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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.