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McGowan Excess & Casualty General Contractors Umbrella Insurance Overview The McGowan Companies offers General Contractors Umbrella Insurance through its McGowan Excess & Casualty program to help agents place excess/umbrella capacity for commercial general contractors. This program provides standalone commercial umbrella liability and follow-form excess liability, with lead umbrella limits starting at $1 million and capacity available up to $100 million. Coverage is underwritten by a variety of carriers and is available in most states. Ideal Accounts and Appetite This program targets commercial general contractors and GC operations for mid-size to large projects. Typical classes we can consider include: Office buildings Schools and educational facilities Post offices and government facilities Nursing homes and assisted care facilities Shopping centers and retail developments Accounts with established loss control practices, disciplined subcontractor management, and lead umbrella placements from admitted or non-admitted carriers are preferred. Heavy civil, mining, oil & gas well sites, and specialty subcontractor-only operations are generally outside the appetite unless specifically negotiated. Coverage Highlights Products: Commercial Umbrella Liability and Follow-Form Excess Liability. Umbrella Limits: Lead umbrella placements from $1M (capacity available up to $100M). Excess Layers: Ability to write excess layers over lead umbrellas from $1M to $100M. Required Underlying Rating: A- / VII (exceptions may be made for employers’ liability carriers where appropriate). Carriers: Varies by submission—The McGowan Companies places with multiple facultative and treaty markets to secure capacity. Underwriting Notes Underwriters review account-level exposures such as payroll and contract values by operation, subcontractor usage, safety programs, and loss history. Typical information that speeds placement includes current primary and umbrella policies, five years of loss runs, a description of current operations and project types, and contractor payroll or project values by trade. The program can place follow-form excess layers over existing lead umbrellas subject to carrier approval. Territories and Admitted Status Availability: Most Available States. The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Some placements may be admitted or non-admitted depending on the carrier and state rules; please consult underwriting on a per-submission basis. Example Accounts You have a regional general contractor building a new office campus with a $10M project value and a $1M lead umbrella—this program can provide follow-form excess layers up to higher limits to align with contract requirements. You represent a developer GC for multiple school renovation projects seeking $5M–$20M aggregate umbrella capacity where consolidated excess placement and coordinated terms reduce gaps in coverage. Why Place This Business With The McGowan Companies Managing general underwriter with a construction-focused excess and casualty practice. Access to multiple carriers and the ability to assemble layered capacity up to $100M. Flexible placement—standalone umbrella or follow-form excess options to match primary program structure. Underwriting experience in commercial GC classes and willingness to consider reasonable exceptions for underlying employers’ liability carriers. Submission Tips To expedite evaluation, include complete primary and umbrella policy forms, five years of loss runs, description of operations by trade, payroll and contract values, and any risk control/safety documentation. If seeking excess layers over an existing lead umbrella, provide the lead umbrella policy and information on the lead carrier. Frequently Asked Questions What types of general contractors are a good fit for this program?Commercial general contractors working on office buildings, schools, nursing homes, post offices, shopping centers and similar projects are the primary targets. Accounts with formal safety programs, controlled subcontractor use, and stable loss history fit best. What limits and layering options are available?Lead umbrella limits start at $1M with capacity available up to $100M. The program can also write excess layers over existing lead umbrellas ranging from $1M to $100M, subject to underwriting and carrier approval. Are there minimum underlying carrier requirements?Yes. The typical required underlying rating is A- / VII. Underwriters may consider exceptions for employers’ liability carriers on a case-by-case basis—discuss exceptions with McGowan Excess & Casualty underwriters at submission. Which states is this program available in?The program is available in most states (see the list on the program page). Admitted vs. non-admitted placement depends on the carrier selected and state regulations; confirm availability with underwriting for the specific jurisdiction. Need help placing an account? Connect with a market specialist.

