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DealerGuard - Auto Dealer's Open Lot For over 30 years, DealerGuard from Amwins Underwriting has provided open-lot physical damage coverage tailored to franchised and large independent auto dealers, associations, and finance company floorplans. The program pairs targeted underwriting with consultative service, loss-control support, and nationally recognized claims administration to protect inventory parked on dealer lots. Sweet spot Franchised auto dealers or large independent auto dealers Low demo/employee ratio (<10%) Low loss ratio (<30% current year; <40% prior three years) 5+ years in operation (franchised); 3+ years in operation (independent) Eligible risks - Franchised automobile dealers. Typical operations include sales of new and used vehicles, with incidental maintenance, service, and repair. Minimum account premium is $10,000. - Dealer Open Lot coverage may be written in conjunction with Manufacturer and Floorplan coverage. Ineligible risks - Auto (daily or weekly) rental operations - Boat dealers Coverage highlights Dealer's Open Lot Available for “non-floored only” accounts when required. Inventory protection can be extended to motorcycle and bus dealers. Parametric Parametric hail coverage is available for dealers in high-weather-risk zones where traditional terms can be difficult to secure. Other coverages available (separate policies) - Pollution and Underground Storage Tank Services & claims - Loss control and consultative services - Claims management provided by a nationally recognized third-party administrator - Dedicated, client-focused service team Underwriting notes & minimums Amwins Underwriting operates this program as a non-admitted market focused on larger dealer accounts. The program’s minimum account premium is $10,000. Underwriters look for stable operations, clean loss histories, and strong on-lot controls. Typical requirements include a completed DealerGuard application and currently valued loss runs (current year plus four prior years). Submission requirements - Completed DealerGuard application - Currently valued loss runs (current plus four prior years) - Franchised dealers: page one of the most recent month-end financial statement for each franchise/dealership - Non-franchised dealers: detailed inventory listing for all vehicles Please send submissions to: [email protected] Territory & carrier Available in: AL, AK, AZ, CA, CT, DE, FL, GA, ID, IL, IN, KY, LA, ME, MD, MA, MI, MN, MS, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Carrier: Lexington. Program administered by Amwins Underwriting (MGA). Why place DealerGuard through Amwins Underwriting? Specialized underwriting for franchised and large independent dealers with decades of program experience. Integrated loss-control and claims services designed for large inventory exposures. Flexible options for non-floored risks, inventory types (including motorcycles and buses), and parametric solutions for hail-prone territories. Dedicated underwriting and service teams focused on dealer-floorplan and open-lot exposures. Example accounts that fit this program You represent a multi-franchise dealer group with consistent safety controls, a low demo-to-employee ratio, and a five-year operating history — ideal for DealerGuard placement. A large independent dealer with several satellite lots, clean loss runs, and a $12,000 account premium need — fits the program’s minimum and underwriting profile. When completing applications, please include the Date a Quote is Required and the Expiring and/or Target Premiums. Frequently Asked Questions What types of dealer accounts are a good fit for DealerGuard?DealerGuard is designed for franchised auto dealers and large independent dealers with stable operations, low demo/employee ratios, and strong loss histories. The program targets accounts with solid on-lot controls and multi-year operating experience. What are the submission and documentation requirements?Submit a completed DealerGuard application, currently valued loss runs (current plus four prior years), and financials or detailed inventory listings depending on whether the dealer is franchised or independent. Is there a minimum premium or territory restrictions?Yes. The program’s minimum account premium is $10,000. Coverage is available in the states listed above; confirm availability with underwriting for specific risks. Does the program handle claims and loss control?Yes. Amwins Underwriting pairs the DealerGuard program with loss control and consultative services and uses a nationally recognized third-party administrator for claims management. What is the parametric hail option and when is it used?The parametric offering provides a hail-triggered payout for dealers in high-weather-risk zones where traditional terms may be limited. It’s intended as an alternate solution for hail-prone portfolios. Need help placing an account? Connect with a market specialist.

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.

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Insential's Insurance for Special Events program delivers tailored coverage for organized and temporary events across most U.S. states. Whether your client is staging an intimate charity fundraiser or a large tradeshow, you can place the appropriate general liability and specialty coverages to protect the event, venue, and organizers. Overview of the Program From Insential As an experienced Excess & Surplus Lines Broker, Insential partners with multiple carriers to give agents access to the markets needed for event exposures. Our program is built for the unique risks of temporary and one-time events, offering flexible, responsive solutions and guidance on appropriate limits and risk classes. We combine quick quote turnaround with competitive terms and underwriting that understands event variability. Whether the insured is an event planner, venue host, caterer, or organization staging a public gathering, Insential helps you place the right coverages efficiently. Ideal Accounts and Appetite We handle a broad spectrum of event types, including: • Auctions • Art Displays • Bazaars • Banquets • Conventions • Craft Fairs and Displays • Charity Events • Concerts • Graduations • Lectures and Seminars • Meetings and Pageants • Proms and Reunions • Religious Assemblies • Parades and Shows • Static Auto Shows • Social Gatherings • Trade Shows • Receptions and Weddings Typical fits include one-time events and recurring functions where temporary exposures exist—venues, promoters, caterers, independent event planners, and nonprofit fundraisers. We also accept new ventures and first-time events when adequate underwriting information is provided. Example placements you might encounter: A community association hosting an annual block party that needs general liability and optional liquor liability for a single-day permit. An organizer running a three-day trade show requiring higher aggregate limits, vendor coverage considerations, and defense costs outside the limits. Coverage Highlights and Advantages Program features designed for event business: • Liquor liability available • Multiple deductible options, including $0 deductible options in select cases • Defense costs paid outside of policy limits • Supplemental applications accepted • 3-year loss runs where required • New ventures welcome • Quick quote turnaround to help you close business faster Underwriting Notes and Minimum Premiums Minimum premiums vary by event type, duration, location, and requested limits. Underwriting will consider attendee counts, alcohol service, security, vendor activities, and prior loss history. Supplemental applications and loss runs may be requested to complete the submission. Provide a clear description of operations, expected attendance, and any alcohol or rental equipment arrangements to help speed placement. Territories and Availability This program is available in most states, including but not limited to CA, TX, FL, NY, IL, and GA. We serve agents and brokers nationwide, with coverage accessible in 48 states plus Washington, DC. Contact Insential to confirm availability and specific filing requirements for your client’s location. Why Work With Insential on Special Events Insential focuses on specialty and hard-to-place risks and provides agents with market access and underwriter expertise for event business. Our strengths include targeted underwriting for temporary exposures, expedited quoting, and a willingness to consider new ventures and unusual risks. We aim to remove friction from the placement process so you can focus on serving your client. Let our team help you secure solid protection for your client’s next event—from weddings and receptions to large-scale conventions. If you need help placing an account, connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-time or recurring special events such as weddings, trade shows, concerts, charity fundraisers, and religious gatherings. Can new ventures or first-time events be covered?Yes. We accept new ventures and first-time events provided sufficient underwriting information is supplied. Is liquor liability available through this program?Yes. Liquor liability can be included based on the nature of the event and underwriting approval. What is the typical turnaround time for quotes?We offer quick quote turnaround—often within 24–48 hours—depending on the complexity of the risk and the completeness of the submission. Do you write business in all states?We offer coverage in most U.S. states, including DC. Contact us to confirm availability for your client’s specific location. Need help placing an account? Connect with a market specialist.

...rage for fair housing exposures Workers’ Compensation — available for qualif...ount’s risk profile. Can you provide Workers’ Compensation coverage?Workers’ Compensation is available for qualifying acc...

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