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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.

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