Enhanced Miscellaneous Professional Liability Program NEW Lower minimum premiums NEW Expanded eligibility to over 300 classes of Professional Liability, including: Target Classes Include: Technology Risks Independent or Public Adjusters Home Inspectors Real Estate Appraisers Property Managers Employment/Staffing Agencies Event Planners Funeral Directors / Morticians Graphic Designers Payroll Service Providers Landscape Architects ...and many more. Call for details! Program Overview from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a flexible Miscellaneous Professional Liability program designed for agents and brokers placing service-based professionals whose exposures fall outside standard industry programs. With recent expansion to more than 300 eligible classes and more competitive entry pricing, this program helps you secure tailored errors & omissions protection for non-traditional professionals and small firms. Ideal Accounts and Appetite This program targets small- to mid-sized professional service firms across a broad mix of classes. It is a good fit when your client provides professional advice, reporting, inspection, placement, or administrative services to third parties and needs E&O protection. Typical accounts include consultants, home inspectors, adjusters, real estate appraisers, staffing agencies, event planners, and creative professionals such as graphic designers. Example placements: A sole-practitioner home inspector seeking a primary professional liability policy with modest deductible and flexible limits. A regional staffing agency that needs coverage for placement errors and payroll-administration services across multiple client industries. Coverage Highlights and Advantages Option to structure defense costs outside the policy limit Personal injury coverage included when tied to professional services Contingent bodily injury and property damage coverage available Limits available up to $5 million per claim and in the aggregate Deductibles starting as low as $1,000 Underwriting Notes and Minimum Premiums Minimum premiums now start at $1,000, improving accessibility for smaller firms and startups. U.S. Risk underwrites with an emphasis on class-specific exposures and will consider accounts that may be difficult to place through standard carriers. Required submission materials vary by class — include completed applications, recent loss runs, and any applicable service agreements for faster review. Most markets are offered non-admitted, with access to multiple carrier partners. Territories and Availability This Miscellaneous Professional Liability program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Availability and admitted/non-admitted options may vary by state and class. Why Work With U.S. Risk Insurance Group? U.S. Risk acts as a program administrator with deep experience in niche professional liability markets. They provide responsive underwriting, access to multiple carrier appetite options, and program structures designed for hard-to-place risks. Working with U.S. Risk gives you flexible policy features and service-oriented placement support when standard markets are limited. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for a wide range of service professionals, including consultants, home inspectors, adjusters, appraisers, staffing agencies, and many creative or administrative service providers. What is the minimum premium for this program?The minimum premium starts at $1,000, making it a competitive option for smaller and emerging businesses. Are defense costs included within the policy limits?Defense costs can be structured outside the policy limit if selected, which helps preserve limits for indemnity exposure. Is this program available in my state?The program is available in most U.S. states. State-specific availability and admitted versus non-admitted options depend on class and carrier. What limits and deductibles are available?Coverage limits are available up to $5 million per claim and in the aggregate, with deductibles starting as low as $1,000. Need help placing an account? Connect with a market specialist.

...pectors and small environmental consulting firms commonly face on construction...on teams, and larger environmental consulting operations. The program accommod...

Hard to Place Bank Insurance — U.S. Risk Insurance Group, Inc. Send your hard-to-place bank submission to our team and let U.S. Risk Insurance Group, Inc. take it to the entire marketplace to quote. We place accounts in all markets — domestic, standard and London — and provide personalized consultation on every submission so agents can place their difficult financial institution risks with confidence. Overview of the Program U.S. Risk Financial Services (www.usriskfinancialservices.com), based in Nashville, Tennessee, is an excess & surplus lines broker with a long history of serving the financial and lender services industries. Our team is led by Executive VP Mike Hogan and staffed by underwriters and placement specialists who focus on banks, credit unions, mortgage lenders and related institutions. We work the full marketplace — admitted and non-admitted — to find solutions for accounts that need broader capacity, specialty terms, or London market capacity. Ideal Accounts and Appetite This program is designed for financial institutions that have difficulty placing coverage with standard markets. Typical accounts that fit include: Community banks and regional banks with complex management or operational exposures Midsize mortgage lenders and specialty finance companies with prior claims or regulatory matters Institutions seeking standalone cyber, crime or fiduciary limits beyond admitted market appetite Banks requiring lender liability or bankers professional coverage with specific endorsements Accounts with straightforward operations, clean claims histories and routine limits are still best placed in admitted markets; this program targets the harder-to-place scenarios where tailored terms, broader wording or non-admitted capacity are needed. Coverage Highlights and Advantages Direct access to