Overview of the Program From The McGowan Companies
The McGowan Companies, through MCGOWAN, DONNELLY & OBERHEU, LLC, offers a flexible Management Liability Insurance program for agents and brokers placing executive and professional liability risks. With access to multiple carriers and experienced underwriters, this program is designed to place D&O, EPLI, fiduciary, crime, cyber and excess placements for a range of private, public, nonprofit and institutional clients.
Ideal Accounts and Appetite
This program targets a broad selection of account types, including:
- Privately held and publicly traded companies seeking Directors & Officers protection
- Nonprofit organizations and community associations needing board and management coverage
- Healthcare organizations requiring specialized D&O and related coverages
- Financial institutions with fiduciary and regulatory exposures
- Employers seeking Employment Practices Liability (EPLI)
- Clients requiring cyber liability, crime, or excess towers
Example fits: a mid-sized healthcare system needing a layered package of EPLI, Fiduciary and D&O; or a community association seeking board protection combined with crime coverage. The program is built to accommodate layered placements and multi-line solutions.
Coverage Highlights and Advantages
- Access to both primary and excess limits to help you structure towers
- Product breadth — D&O (private, public, nonprofit, healthcare), EPLI, Fiduciary, Crime, Cyber, and Excess
- Admitted and non-admitted capacity depending on state and line of coverage
- Customizable forms and endorsements to address client-specific exposure
- Underwriting experience for difficult-to-place or layered liability risks
Underwriting Notes and Minimum Premiums
Underwriting is handled across a panel of carriers, which allows flexibility in placement and competitive positioning. Submission requirements typically include financials, claims history and completed applications; additional materials may be requested for public companies or complex fiduciary risks. Minimum premiums vary by carrier and line — contact a market specialist for current guidelines and appetite for specific account sizes.
Territories and Availability
This program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Admitted vs. non-admitted availability varies by state and line of coverage — the program can often place both admitted and non-admitted business where permitted.
Why Work With The McGowan Companies on This Business
As a wholesale broker, The McGowan Companies combines market access with specialized underwriting knowledge in management and professional liability. Agents benefit from responsive service, tailored placements, and help navigating layered or hard-to-place risks. Whether you have a straightforward EPLI account or a complex D&O tower for a public company, their team can assist with submission strategy and carrier placement.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is well suited for private and public companies, non-profits, financial institutions, community associations, and healthcare organizations seeking D&O, EPLI, fiduciary, crime, cyber, or excess liability coverage.
Can I submit business in all states?
Yes — the program is available in most U.S. states. Admitted status and specific carrier appetite may vary by state and line of coverage.
Which lines of coverage are included under Management Liability?
The offering includes Directors & Officers (private, public, non-profit, healthcare), Employment Practices Liability, Fiduciary Liability, Crime, Cyber Liability, and Excess Liability.
Do you offer both primary and excess coverage options?
Yes. Depending on the account and carrier appetite, both primary and excess limits are available to help you build appropriate towers.
What carriers do you work with?
The McGowan Companies works with a variety of carriers to provide flexible and competitive solutions tailored to each client’s risk profile.
Need help placing an account? Connect with a market specialist.