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Environmental Insurance Overview of the Progra...s, loss history, and any relevant environmental assessments or reports. Can th...

...able from $1M to $100M over lead umbrellas The program helps manage catastrop...rs can also be structured over lead umbrellas within the same range. Is this p...

McGowan Program Administrators Museums and Cultural Insurance Overview of the Program from McGowan McGowan Program Administrators offers a specialized Museums and Cultural Insurance program designed for nonprofit and cultural institutions across the United States. Built to address the distinct operational and reputational risks these organizations face, the program provides tailored solutions for a wide range of cultural entities—including galleries, historical societies, botanical gardens, theaters, and more. With underwriting expertise in the nonprofit and arts sectors and access to top-rated carriers, McGowan is a reliable market for agents and brokers placing cultural accounts. Ideal Accounts and Appetite This program fits a broad array of cultural organizations, including: Aquariums Arboretums and botanical gardens Art galleries and exhibit spaces Children’s museums and science centers General and regional museums Historical societies and heritage museums Natural history museums and planetariums Nature centers Orchestras, theater troupes, and performing arts organizations Whether the risk is a small community museum, a volunteer-run historical society, or a regional orchestra with touring performances, this program offers capacity and flexibility to match operations of varying size and complexity. Coverage Highlights and Advantages McGowan’s program combines primary and excess solutions with management liability and specialty coverages that address museum-specific exposures. Key features include: Umbrella/Excess: Limits available from $1M to $25M, with follow-form options for many underlying exposures. Directors & Officers (D&O): Typical limits of $1M with defense costs outside the limit and coverage for monetary and non-monetary claims. Employment Practices Liability (EPLI): $1M limits that extend to employees, executives, and volunteers. Fiduciary Liability: Coverage up to $500,000. Additional program advantages include coverage for personal injury and publisher’s liability, defense for breach of third-party contract claims, and third-party discrimination protection. Umbrella follow-form options commonly extend over general liability, auto liability, employers liability, liquor liability, D&O and other underlying lines to provide consistent excess protection. Underwriting Notes and Minimum Premiums Underwriting emphasizes the quality of operations, exposure controls, and the condition of underlying insurance. For umbrella placements, a minimum underlying carrier rating of A- / VI is required. McGowan evaluates risks individually and works with agents to develop competitive terms based on an organization’s size, operations, volunteer usage, exhibit types, and touring activities. Specific minimum premium requirements are determined at submission and are evaluated on a case-by-case basis. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. McGowan’s market relationships allow you to place accounts regardless of client location. (Admitted/non-admitted placement will depend on the carrier options available for a given risk.) Why Work With McGowan on This Business As a program administrator with deep experience in nonprofit and cultural classes, McGowan combines underwriting expertise, accessible capacity, and responsive service. Agents benefit from a partner that understands the unique liability, management, and volunteer exposures museums face and can package liability, management liability, and excess capacity efficiently. McGowan’s focus on niche programs makes it a solid option for agents seeking tailored solutions for arts, cultural, and educational clients. You might have a client that runs a regional natural history museum with rotating exhibits and education programs—this program can address exhibit-related liability, volunteer exposures, and management liability. Or you may place a community theater or orchestra that relies on seasonal staff and touring performances; McGowan’s combined lineup of EPLI, D&O and excess limits provides practical protection for those operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for museums, cultural institutions, galleries, orchestras, arboretums, and other nonprofit or educational cultural organizations. What are the available coverage limits?The program offers umbrella limits from $1MM to $25MM, along with D&O and EPLI coverage at $1MM and fiduciary liability up to $500,000. Are volunteers included in EPLI coverage?Yes, the EPLI coverage includes protection for organizations, executives, employees, and volunteers. Is this program available in all states?Yes, the Museums and Cultural Insurance Program is available in all 50 states and Washington, D.C. What underlying carrier rating is required?A minimum A- / VI rating is required for umbrella coverage placements. Need help placing an account? Connect with a market specialist.