multiple markets — domestic, standard and Lloyd’s/London — through a single point of contact. Wide coverage options: Directors & Officers (D&O), Employment Practices Liability (EPLI), Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability and Financial Institution Bond. Personalized consultation on strategy and policy structure for each account, including layered placements and follow-form excess. Experience placing accounts with regulatory exposures, complex claim histories, or specialty cyber and crime exposures common to financial firms. Underwriting Notes and Placement Process To expedite quoting, provide a complete submission: current policy forms and limits, loss run history (preferably five years), financial statements (or most recent call report), management resumes, and a summary of any claims or regulatory matters. We will review eligibility, recommend target markets, and advise on terms or risk-mitigation steps that improve placement prospects. We place business on both admitted and non-admitted bases depending on the client’s needs and market availability. Because we work broad markets, we can often obtain capacity where admitted markets cannot. Turnaround time depends on complexity; straightforward risks can receive indications quickly, while complex placements may require market canvass. Territories and Availability Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. We can consider business nationwide and in multiple market structures. Admitted status: All Available Markets — we will seek admitted or non-admitted placement as appropriate for the account and state regulatory conditions. Why Work With U.S. Risk on Hard-to-Place Bank Business Specialized financial institution practice with decades of experience placing bank, lender and financial services risks. Access to a wide range of carriers and London market capacity through an E&S brokerage platform. Hands-on consultation for underwriting strategy, policy structure and market selection led by seasoned professionals. A collaborative approach for brokers: we partner with you to present the submission, negotiate terms, and secure placement. Example Scenarios That Fit This Program You have a regional bank with a recent cyber incident and regulatory inquiry seeking higher cyber limits and tailored breach response wording — we can access carriers that will consider layered cyber and crime limits. An independent mortgage lender with prior lender liability claims needs a D&O/EPLI package with specialized exclusions removed — we canvass London and specialty markets for appetite and terms. For submission guidance, send a complete package and our underwriting team will provide targeted market strategy and next steps. Frequently Asked Questions What types of bank accounts are a good fit for this program?Hard-to-place community or regional banks, mortgage lenders, and specialty financial institutions with prior claims, regulatory matters, or needs for expanded cyber/crime or excess limits are a good fit. Routine, low-exposure accounts are usually best placed in admitted markets. Which coverages can U.S. Risk quote through this program?We can quote D&O, EPLI, Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability and Financial Institution Bond across domestic, standard and London markets. What submission materials does the underwriting team need?Provide current policies and limits, loss runs (preferably five years), recent financial statements or call reports, management resumes, and a summary of claims or regulatory issues. Complete files speed the quoting process. Is this program admitted or non-admitted?U.S. Risk will seek placement in admitted or non-admitted markets as appropriate. We have access to both and will recommend the best market structure for the account and state regulatory environment. Need help placing an account? Connect with a market specialist.

Don’t you owe it to your financial institution client to bring in an expert? Writing coverage for banks and other financial institutions requires confidence, experience, and deep industry knowledge. A single overlooked exposure can lead to significant losses for your client. U.S. Risk Financial Services specializes in protecting financial institutions with tailored insurance solutions that address complex and evolving risks. Our dedicated team of insurance and risk management specialists will help you place accounts with confidence. Overview of the Program from U.S. Risk U.S. Risk Insurance Group offers a comprehensive Financial Institution Insurance program designed to meet the unique needs of banks, credit unions, and other financial entities. With access to over 100 insurance markets, we provide brokers and agents with competitive coverage options and expert underwriting support, making it easier to secure the right protection for your insureds. Ideal Accounts and Appetite We are looking for a broad range of financial institutions, including: Community and regional banks Credit unions Trust companies Mortgage lenders and servicers Finance companies Whether you have a small community bank or a growing financial services firm, our program is designed to scale with the size and complexity of your client’s operations. Coverage Highlights and Advantages We offer a suite of coverages specifically designed to address the exposures faced by financial institutions: Directors & Officers (D&O) Liability Employment Practices Liability (EPLI) Cyber Liability Fiduciary Liability Bankers Professional Liability Computer Crime Lender Liability Financial Institution Bond In addition to broad market access, our services include: Individual consultation to identify and address client-specific risks Training and support for retail agency staff and their clients Market negotiation for optimal terms, conditions, and pricing Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the size, class, and coverage selected. As an Excess & Surplus Lines Broker, U.S. Risk offers both admitted and non-admitted solutions, giving you flexibility to find the best fit for your client’s needs. Accounts are evaluated individually, with