Search CompleteMarkets

...0% of claims against nonprofit organizations are employment-related. Employmen...tional and religious groups, arts organizations, and community service nonprof...

... exposures faced by non-profit organizations. With access to more than 30 top-...ous groups, and community service organizations. Is Employment Practices Liabi...

...ne societies Land trusts and preservation groups Libraries and museums Rotary clubs Social service organizations Sporting events and symphony or...ned for a wide range of nonprofit organizations such as alumni associations, c...

... both nonprofit and for-profit organizations. This program protects boards, in... strong fit. Agents should submit organizations with clear governance and stan...

...business groups Industry organizations with national or multi-state meet... trade associations, professional organizations, chambers of commerce, and eve...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Skeet Shooting Club Insurance program tailored to the unique risks of hunting and shooting operations. This program is built for agents and brokers who need flexible placement options for clients operating private or public shooting clubs, commercial hunting preserves, and indoor or outdoor ranges—covering archery, pistol, rifle, skeet, and trap shooting facilities. Ideal Accounts and Appetite This program is a strong fit for a range of shooting-sports operations, including: Private or public skeet and trap shooting clubs Commercial hunting preserves and game ranches Indoor and outdoor shooting ranges Facilities offering archery, pistol, rifle, skeet, or trap shooting For example, you might have a client operating a seasonal hunting preserve in Colorado or a year-round indoor shooting range in Nevada—both are types of accounts Colonial General routinely helps place. The program is set up to handle niche and challenging risks in this class of business. Coverage Highlights and Advantages The Skeet Shooting Club Insurance program offers mono-line and package policy options so you can match coverage to each account’s needs. Key features include: Commercial General Liability Primary limits available up to $3,000,000 per occurrence and aggregate $5,000 Medical Payments included Additional interests can be listed Liquor liability available where needed Excess/umbrella limits up to $25,000,000 No deductible required for general liability Crime Coverage Inside the premises — theft of money and securities Inside the premises — robbery or safe burglary of other property Outside the premises coverage available Property Coverage Basic, Broad, or Special form available Building and Business Personal Property Business Income and Equipment Breakdown Computer equipment and valuable papers Accounts receivable and outside signs Food spoilage Replacement Cost or Actual Cash Value valuation options Underwriting Notes and Minimum Premiums Colonial General works with admitted and non-admitted markets depending on the state and the account’s characteristics. Underwriting emphasizes the quality of operations, documented safety protocols, training practices, range design, guest supervision, and incident history. Minimum premiums vary by carrier and coverage package; underwriting will evaluate exposures and recommend the best structure for the account. Territories and Availability This program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Availability and admitted vs. excess & surplus placement may differ by state and carrier. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General offers deep expertise placing niche and hard-to-place risks. Their underwriting team understands shooting-club exposures and collaborates with agents to develop tailored submissions. With access to multiple carrier partners and flexible coverage options, Colonial General helps you secure competitive terms for complex shooting and hunting-related operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for skeet and trap clubs, hunting preserves, archery ranges, and indoor or outdoor shooting facilities that offer pistol, rifle, or trap shooting. Is liquor liability available under this program?Yes. Liquor liability can be added based on the facility’s operations and the carrier’s underwriting guidelines. Are both mono-line and package policies available?Yes. You can place mono-line general liability or a comprehensive package that includes property, crime, and liability coverages. What is the maximum liability limit available?Primary liability limits are available up to $3 million per occurrence/aggregate, with excess or umbrella capacity up to $25 million depending on the market. Which states is this program available in?The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Need help placing an account? Connect with a market specialist.

...velopers Contract research organizations (CROs) Tech companies offerin...ble to small and emerging R&D organizations. Is the program available in a...

...blicly held entities and other organizations with public exposures. Backed by ...e firms preparing for an IPO, and organizations with standard governance and m...

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.