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...pensation program tailored for environmental contractors. With access to A.M. ...sation program?Mid-sized to large environmental contractors, including remedia...

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.

Since 1994, CPAGold — a program administered by Amwins Underwriting — has offered a focused professional liability solution for Certified Public Accountants. This program is designed for agents placing E&O and related professional liability exposures for accounting firms seeking broad, flexible coverage and underwriting expertise from a specialized managing general agency. Overview of the Program from Amwins Underwriting CPAGold targets accounting firms that need tailored professional liability protection, including traditional errors & omissions coverage plus defense for disciplinary matters and privacy/cyber extensions. Amwins Underwriting underwrites the program with an emphasis on practical coverage, supplemental endorsements, and options that reflect common CPA exposures. Ideal Accounts and Appetite Small to mid-sized CPA firms (1–50 professionals) with a balanced mix of tax, audit, compilation, and advisory work. Firms with more than 50 CPAs can be considered on a case-by-case basis. Best suited to firms with standard practice areas rather than highly specialized or unusually risky niches—ask underwriting for borderline or specialty practices. Example fits: You might have a 12-person firm that performs tax, bookkeeping and small business consulting seeking a combined E&O and disciplinary defense package; or a 30-person regional firm looking to add privacy and network security coverage to their professional liability limits. Coverage Highlights and Advantages Errors & omissions (professional liability) tailored for accounting practices Defense expenses for disciplinary proceedings and regulatory investigations Subpoena expense coverage and expense reimbursement Claim mitigation assistance Privacy-covered acts and network security coverage to address data breach and cyber exposures Policy enhancements and special endorsements available to broaden protection where needed Limits available from $100,000/$200,000 up to $5,000,000/$5,000,000 Underwriting Notes As a Managing General Agency program, CPAGold emphasizes a streamlined underwriting process with experienced UW personnel who understand CPA exposures. Typical submission items include a completed application, current and prior acts information, claims history, and descriptions of risk management or cybersecurity controls where applicable. Underwriting will review practice mix, revenue distribution by service line, any open disciplinary matters, and prior claim experience. Firms with complex specialty practices or significant claim histories should be discussed with underwriting before submission. Territories and Admitted Status Available in the following territories: 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. Placement under CPAGold is handled through Amwins Underwriting as a program market. Note: this program is positioned as a non-admitted/surplus lines offering in applicable states — confirm availability and placement rules for the insured’s state of domicile. Why Work with Amwins Underwriting on This Business Niche CPA focus: underwriters experienced with accounting firms and their unique exposures. Comprehensive coverage package that goes beyond basic E&O to include disciplinary defense and cyber/privacy extensions. Flexible limits and endorsements to match firm size and risk profile. Responsive MGA service model geared to help brokers place accounts efficiently and tailor terms where appropriate. Submission Tips Include a completed application and the last 5 years of loss history when possible. Describe practice mix (tax, audit, advisory, bookkeeping) and list any specialty services. Provide summaries of any regulatory or disciplinary matters, even if closed. If requesting network security or privacy extensions, include information on data controls and incident response plans. Frequently Asked Questions What size firms are eligible for CPAGold?The program primarily targets small to mid-sized CPA firms (1–50 professionals). Firms with more than 50 CPAs may be considered on a case-by-case basis—submit details to underwriting for review. What limits and coverages are available?Limits range from $100,000/$200,000 up to $5,000,000/$5,000,000. Standard coverages include professional E&O, disciplinary defense, subpoena expense, and options for privacy and network security. Endorsements and enhancements are available. Is this an admitted or non-admitted program?CPAGold is offered through Amwins Underwriting as a non-admitted/surplus lines program in applicable states. Verify placement rules and surplus lines requirements for the insured’s state of domicile. What does underwriting typically require with a submission?Provide a completed application, prior acts information, at least the last several years of claims history, a practice mix, and any information on disciplinary matters or cyber controls if privacy/network coverage is requested. 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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