McGowan Excess & Casualty
Trade Contractors Umbrella Insurance
Overview of the Program From The McGowan Companies
The McGowan Companies offers a robust Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed specifically for agents and brokers seeking excess liability solutions for trade and artisan contractor clients. Whether your insureds are handling large-scale commercial construction or specialty subcontracting work, this program is built to provide the additional layer of protection needed to meet contractual requirements and protect against catastrophic loss.
As a Managing General Underwriter with access to a wide range of markets, McGowan brings deep underwriting expertise and flexible options to meet the unique needs of this sector. Most states are eligible, and coverage is available on a non-admitted basis in many areas.
Ideal Accounts and Appetite
This program targets a broad spectrum 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 solar panels for commercial properties or a subcontractor working on large municipal sewer projects, this program can offer the excess capacity they need to secure contracts and meet liability thresholds.
Coverage Highlights and Advantages
- Commercial Umbrella Liability – Provides a critical layer of liability protection above underlying policies.
- Follow Form Excess Liability – Flexibility to write excess layers over qualified lead umbrellas.
- Limits – Umbrella limits starting at $1MM, with capacity available up to $100MM. Excess layers can be written from $1MM to $100MM over existing lead umbrellas.
Coverage terms are designed to be competitive and responsive to the evolving needs of contractors, especially those working on high-exposure projects or with strict contractual insurance requirements.
Underwriting Notes and Minimum Premiums
A minimum A- / VII rating from underlying carriers is typically required, though exceptions may be made for Employers Liability (EL) carriers. McGowan’s underwriting team evaluates each submission thoroughly and is known for responsiveness and creativity in structuring layered excess programs.
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. Whether your agency is based in the Midwest, the South, or the West Coast, McGowan can help place umbrella coverage tailored to your client's geography and risk profile.
Why Work With The McGowan Companies?
With decades of experience in casualty and umbrella insurance, The McGowan Companies are known for underwriting excellence, speed to market, and access to both admitted and non-admitted solutions. Agents and brokers benefit from McGowan’s strong market relationships and commitment to helping you deliver value-added solutions to your contractor clients.
Contact McGowan today to learn how their Trade Contractors Umbrella Insurance program can help you grow your book and meet your clients’ excess liability needs.