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The McGowan Companies
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The McGowan Companies
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Environmental Professional Liability Insurance

MCGOWAN, DONNELLY & OBERHEU, LLC
Environmental Professional Liability Insurance

Overview of the Program From The McGowan Companies

The Environmental Professional Liability Insurance program from The McGowan Companies helps agents and brokers place liability for clients operating in environmental services. Offered through McGowan, Donnelly & Oberheu, LLC — a specialized wholesale broker — the program delivers tailored professional and pollution liability solutions for environmental consultants, contractors, and remediation operators facing complex exposures. You get access to multiple admitted and non-admitted carriers, flexible primary and excess limits, and underwriting that accommodates small local firms up to larger regional operations. The program is available in most U.S. states and is structured to address environmental errors & omissions, pollution consulting exposures, and related management liability risks that standard CGL policies often exclude.

Ideal Accounts and Appetite

This program fits a wide range of environmental service providers, including:
  • Environmental consultants and site assessors
  • Environmental contractors and remediation firms
  • Crime scene and trauma clean-up services
  • Hazardous material and illegal drug lab remediation
  • Medical waste hauling and disposal companies
  • Mold and water damage restoration firms
  • Oil & gas environmental consultants
  • Radon mitigation specialists
You might have a client who performs residential and commercial mold remediation and needs professional liability for improper testing or corrective work. Or you may represent an oil & gas environmental consultant that requires pollution consulting limits and defense coverage during regulatory response—both are typical fits.

Coverage Highlights and Advantages

The program provides market access and coverage features designed for environmental professionals:
  • Professional and management liability tailored to environmental services
  • Pollution-related errors & omissions coverage for consulting and remediation activities
  • Primary and excess limits to match account size and contract requirements
  • Underwriting flexibility for small operators up to larger regional firms
  • Placement options in admitted and non-admitted markets to solve unique placement challenges
These features help fill gaps where standard commercial liability or pollution policies may not address consulting mistakes, design errors, sampling mistakes, or project oversight exposures.

Underwriting Notes and Minimum Premiums

Underwriting is handled by McGowan’s experienced wholesale team with access to multiple carrier partners. The program evaluates exposures such as scope of services, revenue by service line, project sizes and locations, claims history, and loss control practices. Both primary and excess placements are available, and admitted or non-admitted solutions can be considered based on the risk and jurisdiction. Minimum premiums vary by class, limits, and market selected; the team can advise on competitive structures for small to mid-sized accounts.

Territories and Availability

The 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.

Why Work With The McGowan Companies on This Business

By working with The McGowan Companies through McGowan, Donnelly & Oberheu, LLC you gain a wholesale partner focused on niche environmental liability placements. Benefits include strong carrier relationships, responsive underwriting, and practical placement strategies for accounts with consulting, remediation, or pollution exposures. The wholesale team helps structure terms that reflect operational realities and contract requirements so you can secure appropriate limits and wording for your clients.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for environmental consultants, contractors, mold remediators, hazardous waste cleanup firms, radon mitigation specialists, and similar service providers requiring professional or pollution liability coverage.

Is this coverage available on an admitted basis?

Yes. Admitted coverage is available in most states; non-admitted options are also used when necessary based on the risk profile and jurisdiction.

Can I access both primary and excess limits through this program?

Yes. The program offers both primary and excess liability limits to meet contract and client needs.

What territories is this program available in?

The program is available in most U.S. states, including the contiguous states, Alaska, Hawaii, and Washington, D.C.

Who underwrites this program?

The program is offered by The McGowan Companies through McGowan, Donnelly & Oberheu, LLC, a wholesale broker that places business with multiple carrier partners.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Wholesale Broker
  • Admitted:
    Most Available States
  • Carriers:
  • Carrier Ratings:
    A Rated Carriers
  • Commission:
    -
  • Min Premium:
    -
  • Coverages:

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CONTACT INFORMATION

LOCATION

106 East 6th Street - Littlefield Building, Suite 520
Austin, TX 78701
512-600-2280
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AGENCY LICENSING

Doing Business with MDO

McGowan, Donnelly & Oberheu does not hold our retail agents to premium or account volume requirements, so whether you place 1 account or 100 accounts with us we are always grateful for your business. We do, however, require that retail agents placing business with us carry at least $1,000,000 of Professional Liability.

 

In order to become a fully-enrolled agent with McGowan, Donnelly & Oberheu, we require the following items:
(1) Copy of the agency's E&O declarations page evidencing at least $1MM in coverage;
(2) Copy of the agency's license;
(3) Updated W-9 Form;
(4) Executed IPC Brokerage Agreement;
(5) Completed Brokerage Questionnaire.
 

We look forward to working with you!
Please contact Kimmi Cantwell with any questions:
[email protected].

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