McGowan Program Administrators Community Associations Umbrella Insurance McGowan Program Administrators (MPA) offers a specialized Community Associations Umbrella Insurance program tailored for agents and brokers placing community association business. With broad eligibility, flexible underwriting and high-limit capacity, this program fills gaps in primary coverage and provides excess protection for a wide range of residential and mixed-use associations across the U.S. Ideal Accounts and Target Classes Eligible Classes: Condominium Associations Homeowners Associations (HOAs) Planned Unit Developments (PUDs) Townhome Associations Property Owners Associations Cooperatives Master Associations This program is designed for associations that require higher liability limits or broader excess protection. It works well for single-site associations as well as large master-planned communities and portfolios that need consistent excess placement across multiple locations. Coverage Highlights and Advantages Products Offered: Umbrella Liability Limits Available: $1MM – $100MM Required Underlying Rating: A- / VII (exceptions can be considered based on account quality) Key program features: Defense Costs Outside the Limits — Defense expenses are paid in addition to the policy limit, helping preserve indemnity limits. No Shared Limits — Each insured receives a separate policy and policy number for clearer limits and claims handling. No Exclusion for Real Estate Managers — Third-party property managers can be included, reducing coverage gaps for associations that use outside managers. Aggregates Per Location — Important for associations with multiple buildings or sites where location-based aggregation matters. Available “Follow Form” Coverages: Directors & Officers (including Employment Practices Liability) Automobile Liability Employers Liability These follow-form options allow the umbrella to align with a broad set of underlying policies for consistent excess protection. Underwriting Notes MPA partners with multiple carriers to provide flexible underwriting solutions. While an A- / VII underlying carrier is standard, high-quality accounts with strong risk controls may qualify for exceptions. The program supports a wide spectrum of risks — from small condo associations to complex master associations and account portfolios. Typical considerations include the size and financial strength of the association, claims history, property exposures, and management arrangements. Practical examples: You might have a condo association with limited primary limits and significant common-area exposures that needs $10M in umbrella capacity to meet contractual requirements and protect the board and members. You might place a large master association that requires location-based aggregates across several neighborhoods and follows form over D&O and auto liabilities for consolidated excess protection. Territories and Availability This program is available nationwide, including all 50 states and Washington, DC. MPA can bind coverage for coastal and inland risks alike and supports placements across the listed states. Why Work With McGowan Program Administrators? As a managing general underwriter focused on niche programs, McGowan Program Administrators combines underwriting expertise, responsive service and access to strong carrier capacity. Agents benefit from dedicated underwriters who understand community association exposures and can structure excess solutions that match each client’s organization, policy structure and risk profile. For more information on Community Associations Umbrella Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this umbrella program?This program is ideal for residential associations such as HOAs, condo associations, PUDs and cooperatives that need higher liability limits and broad excess coverage over common-area, board and management exposures. What is the minimum and maximum umbrella limit available?Limits range from $1 million to $100 million, depending on the account structure, underlying limits and underwriting considerations. Are real estate managers covered under this policy?Yes. The program does not automatically exclude third-party property managers, so associations that use outside management firms can often include their managers under the umbrella, subject to underwriting review. Can this program provide follow-form coverage over D&O and EPL exposures?Yes. Available follow-form coverages include Directors & Officers (including EPL), Automobile Liability and Employers Liability to allow seamless excess placement over those underlying policies. Is this program available in all states?Yes. The Community Associations Umbrella Insurance program is available in all 50 states and Washington, DC. Need help placing an account? Connect with a market specialist.

Commercial Umbrella Liability Insurance Program from First Choice Insurance Intermediaries, Inc. First Choice Insurance Intermediaries, Inc. offers a robust Commercial Umbrella Liability Insurance program designed to help agents and brokers protect their commercial clients against catastrophic liability losses. This program provides excess limits over the insured’s primary liability policies, including general liability, auto liability, and employer’s liability. It also helps close gaps and exclusions that may exist in the underlying coverage. Ideal Accounts and Appetite This program is well-suited for a wide range of commercial clients who require higher liability limits or who operate with elevated risk exposures. Ideal accounts include, but are not limited to: Contractors and construction firms with multiple job sites Retail businesses with significant foot traffic Distributors and manufacturers with product liability concerns Transportation and logistics companies needing excess auto liability Hospitality businesses such as restaurants or event venues with liquor liability exposures If you have a client with a growing operation or a high public exposure, this umbrella product can provide the additional peace of mind they need to operate confidently. Coverage Highlights and Advantages The commercial umbrella policy from First Choice can provide: Worldwide coverage Personal injury protection Blanket contractual liability for both written and oral contracts Care, custody, and control coverage Non-owned aircraft and watercraft liability Advertisers and liquor liability XCU (explosion, collapse, underground) liability Extensions of coverage to additional insureds This policy is designed to pick up where primary policies leave off, offering critical protection in high-severity loss scenarios. The umbrella can also respond when certain exclusions in primary policies might otherwise leave the insured exposed. Underwriting Notes and Deductibles The program requires underlying primary third-party liability coverage to be in place. Deductibles apply based on the underlying policy terms and limits. Premium financing is available, making this program an accessible option for a wide range of clients. While there is no fixed minimum premium listed, the program is structured to be competitive and flexible depending on the risk profile. Contact First Choice for underwriting requirements on specific accounts. Territories and Market Access First Choice Insurance Intermediaries, Inc. offers access to this program in the following states: AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Coverage is available in both admitted and non-admitted markets depending on the risk and jurisdiction, allowing flexibility to meet diverse client needs. Why Work With First Choice Insurance Intermediaries, Inc.? As a wholesale broker, First Choice brings deep market access and underwriting expertise to help you place challenging or high-limit liability accounts. Their umbrella liability product is designed for flexibility, with broad coverage and support for a wide range of industries. Whether your client operates nationally or regionally, First Choice can help you secure the protection they need to safeguard their business against large-scale liability exposures. Frequently Asked Questions What types of accounts are a good fit for this Commercial Umbrella program?This program is ideal for contractors, manufacturers, distributors, transportation firms, retailers, and hospitality businesses with significant liability exposures or the need for higher coverage limits. What underlying coverages are required?Insureds must carry primary liability policies such as general liability, auto liability, and employer’s liability. These serve as the foundation for the umbrella policy to provide excess coverage. Is premium financing available?Yes, premium financing is available to help make coverage more accessible for your clients. Is this coverage available in admitted markets?Some markets within this program are admitted, while others are non-admitted. Availability depends on the state and the nature of the risk. In which states is this program available?This Commercial Umbrella program is offered in AL, CA, CO, CT, DE, FL, GA, IL, IN, KS, LA, MD, MA, MI, MO, NV, NJ, NM, NY, NC, OH, OR, PA, SC, TN, TX, VA, WA, and WI. Need help placing an account? Connect with a market specialist.

