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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.

...r social services, home health / visiting nurse associations, and medical temporary staffing. ...ram available in all states?Yes. Our Workers' Compensation program is available in all 50 ...

Crisis Centers Insurance Program from AFC Insurance Inc. AFC Insurance Inc. offers a specialized Crisis Centers Insurance program designed to support organizations that provide vital emergency and advisory services to individuals in distress. This program is part of AFC’s broader Social & Human Services Insurance offerings, built to address the complex risk profiles of nonprofits and community-focused organizations. Whether your client operates a 24/7 crisis hotline, a walk-in mental health facility, or a rehabilitation program, this insurance solution is designed to deliver comprehensive protection tailored to their services. AFC Insurance Inc. serves as a Program Administrator, giving agents and brokers access to competitive coverage options through a variety of carriers. Ideal Accounts and Target Classes This program is best suited for organizations that offer urgent or ongoing crisis support services, including but not limited to: Mental Health Care Facilities Domestic Violence Programs and Shelters Alcohol & Drug Rehabilitation Centers Suicide Prevention Programs and Hotlines You might have a client who runs a nonprofit crisis center offering emergency counseling and temporary housing. Or perhaps a regional behavioral health organization providing outpatient services and referral hotlines—these are the kinds of accounts that fit well within this program’s appetite. Coverage Highlights and Advantages The program offers a robust range of coverages that respond to the unique exposures found in crisis intervention services. Available coverages include: Package Policies General Liability and Professional Liability Abuse & Molestation Coverage Umbrella Liability Property and Auto Coverage (with some restrictions) Coverage Endorsements for Volunteers and Independent Contractors Optional Key Employee Replacement Endorsement Optional Extended Coverage Endorsement with Blanket Additional Insureds These features help agents provide peace of mind to clients who rely on a mix of paid staff, volunteers, and third-party providers to deliver critical community services. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class, size of operations, services provided, and location. AFC Insurance works with agents to understand the nuances of each submission, aiming for efficient underwriting and tailored solutions. Accounts with strong risk management practices, documented procedures, and staff training are especially desirable. Territories and Availability This program is available in most states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, 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. The program is admitted in most of these states, though availability and restrictions may vary by location and class. Why Work With AFC Insurance Inc.? AFC Insurance Inc. brings deep expertise in the social and human services sector, with a long-standing commitment to helping community-based organizations secure the right protection. As a program administrator, AFC offers access to multiple carriers and flexible underwriting approaches. Their team understands the unique challenges that crisis centers face and can help you deliver responsive, well-rounded insurance solutions to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for crisis centers, mental health facilities, domestic violence shelters, suicide prevention hotlines, and substance abuse treatment programs. Are volunteers and independent contractors covered?Yes, the program includes endorsements that allow for coverage of volunteers and independent contractors as insureds. Is Abuse & Molestation coverage included?Yes, Abuse & Molestation coverage is available as part of the program, helping protect against serious liability exposures in crisis care environments. In which states is the program available?The Crisis Centers Insurance program is available in most states across the U.S., including CA, NY, TX, FL, and many others. Availability may vary by state and class. What is the minimum premium for this program?Minimum premiums vary by type of account, size of operation, and coverage needs. AFC Insurance Inc. evaluates each submission individually to determine pricing. Need help placing an account? Connect with a market specialist.

...ronments. Target classes include visiting nurse associations, home health agen... liability, property, D&O, auto, workers’ comp, umbrella, and third-party ...

...Home Healthcare Providers VNA (Visiting Nurse Association) Organizations Assisted... all states?Yes, the Home Healthcare Workers Compensation Insurance program is available ...

...Y) Home health care providers, visiting nurse agencies and hospice (except NY for c...hese programs can provide consistent workers’ comp placement with carriers tha...

General Liability Insurance is a critical first step in protecting appliance installation businesses from a wide range of risks. From property damage and bodily injury to advertising injury and reputational harm, this coverage forms the foundation of a risk management strategy for your clients in the appliance installation trade. Novatae Risk Group, through Empire Underwriters, offers a specialized General Liability Insurance program tailored to the needs of appliance installation contractors. Designed for small to mid-sized operations, this program offers flexible underwriting and access to both admitted and non-admitted carriers rated as high as A-XV. Whether your client installs appliances in residential or commercial settings, this program can help address their unique exposures. Overview: This program provides targeted General Liability coverage for Appliance Installation Contractors, helping your clients manage risks associated with on-site installations, customer property damage, and third-party injuries. With a minimum premium starting at $1,500, it's an accessible solution for smaller contractors seeking comprehensive protection. Ideal Accounts and Appetite: Appliance Installation Contractors Appliance Service Contractors Residential Appliance Installers Commercial Appliance Installers This program focuses on contractors with annual payrolls under $1,000,000. It's a great fit for agents working with insureds who handle appliance installation as their primary operation, whether in new construction or retrofit settings. Coverage Highlights and Advantages: Blanket Additional Insured Waiver of Subrogation Primary and Non-Contributory wording Per Project Aggregate Limits Subsidence coverage (with limitations) Prior Projects coverage (with limitations) These features help contractors meet contractual requirements and protect their business from claims arising during and after project completion. Underwriting Requirements: Completed ACORD Applications 3 to 5 years of currently valued loss runs Supplemental Application Project-Specific Pollution Application (if applicable) Territories and Availability: This program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Why Work With Novatae Risk Group: As a national wholesale broker, Novatae Risk Group brings deep expertise in placing niche contractor risks. Our team can quickly evaluate your submissions and help place tough-to-place appliance installation accounts with top-rated markets. Whether you handle residential or commercial contractors, our access to both admitted and non-admitted solutions gives you flexibility and speed in quoting. Contact us today at 800-758-8113 to speak with a broker, or email submissions to [email protected]. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized appliance installation contractors with under $1,000,000 in annual payroll, including both residential and commercial installers. Are both admitted and non-admitted markets available?Yes, the program offers access to both admitted and non-admitted carriers, with ratings as high as A-XV. Which states is this program available in?This program is available in over 25 states, including CA, TX, FL, NJ, and IL. Please contact us for availability in your state. What is the minimum premium for this program?The minimum premium starts at $1,500, making it accessible for small contractors needing essential General Liability protection. What documents are needed to submit an account?Submissions should include completed ACORD applications, 3–5 years of valued loss runs, a supplemental application, and a project-specific pollution application if applicable. Need help placing an account? Connect with a market specialist.

Nursing Home Workers Compensation Dividend Program Caitl...side of Indiana?No, the Nursing Home Workers Compensation Dividend Program is currently o...

...or: Heterogeneous groups or associations Stand-alone individual self-insu...ndividual employers, and industry associations with strong risk control practi...

...edical and allied health staffing (nurses, CNAs, allied clinicians) Professi...