Overview of the Program From The McGowan Companies
The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a targeted Environmental / Pollution Professional Liability Insurance program for consultants and contractors operating in high-risk environmental sectors. This program is designed for professionals involved in hazardous operations and environmental remediation and helps your clients manage liability tied to pollution events, regulatory compliance, and professional errors or omissions.
Ideal Accounts and Appetite
This program fits a broad range of environmental professionals and service providers, including:
- Environmental consultants
- Environmental contractors
- Crime scene and illegal drug lab clean-up operators
- Hazardous material and medical waste handlers
- Mold remediation and damage restoration firms
- Radon mitigation specialists
- Oil & gas environmental consultants
McGowan’s underwriting is focused on clients with pollution-related exposures or regulatory obligations. The program is particularly useful when clients face complex cleanup, third-party bodily injury or property damage exposures, or contractually required professional liability limits.
Coverage Highlights and Advantages
Key features of the Environmental / Pollution Professional Liability program include:
- Professional and management liability coverage tailored to environmental risks
- Primary and excess coverage options to meet contract or project requirements
- Coverage for bodily injury, property damage, and remediation/cleanup costs arising from pollution incidents
- Protection against claims stemming from professional errors, omissions, and negligent services
The program is structured to serve both small firms—such as independent mold remediators—and larger regional contractors with more complex operations.
Underwriting Notes and Minimum Premiums
McGowan works with multiple carriers to place environmental professional liability, allowing flexibility across classes and locations. Underwriting considers scope of services, project types, loss history, and risk management practices. Minimum premiums and specific terms vary by carrier and class of business; contact McGowan, Donnelly & Oberheu, LLC for firm indications based on your client’s submission.
Territories and Availability
Coverage is available in most states, including but not limited to AL, CA, FL, NY, TX, and WA. The program is offered on an admitted basis in most jurisdictions, improving regulatory ease for clients; confirm availability and admitted status for the specific state and class of business with McGowan.
Why Work With The McGowan Companies?
As a wholesale broker with deep niche experience, The McGowan Companies provides access to specialized underwriting and a broad carrier network for environmental risks. Their team can help you match complex or hard-to-place environmental accounts to appropriate markets and structure primary or excess placements efficiently.
For more information on Environmental / Pollution Professional Liability Insurance, please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is best for environmental consultants, contractors, mold remediation firms, hazardous waste handlers, radon specialists, and similar businesses with pollution-related exposures that require professional liability and cleanup protections.
Is this coverage available nationwide?
The program is available in most states, including CA, TX, FL, NY, and others. Availability and admitted status may vary by state and class—confirm with McGowan for the specific location.
What coverage limits are available?
Both primary and excess limits are offered. Limits and retentions are tailored to the client’s exposure and contractual needs and will depend on carrier appetite and the submission details.
Can small or startup environmental firms qualify?
Yes. Underwriting is flexible for small to mid-sized operations and newer firms that demonstrate appropriate risk controls, training, and loss prevention practices.
What carriers does McGowan work with for this program?
Carrier partners vary by risk profile and geography. McGowan leverages a panel of markets to place different classes of environmental professional liability—contact them with a submission for market options.
Need help placing an account? Connect with a market specialist.