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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.

McGowan Excess & Casualty Educational - Schools Umbrella Insurance McGowan Excess & Casualty offers a focused Educational - Schools Umbrella Insurance program built for school systems, colleges, and other training organizations. As a managing general underwriter (MGU) with broad carrier access, McGowan provides excess and umbrella capacity to protect institutions from catastrophic liability that exceeds primary policy limits. The program is structured to handle the unique campus, extracurricular, and employment-related exposures that educational entities face across all 50 states and Washington, DC. Ideal Accounts and Appetite Eligible Classes: Public and private school districts Charter schools and multi-campus charter systems Colleges and universities Trade, vocational, and technical schools Miscellaneous training facilities This program is best for institutions that need high-limit liability protection above their primary policies. Typical fits include campus environments with significant athletic, student housing, transportation, or research exposures, as well as multi-campus charter organizations and regional training centers expanding operations. Coverage Highlights and Advantages Products Offered: Commercial umbrella liability Follow form excess liability Available Limits: Umbrella: From $1M up to $100M Excess: Additional layers available from $1M to $100M over lead umbrellas The program helps manage catastrophic risk from student activities, athletic events, campus transportation incidents, and employment practice claims. Follow form excess options preserve continuity with the underlying policies, simplifying layer structure and claims handling for brokers and insureds. Underwriting Notes and Carrier Requirements McGowan generally requires underlying carriers to carry an A- (or equivalent VII) rating or better. Exceptions for Employment Liability carriers may be considered based on the account’s overall risk profile and structure. Underwriting review focuses on loss history, risk management practices, student and staff exposures, and the quality of primary carriers to ensure alignment with participating markets. No formal minimum premium is listed; pricing is determined by account size, exposure profile, limits requested, and the underlying program structure. Territories and Availability This program is available in all 50 states and Washington, DC, 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 McGowan Excess & Casualty McGowan brings deep experience placing complex liability layers and access to multiple excess/umbrella carriers that can write large limits—up to $100M. Their underwriting team understands the operational and legal exposures specific to educational institutions and works with brokers to structure layered programs that match the client’s risk profile and budget. McGowan’s flexibility and carrier relationships make them a strong option for difficult placements that need higher limits or tailored follow-form solutions. Example scenarios that often fit this program: A regional trade school expanding to multiple campuses that needs consistent umbrella limits across locations. A public university seeking large excess layers to address athletic events, student housing, and intercollegiate travel exposures. If you have an educational account—whether a growing charter network, a private college, or a vocational training center—McGowan can provide umbrella capacity and underwriting support to help you place the business. For more information on Educational - Schools Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include school districts, charter schools, colleges, universities, trade schools, and training facilities that require higher liability limits than standard primary policies provide. What are the available policy limits?Umbrella limits begin at $1M and can be placed up to $100M. Excess layers can also be structured over lead umbrellas within the same range. Is this program available in all states?Yes. The Educational - Schools Umbrella Insurance program is offered in all 50 states and Washington, DC. What are the underwriting requirements for underlying carriers?Underlying carriers are typically expected to have an A- (or VII) rating. Exceptions for Employment Liability carriers may be made depending on the overall risk and program structure. Who should I contact to get a quote or submit an application?Please reach out to McGowan Excess & Casualty directly for submission guidelines and quoting assistance. Need help placing an account? Connect with a market specialist.

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