Binding Authority

General Liability & Package Binding Authority

McGowan Excess & Casualty (MEC) has an In-House, Multi Class, General Liability and Package Binding Program. MEC underwrites General Liability and Property (when packaged with GL) on behalf of an A.M. Best “A” Rated Carrier on a Non-Admitted basis. The product is designed for small to medium accounts and is currently available in most states.

Product Overview

Examples of Eligible Classes:

  • Vacant Land
  • Vacant Buildings
  • Restaurants
  • Sandwich Shops
  • Warehousing
  • Apartment Buildings (Including multi-use)
  • Bars/Taverns
  • Concrete Mix in Transit
  • Contractors – GC’s and Trade
  • Roofing Residential and Commercial
  • Sand or Gravel Digging
  • Auto Repair Shops
  • New Ventures

Products: General Liability and Property (Only When Packaged with GL)

Limits: GL: $1MM Occurrence/$2MM Aggregate, Property: Up to $5MM TIV (Any 1 Location)

Special Coverages

Carrier: “A” / XV (Non-Admitted)

Property: Up to $5MM (TIV- Any 1 Location)

Minimum Policy Premium: General Liability: $3,500 – $50,000 (Plus Fees & Taxes)

Territory: Most States – Currently not available in AK, DE or HI

Submission Requirements: Standard ACORD applications and three (3) years of currently valued, carrier loss runs

Download: Primary Capability Brochure