... offers EnviroPAC, a dedicated Environmental Insurance program that helps agen... available in all states?Yes. Our Environmental Insurance program is available...

McGowan Program Administrators Historical Institutions Insurance Overview The McGowan Companies’ Historical Institutions Insurance program is a specialty market designed for museums, cultural institutions, performing arts groups and related nonprofit organizations. As a managing general underwriter, McGowan offers tailored combinations of umbrella, directors & officers (D&O), employment practices (EPLI) and fiduciary liability coverage through a variety of admitted and non-admitted markets. Coverage options are structured to protect institutional assets, volunteer leadership, employees and the organization’s reputation from the unique exposures faced by historical and cultural institutions. Ideal Accounts and Target Classes This program targets not-for-profit and municipal/affiliate institutions with exposures common to museums, galleries and cultural venues. Typical classes we place include: Aquariums, planetariums and nature centers Arboretums, botanical gardens and natural history museums Art galleries, children's museums and general museums Historical societies & museums and heritage organizations Orchestras, theater groups and other performing arts organizations Accounts with paid staff, active volunteer programs, and boards with fiduciary responsibilities are a particularly good fit. Coverage Highlights Umbrella limits: $1M – $25M (available to follow form over specified underlying lines) Directors & Officers (D&O): $1M primary limits with broad features Employment Practices Liability (EPLI): $1M limits Fiduciary Liability: $500,000 limits Key D&O features include defense costs outside the limits, coverage for monetary and non-monetary claims, personal injury offense coverage, third-party discrimination, defense of breach of third-party contract claims and publishers liability. EPLI wording names the organization, executives, employees and volunteers as insureds to reflect the makeup of cultural institutions. Available Umbrella "Follow Form" Coverages Umbrella follow-form capacity can be written over: General Liability Automobile Liability Employee Benefits Liability Directors & Officers Liability Employers Liability Liquor Liability Underwriting Notes Underwriting focuses on governance, risk management practices, claims history and exposures tied to volunteers and public events. Accounts with robust board oversight, formal HR practices, documented volunteer supervision and secured exhibition handling score favorably. High-risk features such as primary liquor exposure without controls, large unguarded populations, or significant special event admissions may require additional terms or decline. Carrier availability varies by account and state. Please submit with current financials (if available), a description of operations and any recent loss runs to obtain market-specific terms. Minimum premiums and final placement terms are set by the admitted or non-admitted carrier selected for each risk. Territories and Availability This program is available in the following states: 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. Carrier options and admitted status may vary by state. Why Place This Business With The McGowan Companies McGowan Program Administrators combines niche underwriting expertise with access to multiple markets, giving brokers flexibility to place complex cultural and nonprofit risks. The program is designed for efficient quoting and placement for accounts that need management liability, employment practices and umbrella layering that align with the operational realities of museums, galleries and performing arts organizations. Example Scenarios You have a midsize historical society with paid staff, a 12-member volunteer board and annual special events — this program can combine D&O, EPLI and umbrella limits to address leadership, employee and third-party exposures. You represent a regional children’s museum that hosts classes, summer camps and ticketed public exhibitions — EPLI with volunteer coverage plus umbrella follow-form capacity may be appropriate to protect both day-to-day operations and special events. For submission guidance and current appetite, contact McGowan Program Administrators. Provide a brief operations statement, current underwriting application, and loss history to begin placement. Frequently Asked Questions What types of historical institutions are a good fit for this program?This program is geared to museums, galleries, botanical gardens, arboretums, nature centers, planetariums, orchestras, theater groups and similar cultural nonprofits—especially those with a formal board, paid staff and organized volunteer programs. Which limits and coverages are available?Available coverages include umbrella limits from $1M to $25M, D&O ($1M), EPLI ($1M) and fiduciary liability ($500,000). Umbrella follow-form options can sit over GL, auto, employee benefits, D&O, employers liability and liquor liability where appropriate. Are placements admitted or non-admitted?Carrier selection varies by state and account—placements may be admitted or non-admitted depending on the market. McGowan will advise on carrier options and regulatory position during quoting. What submission materials improve placement speed?Include a current operations summary, recent loss runs (typically five years if available), an application for management liability and a description of volunteer and event policies. Strong governance and documented HR practices help secure favorable terms. Need help placing an account? Connect with a market specialist.

...es STATPro an ideal market for Environmental Consultants Professional Liabilit...ilable for part-time or temporary environmental consultants?Yes, the program i...