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