Overview of the Program From The McGowan Companies
The McGowan Companies, through MCGOWAN, DONNELLY & OBERHEU, LLC, offers a robust Allied Medical Professional Liability Insurance program designed for a broad range of healthcare professionals and facilities. As a wholesale broker with access to a variety of markets, McGowan can help you place complex or hard-to-insure medical accounts with confidence. Whether your client is a solo practitioner, a specialty clinic, or a large healthcare facility, this program provides flexible and tailored solutions to address evolving professional liability risks in the medical industry.
Ideal Accounts and Appetite
This program targets a wide array of allied healthcare providers, including both standard and hard-to-place risks. Eligible classes include:
- Ambulance Services
- Blood & Tissue Banks
- Clinical Research & Trials
- Clinics and Physician Groups
- CRNAs, Nurses, and Physical Therapists
- Counselors and Mental Health Facilities
- Dentists and Surgeons (hard-to-place)
- Home Healthcare Agencies
- Hospitals and Medi Spas
- Pharmacies
- Physicians (hard-to-place)
If you have clients with prior claims, licensing issues, or unique practice models, this program may offer a viable solution where standard markets fall short.
Coverage Highlights and Advantages
The Allied Medical Professional Liability program includes:
- Professional & Management Liability coverage
- Primary and Excess Limits available to meet varying risk profiles
- Access to both admitted and non-admitted carriers, depending on the state
- Solutions for hard-to-place medical professionals and facilities
This program helps protect your clients from claims arising from professional negligence, errors and omissions, and management decisions within the scope of healthcare services.
Underwriting Notes and Minimum Premiums
Underwriting is flexible, with a focus on understanding the unique risk profile of each applicant. While minimum premium information is not specified, accounts are assessed based on size, services provided, claims history, and jurisdiction. McGowan’s team works closely with agents to structure appropriate solutions for both standard and distressed risks.
Territories and Availability
The Allied Medical Professional Liability Insurance program is available in most 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 options are available in many of these jurisdictions, with non-admitted placements offered as needed.
Why Work With The McGowan Companies
As a trusted wholesale broker, The McGowan Companies bring deep expertise in the healthcare liability space. Their access to a variety of carriers, responsiveness, and ability to craft customized solutions make them a valuable partner for agents placing complex medical liability risks. Whether you're working with a newly formed clinic or a high-exposure facility with a challenging claims history, McGowan can help you find the right fit.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for allied healthcare providers, including clinics, physician groups, CRNAs, medi spas, home healthcare agencies, and hard-to-place risks like surgeons or physicians with prior claims.
Can this program handle accounts with prior claims or licensing issues?
Yes, McGowan specializes in underwriting hard-to-place healthcare providers, including those with prior claims history or regulatory concerns.
Are both primary and excess limits available?
Yes, the program offers both primary and excess liability coverage options to meet a wide range of client needs.
Is this program available in my state?
The program is available in most U.S. states. Contact McGowan for specific availability and carrier options in your state.
What carrier markets does McGowan work with for this program?
McGowan has access to a variety of carriers for this program. Carrier selection may vary by state and account profile.
Need help placing an account? Connect with a market specialist.