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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...

...for a broad range of mobile home community risks, including: Mobile home pa...alists experienced with mobile home community exposures, enabling faster, more...

...d access to a carefully selected community of top-flight hospitals, doctors, d... HTH's international medical community, selected using exacting standar...

...e placements you might submit: a community hospital with prior medical board a...of accounts are a good fit for this Hospitals Errors and Omissions Insurance program?This program fits hospitals, clinics, diagnostic labs, ambul...

...any, Inc. offers a comprehensive Hospitals & Healthcare Organization Insur...s program?This program is ideal for hospitals, clinics, assisted living facili...

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

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.

...nd Appetite Hospital systems, community hospitals and regional health netwo...ood fit for this program?Mid-market hospitals, physician groups, eldercare fac...