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McGowan Program Administrators Museums Insurance Comprehensive insurance solutions for museums and cultural institutions McGowan Program Administrators’ Museums Insurance program is designed for ag...ailable nationwide? Yes. The Museums Insurance program is available in...

... Exclusive Fine Arts Coverage for Museums and Historical Societies Huntington...e available for American Alliance of Museums (AAM) members and accredited inst...

...s faced by collectors, galleries, museums, dealers and consignors. As a genera...ate collections, galleries, dealers, museums and wine collectors where valuati...

... country. HTB insures over 1,000 museums, 500 art galleries, and numerous For...ram?This program is ideal for public museums, libraries, universities, and gov...

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.

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 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.

...ng, or repair at historic houses, museums, and institutions. Small- to mid...

The McGowan Companies — McGowan Program Administrators Hospitality Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan Program Administrators, offers a robust Hospitality Umbrella Insurance program that helps agents and brokers secure excess liability capacity for a wide range of commercial real estate and hospitality clients. As a program administrator with access to multiple carriers, McGowan delivers specialized underwriting, flexible layered limits, and solutions tailored to complex liability exposures. Ideal Accounts and Appetite This program targets insureds in the hospitality, commercial real estate, and light industrial sectors. Eligible classes include: Apartments Hotels and Motels Light Industrial Properties Office Buildings and Office Condominiums Shopping Centers and Strip Malls Timeshares Warehouses The program is well suited to multi-location portfolios and regional operators who need higher liability limits or coordinated excess placement across properties. Example scenarios: You have a regional hotel chain seeking excess limits above primary policies for multiple properties — the program can place limits efficiently without shared policy limits. A property owner with several retail strip centers needs consolidated umbrella capacity with per-location aggregates — this program handles that structure. Coverage Highlights and Advantages McGowan’s Hospitality Umbrella Insurance offers features designed for hospitality and commercial property risks: Limits available from $1MM to $100MM Defense costs paid outside the coverage limits No shared limits — each insured receives its own policy and policy number No exclusion for real estate managers Aggregates calculated per location Available follow-form coverage includes: Automobile Liability Employers Liability Employee Benefits Liability Liquor Liability Underwriting Notes and Minimum Premiums Underwriting requires quality primary programs and focuses on operations, controls, and loss history. All underlying carriers must be rated B++ / VI or better. The program accommodates a range of risk profiles, but specific terms, retentions, and minimum premium requirements vary — please contact McGowan for underwriting criteria and minimum premium details. Territories and Availability This hospitality umbrella program is available nationwide, including all 50 states and Washington, D.C. Admitted or non-admitted placement will depend on state and carrier availability. Why Work With The McGowan Companies on This Business? The McGowan Companies brings decades of program administration experience and deep familiarity with hospitality and commercial real estate exposures. Their underwriting team provides: Access to multiple carrier partners for layered umbrella placements Specialized underwriting that understands property- and hospitality-specific liability risks Flexible structures (per-location aggregates, individual policy numbers) to meet portfolio needs Responsive service to help you move placements quickly If you need excess capacity for hotels, apartments, shopping centers, or mixed-use commercial portfolios, McGowan’s Hospitality Umbrella program is built to deliver stable capacity and practical placement mechanics. For more information on Hospitality Umbrella Insurance, please connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for apartments, hotels, motels, shopping centers, office buildings, light industrial properties, and similar commercial real estate or hospitality risks, including multi-location portfolios. What limits are available under this umbrella program?Limits range from $1 million up to $100 million, subject to risk profile and underwriting approval. Is this program available on an admitted basis?Admitted or non-admitted availability varies by state and carrier; the program is available nationwide. Are defense costs included within the limits?No. Defense costs are paid outside the policy limits, which can preserve limits for indemnity payments. What is required for the underlying insurance?Underlying carriers must have a minimum rating of B++ / VI or better; McGowan will also review loss experience and operational controls when underwriting. Need help placing an account? Connect with a market specialist.

McGowan Excess & Casualty Accident & Health Insurance Accident & Health Insurance Solutions for a Wide Range of Group Activities McGowan Excess & Casualty offers a focused Accident & Health Insurance program designed to meet the needs of groups that run structured activities where accidental injury is a primary exposure. This program is built for agents and brokers who place coverage for clients such as youth sports leagues, schools, camps, fitness and activity centers, and one-day or multi-day events. Policies are underwritten with access to carriers rated A- / VII or better, providing market stability for higher-risk group operations. Ideal Accounts and Eligible Classes This program is suited to a wide variety of organizations and group activities where participants face physical risk. Target classes include: • Club & Intramural Teams • Clinics & Leagues • Special Events (1 Day or Longer) • K-12 Schools • Day Care, Nursery Schools, and Pre-Schools • Intercollegiate Athletic Programs – Exclusive Access to an "A" Rated Carrier • Camps – Sports & Non-Sports • Before & After Care Programs • Religious Groups • Fitness Clubs • Dance Studios • Martial Arts Facilities • Volunteer Groups If you represent clients who operate summer camps, youth sports organizations, or large community events, McGowan’s program offers coverage options that help those insureds meet their duty of care and address participant injury exposures. Coverage Highlights and Special Features The program provides customizable Accident & Health features designed for group exposures, including: Accidental Death & Dismemberment limits from $2,500 to $50,000 Accident Medical Expense limits from $5,000 to $100,000 Deductible options ranging from $0 to $10,000 Dental coverage included within medical expense limits Excess coverage options to layer limits as needed Additional casualty and ancillary coverages are available on request to create broader protection packages: General Liability Hired and Non-Owned Auto Liability Sexual Abuse / Molestation coverage McGowan also places Commercial Umbrella and Follow Form Excess Liability products to complement core Accident & Health limits for accounts with higher liability exposures. Underwriting Considerations Underwriters generally require an underlying carrier with an A- / VII rating or better. Exceptions for certain Employer Liability carriers may be considered on a case-by-case basis. Minimum premium requirements vary by class and exposure; McGowan’s underwriting team will work with you to evaluate each risk and determine appropriate terms. Available Nationwide This program is available in all U.S. states and Washington, D.C. Territories served include: AL, AK, AZ, CA, CO, CT, DE, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With McGowan Excess & Casualty? As a Managing General Underwriter, McGowan Excess & Casualty brings deep accident and health underwriting expertise plus exclusive market access. Agents benefit from responsive underwriting, flexible coverage structures, and a broad appetite for accounts involving minors, volunteers, and physical activity. The program is designed to be carrier-stable and practical for producers placing group activity risks. Example account scenarios: You might have a client that runs a seasonal youth soccer league seeking accident medical limits and AD&D coverage for participants and volunteers during practices and games. Or a K-12 school district that needs short-term accident medical coverage for extracurricular athletic programs and field trips, with the option to add excess layers. What types of accounts are a good fit for this Accident & Health program?Accounts that manage structured group activities with participant exposure — youth sports teams, camps, schools, day care programs, and special events — are all good fits, subject to underwriting review. Is general liability included in the program?General liability is not included by default but can be added upon request to create a combined package with Accident & Health coverage. Are one-day events eligible for coverage?Yes. One-day and multi-day special events are eligible, subject to underwriting and event details such as attendance, activities, and risk controls. Can I write business in any state?Yes. McGowan’s Accident & Health program is available across all U.S. states and Washington, D.C. What is the financial rating of the carriers used?The program places business with carriers rated A- / VII or better; exceptions for certain Employer Liability carriers are considered on a case-by-case basis. Need help placing an account? Connect with a market specialist.