For insurance buyers, insurance agents and insurance wholesalers!For insurance buyers, insurance agents and insurance wholesalers!
The McGowan Companies
Contact Us
contact_phone Click to call
The McGowan Companies
Contact Us
contact_phone Click to call

Excess Auto Umbrella Insurance

McGowan Excess & Casualty
Excess Auto Umbrella Insurance

Overview of the Program From McGowan

McGowan Excess & Casualty, part of The McGowan Companies, offers a specialized Excess Auto Umbrella Insurance program designed for high-risk auto-related operations. This program provides flexible umbrella and excess liability solutions tailored for commercial auto clients with significant exposure. As a Managing General Underwriter (MGU), McGowan has access to a broad range of markets and underwriting expertise, helping agents secure competitive and comprehensive coverage for hard-to-place or high-limit accounts.

Ideal Accounts and Appetite

This program targets a wide range of transportation-related and delivery-focused operations, including but not limited to:
  • School Bus Operators
  • Shuttle Buses
  • Non-Emergency Medical Transportation (NEMT)
  • Ambulances
  • Sand & Gravel Haulers
  • Mix-in-Transit Vehicles
  • Water Haulers
  • Trash/Garbage Hauling Companies
  • Beverage Distributors
  • Fuel Oil Delivery Services
If you have clients in these industries that require higher liability limits due to contracts, municipal requirements, or elevated exposures, this program may be a strong fit.

Coverage Highlights and Advantages

McGowan offers both Commercial Umbrella and Follow Form Excess Liability products to meet a variety of coverage needs. Whether your insured needs coverage over auto, general liability, or employer’s liability, McGowan can help structure a layered solution.
  • Umbrella Limits: Starting at $1 million, with capacity up to $100 million
  • Excess Layers: Available from $1 million to $100 million above a lead umbrella
  • Coverage Types: Commercial Umbrella Liability and Follow Form Excess Liability
This flexibility allows you to build coverage towers that align with your client's contractual obligations or internal risk management strategies.

Underwriting Notes and Minimums

McGowan typically requires an A- / VII AM Best rating on underlying carriers, although exceptions may be considered for Employer’s Liability carriers. Their underwriting team understands niche transportation risks and can work with you to evaluate complex accounts. No specific minimum premium is listed, but pricing will reflect the risk class, limits requested, and territory.

Territories and Availability

The Excess Auto Umbrella Insurance program is available in most states, 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, DC, WV, WI, and WY. Most options are offered on a non-admitted basis, providing greater flexibility for tailored solutions.

Why Work With McGowan

McGowan Excess & Casualty brings specialized underwriting expertise and market access to a challenging segment of the commercial auto space. Their team understands the exposures associated with high-capacity vehicles, hazardous cargo, and municipal contracts. With flexible limits, broad appetite, and a commitment to responsiveness, McGowan is a valuable partner for agents placing excess auto liability coverage.

If you're working with clients who operate large fleets, transport hazardous or regulated materials, or simply need higher excess liability limits, McGowan’s Excess Auto Umbrella Insurance program is built to support your placement needs.

For more information on Excess Auto Umbrella Insurance, please contact us! 

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for transportation-related risks such as school buses, shuttle services, ambulance fleets, and fuel or beverage delivery companies needing higher liability limits.

What limits are available through this program?

Umbrella and excess limits range from $1 million up to $100 million, depending on the risk and underlying coverage.

Do underlying carriers need to meet certain ratings?

Yes, underlying carriers typically need an A- / VII AM Best rating. Exceptions may be made for Employer’s Liability carriers.

Is this program available in all states?

The program is available in most U.S. states. Please check availability for your client's state before submission.

What makes McGowan a strong partner for this type of coverage?

McGowan offers niche underwriting expertise, access to a wide range of markets, and the ability to structure high-limit layered liability solutions tailored to complex auto-related risks.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A+/XV
  • Commission:
    -
  • Min Premium:
    -

Browse

Request a Quote Now!

CONTACT INFORMATION

LOCATION

145 Wyckoff Road, Suite, 101
Eatontown, NJ 07724
732-335-8470
View Map

APPLICATIONS

  • Application

    To Obtain Quotes:
    Pricing indications are provided with the submission of the standard Acord submission (GL, Umbrella, Worker Compensation, etc.). For firm quotes we will require:
    1.  Acord applications (GL, Umbrella, Commercial Section);
    2.  At least 5 years of loss runs for all underlying policies;
    3.  Supplemental applications (at the underwriter's discretion).
    4.  Copies of the underlying GL and AL quotes


    To Bind Coverage:
    1.  A written request to bind;
    2.  A thorough Acord submission;
    3.  At least 5 years of loss runs for all underlying policies;
    4.  Supplemental applications (at the underwriter’s discretion);
    5.  Copies of the underlying GL polic(ies).

AGENCY LICENSING

Become A Broker
 
McGowan Excess & Casualty operates on an "open-brokerage" format. We do not hold our retail agents to premium or account volume requirements, so whether you place 1 account or 100 accounts with us we are always grateful for your business.

In order to become a fully-enrolled agent with McGowan Excess & Casualty, we require the following items:
(1) Copy of the agency's E&O declarations page evidencing at least $1MM in coverage;
(2) Copy of the agency's license;
(3) Updated W-9 form;
(4) Executed IPC Brokerage Agreement;
(5) Completed Brokerage Questionnaire.

Please contact our Compliance Administrator with any questions:
Heather Hysong, 800.545.1538 x3623, [email protected]

CompleteMarkets is The Insurance Industry's Professional Network
Please Register for FREE or Sign In to contact
Not an Insurance Agent? No problem, we help hundreds of people find the right agent/advisor every day!
Visit our dedicated Insurance Consumer section and we will recommend the right agent for your specific needs.
The McGowan Companies has other insurance programs like Accident & Health Insurance.