a focus on risk profile, loss history, and operational controls. Territories and Availability This program is available in all 50 states and the District of Columbia, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Why Work With U.S. Risk? U.S. Risk brings decades of experience in financial institution insurance and a strong reputation for service and results. Our team acts as your partner, providing expert guidance, responsive support, and access to a wide network of specialty carriers. When you work with us, you gain more than a market—you gain a strategic ally focused on helping you protect your clients and grow your book of business. Frequently Asked Questions What types of accounts are a good fit for this program?Our program is ideal for community banks, credit unions, trust companies, mortgage lenders, and finance companies of varying sizes. What coverages are included in the program?We offer D&O, EPLI, Cyber Liability, Fiduciary, Bankers Professional, Computer Crime, Lender Liability, and Financial Institution Bond coverage options. Do you offer access to both admitted and non-admitted markets?Yes, we provide access to all available markets, including both admitted and non-admitted carriers, depending on the account and coverage needs. What support do you provide to retail agents?We offer individual risk consultations, agency staff training, and support throughout the placement process to make sure your clients get the best possible coverage. Is this program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.

...rofessionals such as architects, engineers, consultants, and many more. Whethe...ce providers, including architects, engineers, IT consultants, accountants, re...

The U.S. Risk Energy Insurance Program is built for land-based oil and gas businesses operating across the United States. Offered through U.S. Risk Insurance Group, Inc.’s specialized Energy Underwriting Division, this program gives agents flexible, market-accessible solutions for a variety of energy operations. With a focused underwriting team and placement access to more than 10 specialty markets, U.S. Risk helps agents structure terms for complex or hard-to-place energy accounts. Ideal Accounts and Appetite This program targets a wide range of land-based energy risks, including: Operators and non-operators Drilling contractors Well servicing contractors Other supporting oilfield service providers Typical fits include single-state contractors up to multi-state service firms. The program is focused on conventional oilfield exposures rather than offshore, pipeline-only operations, or upstream companies with highly unusual pollution histories. Coverage Highlights and Advantages U.S. Risk provides core liability protections commonly required by owners and operators: General Liability: Primary limits of $1,000,000 per occurrence / $2,000,000 aggregate Umbrella / Excess Liability: Up to $5,000,000, with access to additional excess capacity up to $10,000,000 Automobile Liability: $1,000,000 combined single limit Coverage is placed on a Surplus Lines basis to allow tailored terms, specialized forms, and flexible pricing for the unique exposures energy accounts present. Underwriting Notes and Market Access As a Managing General Underwriter (MGU), U.S. Risk combines dedicated underwriting expertise with access to more than 10 specialty markets that write energy business. Underwriters work directly with agents to evaluate operations, loss history, controls, and contract requirements to find the best market fit and structure appropriate limits and endorsements. Typical underwriting considerations include operational scope (drilling vs. service), distance between sites, equipment exposure, drivers and auto exposure, and safety programs. Accounts with significant pollution history, large offshore exposure, or unusual contractual liabilities may require referral or alternate markets. Territories and Availability The Energy Insurance Program is available nationwide in most states, including TX, OK, CO, LA, ND, and many others. U.S. Risk writes business in all 50 states plus Washington, D.C., making this a strong option for clients with multi-state operations. Why Work With U.S. Risk Insurance Group, Inc.? U.S. Risk offers niche energy underwriting backed by: Specialized underwriters who understand oil and gas operational exposures Access to a broad panel of over 10 markets for competitive placement options Flexible Surplus Lines capacity to craft terms for complex risks Nationwide availability and experience placing land-based energy accounts If you’re an agent placing contractors, operators, or other oilfield service providers, U.S. Risk provides market access and underwriting support to get accounts bound. Example scenarios you might place here: A Texas-based drilling contractor seeking GL and auto limits to meet a landowner contract across multiple counties. A regional well servicing company with operations in three states that needs a coordinated surplus lines placement and excess capacity. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?The program fits land-based oil and gas operators, drilling contractors, well servicing firms, and related service providers with conventional onshore exposures. Is this program available in my state?Yes. The Energy Insurance Program is available in most U.S. states, including TX, OK, ND, LA, CO, and many others. U.S. Risk writes in all 50 states and Washington, D.C. What coverages are available under this program?Available coverages include General Liability, Umbrella/Excess Liability, and Automobile Liability, all typically written on a Surplus Lines basis to allow flexible terms and forms. Can I access multiple markets through U.S. Risk?Yes. U.S. Risk has access to over 10 specialty markets that focus on energy risks, giving agents more options for placing business and structuring excess capacity. Who handles the underwriting for this program?U.S. Risk's dedicated Energy Underwriting Division handles underwriting, offering sector-specific expertise and a responsive placement process for energy accounts.

