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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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Parking Lot/Driveway Insurance program to help agents place difficult-to-insure accounts across the western U.S. The program can provide Property and Liability coverage on a monoline or package basis and is designed for businesses that perform parking lot, driveway, and sidewalk services. It is ideal for contractors engaged in cleaning, sweeping, paving, seal coating, striping, snow removal (incidental), and pressure or water cleaning—operations with routine exposure to high-traffic areas and surface-maintenance risks. Ideal Accounts and Appetite This program is best suited for small to mid-sized contractors and maintenance companies specializing in: Parking lot and driveway cleaning or sweeping Paving and repaving services Seal coating and line striping Incidental snow removal (not heavy or prolonged snow operations) Pressure washing or water cleaning of sidewalks and lots Underwriters prefer accounts with documented safety practices and stable loss histories. Operations that perform structural work, have frequent prior claims, or conduct heavy snow-removal on a regular basis often fall outside the program’s appetite. Coverage Highlights and Advantages Property Coverage Includes: Basic, Broad, or Special Form options Building, Contents, and Business Income Contractor’s Equipment and Inland Marine Computer Equipment and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs Replacement Cost or Actual Cash Value valuations Commercial General Liability Features: Primary limits up to $3,000,000 occurrence/aggregate Medical Payments – $5,000 included Umbrella/Excess available up to $25,000,000 (subject to underwriting) Additional Insured endorsements available for $100 each Minimum deductible of $500 Crime Coverage Options: Inside premises — theft of money and securities Inside premises — robbery or safe burglary of property Outside premises coverage Underwriting Notes and Minimum Premiums Colonial General works with a mix of admitted and non-admitted carriers depending on state and account specifics. A $500 deductible is standard; final pricing will depend on the scope of operations, payroll, revenue, equipment values, and loss history. Clean, well-documented submissions with clear safety programs and loss-control measures receive the best consideration. Territories and Availability This program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General leverages regional underwriting relationships across the western U.S. to place accounts in both admitted and excess & surplus markets where appropriate. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents streamlined access to competitive markets and underwriting expertise for niche contracting risks. Their Parking Lot/Driveway Insurance program pairs flexible coverage options with regional market knowledge—helpful whether you’re placing a new paving startup or an established lot-maintenance contractor. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in parking lot or driveway cleaning, sweeping, paving, seal coating, striping, and incidental snow removal or pressure washing. Are both property and liability coverages available?Yes, Colonial General offers both Property and Commercial General Liability coverage on a monoline or package basis, depending on the needs of the insured. What states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Can I get Excess or Umbrella limits through this program?Yes, Excess or Umbrella limits are available up to $25,000,000 subject to underwriting approval. Does the program include coverage for contractor's equipment?Yes, Contractor’s Equipment coverage is available under the Property section of the policy. Need help placing an account? Connect with a market specialist.

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