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McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

U.S. Risk Underwriters has the markets and expertise to help you place coverage for your Title Agent accounts. With a dedicated in-house underwriting team and access to top-rated markets, U.S. Risk Insurance Group, Inc. offers a national Title Agents Errors & Omissions (E&O) program designed to protect professionals in the title industry. Our specialists provide responsive service and fast turnaround on quotes, helping you meet your clients' needs efficiently. This program is written through an A+ XV rated carrier and is available in most states across the U.S. It features low minimum premiums starting at $2,500 and competitive rates structured to support agencies of all sizes. Ideal Insureds Include: Title Insurance Agents Escrow Agents Title Abstractors Title Searchers Closing Agents Notary Publics Whether your client is a solo notary or a multi-state title agency, this program is designed to address the professional liability exposures unique to their operations. You might have a client who conducts real estate closings and manages escrow accounts—this program can help protect them from claims arising from errors, omissions, or disciplinary actions. Coverage Features: • Prior Acts coverage available • Independent contractor coverage available • Supplemental coverage for disciplinary proceedings • No minimum revenue requirements • Claims expenses included within the limit of liability Limits and Deductibles: • Limits from $100,000 to $1,000,000 per claim and in the aggregate • Deductibles starting at $5,000, applying to both damages and claims expenses Program Availability: U.S. Risk offers this program nationwide in most markets, 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, DC, WV, WI, and WY. Why Partner With U.S. Risk: As a leading program administrator, U.S. Risk Underwriters brings deep expertise and strong carrier relationships to the table. Our team is focused on helping independent agents like you successfully place E&O coverage for title professionals, offering you dependable underwriting, consistent communication, and access to competitive products. Frequently Asked Questions What types of accounts are a good fit for this Title Agents E&O program?This program is ideal for title insurance agents, escrow agents, abstractors, title searchers, closing agents, and notaries. Both small and mid-sized firms are eligible, including those using independent contractors. Is prior acts coverage available?Yes, prior acts coverage can be included, subject to underwriting review and approval. Are there revenue restrictions for eligibility?No, this program does not impose minimum revenue requirements, making it accessible for smaller operations as well as larger agencies. What are the minimum premium and deductible requirements?The minimum premium starts at $2,500, with deductibles beginning at $5,000. These apply to both damages and claims expenses. In which states is this program available?The Title Agents E&O program is available in most U.S. states. Please contact U.S. Risk for availability in specific jurisdictions. Need help placing an account? Connect with a market specialist.

Owning a janitorial company means being trusted to keep...00, making it suitable for smaller janitorial operations seeking comprehensive...

Janitorial and cleaning businesses face unique...res eligible for coverage?Yes, new janitorial businesses with no prior coverag...

...ers a dedicated Auto Service Shop Workers Compensation Insurance program throu... with our brokers about Auto Service Workers Compensation accounts. Need a Workers Compensation quote for an auto service shop ...