrella program is available in all 50 states and Washington, D.C., with admitted options in most states. Can this program follow any underlying carrier?It can follow most underlying carriers rated A- VII or better by A.M. Best; provide complete underlying schedules and carrier ratings when you submit. Need help placing an account? Connect with a market specialist.