The McGowan Companies
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
McGowan’s verified published guidance is program-driven rather than a single enterprise appetite guide. McGowan Program Administrators presents itself as a nationwide writer of specialized insurance programs and lists core products including community associations, real estate/habitational, healthcare, cannabis dispensaries, crisis management/active shooter, cyber, amusement & entertainment, restaurant, franchise/affinity, workers’ compensation, and youth sports. Broker access is open-brokerage: no minimum premium or volume commitments, but retail brokers must carry at least $1M E&O and complete onboarding with broker questionnaire, brokerage agreement, W-9, agency/individual P&C licenses for each state, and E&O dec page. Submission/broker handling is centralized through regional sales managers on the corporate submissions page, with state-by-state territory assignments, and compliance support is published for appointment and surplus-lines process questions. Practical underwriting detail available on product pages shows: Habitational/real estate appetite targets professionally managed apartments and related habitational risks, especially conventional rents, profitable/preferred accounts, buildings built post-1990, and owners/managers with 11+ rental units; eligible classes shown include mid-rise, garden, townhome, and 1-4 unit dwellings. Geographic notes for that habitational program include apartment availability in AZ, CT, DC, GA, ID, IL, IN, MA, MD, MI, NH, NV, NJ, NC, OH, OR, PA, RI, SC, UT, VA, WA, and WI; condominium associations in CT, MA, MD, NC, NH, NJ, PA, RI, SC, and VA; coastal restrictions include minimum five miles to coast north of Maryland, no Virginia Tier I counties, and no Tier I or II counties in the Carolinas or Georgia. A related ApartmentPro submission sheet indicates preference for class A/B, non-CAT, fully updated, professionally managed apartments and asks for ACORDs, statement of values, 5-year carrier loss runs, and a supplemental, submitted to apps@mcgowanprograms.com. Healthcare Facilities PL/GL guidance indicates authority over 50+ facility classes, with examples including dialysis centers, home care, imaging centers, laboratories, medical registry/staffing, mental health facilities, and surgery centers; coverage is nationwide, non-admitted, up to $5M, but they do not write stand-alone individual physicians unless part of a facility. Cannabis dispensary guidance highlights property, premises liability, and products liability for dispensaries with integrated cultivation, nationwide availability, online submission, 72-hour indication target, and published minimum premiums/limits; this is a target niche rather than broad standard-market business. Crisis management/active shooter guidance states they consider all classes of business, including government, education, religious, hospitality, entertainment, retail, and public entities, suggesting broad class acceptance for that specialty product. No single published master decline list was verified; restrictions are primarily program-specific, with the clearest explicit limitations being habitational CAT/coastal and age-of-construction rules, and the healthcare restriction against stand-alone individual physicians. Overall broker takeaway: approach McGowan as a multi-program specialty market/MGA, match submissions to a named product vertical, verify state/program fit up front, and include complete supplemental underwriting data for the selected program to improve turnaround.