Engineers Professional Liability Insurance

Overview of the Program From The McGowan Companies

This Engineers Professional Liability Insurance program is offered through The McGowan Companies and placed by MCGOWAN, DONNELLY & OBERHEU, LLC as a wholesale broker. It provides professional and management liability capacity for design firms, engineers and related consulting practices. The program is designed to help agents place a range of engineering accounts with flexible limit options and carrier access that varies by risk profile.

Ideal Accounts and Appetite

Target classes for this program include the professions listed above and typical accounts are:

• Small to mid-size civil and structural engineering firms providing design and construction phase services.
• Design/build firms and construction managers with professional exposure.
• Specialty engineers — electrical, geotechnical, forensic — and survey/landscape practices.

Generally a good fit: firms with clearly defined professional services, reasonable revenue scale, documented quality-control procedures and limited high-risk construction-phase exposure. Less desirable: firms with extensive wrapped construction guarantees, significant subcontractor liability without oversight, or repeated large prior professional judgments. Contact the program for borderline or complex risks.

Coverage Highlights and Advantages

• Professional & management liability coverage tailored for engineering and technical consulting exposures.
• Primary and excess limits available to support larger projects and joint-venture placements.
• Access to multiple carriers — placement varies by account characteristics and carrier appetite.
• Wholesale brokerage support to help structure submissions and negotiate terms for hard-to-place risks.

Underwriting Notes and Submission Guidance

Underwriters will typically evaluate scope of services, contract wording, prior claims history, project mix, and key personnel experience. Standard submission materials include a completed application, current loss runs (usually 5 years), résumés of principals or technical leaders, and samples of client contracts or engagement letters. Because carriers and appetite vary, early conversations about contract risk transfer and limits help speed placement.

Territories and Availability

This program is available throughout the listed states: 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, WY. Carrier admitted/non-admitted availability may vary by state and by carrier — contact the wholesaler for state-specific placement options.

Why Work With The McGowan Companies on This Business

• Wholesale broker access to a range of professional liability markets for engineers and technical consultants.
• Experience placing both primary and excess layers to meet project or contractual requirements.
• Practical underwriting guidance to help agents tailor submissions and address contract language or risk-transfer issues.
• Responsive placement support for accounts that need more specialized attention than standard retail markets.

Example Account Scenarios

• You have a mid-size structural engineering firm that performs bridge inspection and design work seeking $1M+ limits — this program can pursue primary and excess capacity across multiple carriers.
• An electrical engineering consultant with a clean loss history is expanding into design/build services; the program can evaluate limits and management liability exposure and assist in placement.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.