...edictive modeling, loss-control consulting, and comprehensive claim reporting....

Energy P&C Insurance — Victor O. Schinnerer & Company, Inc. Energy P&C is Victor O. Schinnerer & Company, Inc.’s admitted property & casualty program for energy and utility risks. Underwritten through Arch Insurance Company and administered by Schinnerer as the managing general underwriter, this program bundles core commercial lines tailored for oil, gas and pipeline exposures. Package policies are available to simplify placement for accounts that need multiple coverages under a single policy form. Program coverages Auto (fleet and contractor vehicles) General liability Crime Property (locations, leasehold, equipment) Inland marine (mobile equipment, tools, materials in transit) Excess liability Ideal accounts and appetite This program targets energy-sector operations where admitted placements and a coordinated package are important. Typical fits include: Upstream and midstream oil & gas operators with owned or leased well sites and related equipment Pipeline operations — operators, maintenance contractors and right-of-way exposures Schinnerer’s underwriting focus favors accounts with documented safety programs, routine maintenance records, and clear operational controls. The program is best suited for small to mid-sized operators and contractors whose exposures match the product lines above. Accounts with unusually large environmental liabilities, unresolved regulatory actions, or highly speculative operations may require referral or differenced terms. Coverage highlights and advantages Admitted paper (see availability below) with broad form property and GL options designed for energy operations Ability to package multiple coverages — simplifies billing and claims reporting for insureds Access to Arch Insurance Company capacity via Schinnerer’s MGA platform Inland marine and excess layers available to address equipment and catastrophic exposure gaps Underwriting notes When submitting, provide: Loss runs for the past five years Summary of operations, including number and type of sites, pipeline mileage, and contract work performed Safety and maintenance programs, permits and regulatory status Schinnerer underwriters value clear documentation of controls and loss mitigation. Package pricing and limits are determined case-by-case based on operations, limits requested, and loss history. Territories and availability The Energy P&C program is offered on admitted paper and is available across the following states: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Why place this business with Victor O. Schinnerer & Company, Inc. Schinnerer combines program underwriting expertise for energy risks with admitted-market capacity through Arch Insurance Company. Agents benefit from coordinated placement of multiple casualty and property lines, experience handling energy-specific exposures, and streamlined package options when insureds prefer a single policy solution. The MGA relationship allows responsive underwriting decisions on standard energy accounts while preserving admitted paper advantages for your clients. Example account scenarios You have a regional pipeline operator with multiple pump stations, company-owned compressor equipment and routine contractor traffic — Energy P&C can provide property, GL and inland marine coverages under an admitted package. You represent a small exploration firm with several well sites and mobile equipment — the program can combine auto, property and excess liability to consolidate limits and reduce administrative complexity. Frequently Asked Questions What types of energy accounts are a good fit for this program?Accounts in oil & gas production, gathering and pipeline operations that need admitted coverage and a multi-line package are the primary target. Small to mid-sized operators and contractors with documented safety programs typically fit best. Which coverages can I package through Energy P&C?The program can combine auto, general liability, property, inland marine, crime and excess liability. Packages are used to simplify administration and ensure coordinated limits across coverages. What submission materials does underwriting expect?Provide current loss runs (typically five years), an operations summary (sites, mileage, equipment), and documentation of safety and maintenance programs. These items speed review and improve placement chances. Need help placing an account? Connect with a market specialist.