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Real Estate

Market Overview

Eligible Classes:

  • Apartments
  • Light Industrial (UMB only)
  • Office Buildings
  • Office Condominiums *
  • Commercial Buildings
  • Retail Shopping Centers  
  • Warehouses (UMB only)
  • Destination Resorts (UMB only)
  • Timeshare Associations (UMB only) *
  • Mixed Use Buildings (i.e. Apartments + Retail &/or Offices)

*Primary D&O available

NOTE: Package and UMB are available monoline.

Coverage Offered - Package:

Coverage:      GL (including EPLI), Property, Equipment Breakdown, Crime, H&N-O.

Limits:             Property limits vary depending on territory, building construction, life safety.

Territory:         AZ, CO, DE, D.C., IL, IN, KY, MD, MI, MN, MO, NJ, NM, NV, NC*, OH, OR, PA, TN, UT, VA, WA, WI  * No wind coverage in NC


Coverage Offered - Umbrella:

Limits:             $1MM - $100MM

Limits:             Up to $225MM for Casino Hotels & Resorts

SIR:                NIL

Territory:         Nationwide

Coverage Parameters

Condo Package:

GL coverage is 1st dollar;

Property is R/C on a Blanket Basis & a deductible of 2%-5% is available for wind/hail areas

Coverage available for: Flood, Quake, Loss of Income, ERC and Equipment Breakdown.

Package minimum premiums are $5,000.00 - $10,000.00 depending on the state.


 Single Family HOA Package:

  • GL coverage in 1st dollar
  • Property is R/C and includes outdoor property such as: fencing, walls, entrance features, signs and irrigation systems
  • Blanket Waiver of Subrogation Provision - Waiver of rights of recovering against others


UMB Coverage:

Features:         Defense Costs Outside the Limits, No Shared Limits

F/F Coverage: GL, AL, EL, GKLL, Liquor

NOTE: Property Manager is covered as an Additional Insured on the Package and Umbrella.


All carriers are A Rated and policies are issued on admitted paper.

Commission Schedule

We offer competitive commission.

Application Requirements

McGowan Broker Agreement, Broker Questionnaire, Producer Background Report, E&O Dec Page, W-9, and Licensing Spreadsheet

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