General Liability (“CGL”) Coverage

General Liability Insurance

McGowan Excess & Casualty (MEC), formerly P.S. & Associates, is one of the pre-eminent program administrators in the U.S. MEC specializes in placing Excess & Surplus Lines Commercial General Liability (“CGL”) coverage for a wide range of light-to-medium hazard classes of business. McGowan Excess & Casualty works exclusively through wholesale insurance brokers.

Product Overview

Examples of Eligible Classes:

  • Adhesive Manufacturer
  • Apartments
  • Commercial Contractors of all types
  • Condos
  • Convenient Stores / Gas Stations
  • Hotels/ Motels
  • Lessor’s Risk Only Exposures
  • Manufacturers of all types
  • Real Estate Property Management
  • Restaurants incl. Liquor Liability
  • Shopping Centers
  • Vacant Buildings & Vacant Land

Products: Primary & Excess General Liability

Limits: GL: $1MM Occurrence/$2MM Aggregate, $2MM Occurrence/$1MM Aggregate Excess Limits: Up to $5MM (supported Excess only, on certain classes)

Special Coverages

Carrier: Multiple “A” Rated (Non-Admitted)

Minimum Policy Premium: Primary: $5,000 – Excess – $2,000

Territory: All Sates

Submission Requirements: Standard ACORD applications and minimum three (3) years of currently valued, carrier loss runs, (5) five years preferred.

Download: Primary Casualty Contacts
Download: Recently Bound Accounts
Download: Commercial Accounts Brochure
Download: Binding For Small Accounts – Appetite Guide