McGowan Excess & Casualty: Specialty Insurance

Specialty Insurance

McGowan Excess & Casualty (MEC) is a Program Manager that specializes in writing Umbrella & Excess Liability products for a broad range of commercial customers. MEC underwrites on behalf of “A” Rated Carriers, on both Admitted and Non-Admitted paper, and its products are available in all 50 states.

As an Program Manager, we perform all of the underwriting functions of our carriers; we do the underwriting, rating, and policy issuance “in house.” As a consequence, we can provide you with extraordinary service, competitive premiums, and broad coverage.

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Product Details

CARRIER

“A” Rated Carriers / Admitted Paper

TERRITORY

Nationwide

ELIGIBLE CLASSES

Accident & Health

Club & Intramural Teams
Clinics & Leagues
Special Events (1 day or longer)
K-12 Schools
Day Care, Nursery Schools, and Pre-Schools
Intercollegiate Athletic Insurance
Camps – Sports & Non-Sports
Before & After Care Programs
Religious Groups
Fitness Clubs
Dance Studios
Martial Arts Facilities
Volunteer Group

Boiler & Machinery:

Air Conditioning & Refrigeration
Electrical Equipment
Mechanical Equipment
Business Equipment
Production Machinery
Generators
Boilers and Pressure Vessels

SPECIAL FEATURES & COVERAGES

Accident & Health

Accidental Death & Dismemberment – $2,500, $5,000, $10,000, $25,000 or $50,000
Accident Medical – $5,000, $10,000, $25,000, $50,000 or $100,000
Deductibles – $0.00 to $10,000
Dental Limits – Included in Accident Medical Expense Limits
Excess Coverage
General Liability – Available Upon Request
Hired Non-Owned Auto – Available Upon Request
Sexual Abuse / Molestation – Available Upon Request

Boiler & Machinery

“New Generation” Coverage - Up to 125% of replacement value of unrepairable equipment to cover costs for upgrades to state-of-the-art technologies.
Green Coverage Update - An extra 5% – up to $25,000 – above covered amount of loss to help make the switch to proven environmentally-friendly alternatives.
Property Damage Coverage for Fungus - Automatic coverage of $15,000 per covered location.
Selling Price Valuation - Expanded to include all property held for sale – whether or not manufactured by your client.
State-Mandated Equipment Inspections and Risk Control Surveys Control Costs
Personalized Account Management to Provide Clients Consistency
Non-Destructive Testing to Control Unplanned Outages