Overview of the Program From The McGowan Companies
The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a specialized Media Liability Professional Liability Insurance program tailored for businesses in the media, communications, and creative industries. As a wholesale broker with access to a range of markets, we help independent agents and brokers place professional liability coverage for clients facing complex media-related exposures.
Ideal Accounts and Appetite
This program targets a broad spectrum of media and communications professionals, including:
- Advertising Agencies
- Authors and Writers
- Broadcasters (radio, television, digital)
- Multimedia Production Companies
- Public Relations Firms
- Publishers (print and digital)
These classes often face risks such as defamation, copyright infringement, invasion of privacy, and errors in content creation or distribution — exposures that require tailored professional liability protection.
If you have a client who runs a boutique PR firm or manages a multimedia content production studio, this program can provide the specialized coverage they need to mitigate liability risks tied to their creative output.
Coverage Highlights and Advantages
The Media Liability program delivers flexible solutions with both primary and excess limits available. Coverage can be structured to include:
- Professional & Management Liability
- Protection against media-specific risks such as libel, slander, misappropriation, and copyright infringement
- Optional extensions tailored to the unique operations of media professionals
The program is backed by a variety of carriers, allowing us to provide competitive terms and flexible underwriting based on your client’s specific risk profile.
Underwriting Notes and Minimum Premiums
While underwriting requirements vary depending on the class and size of the account, our team is experienced in evaluating complex risks and providing responsive solutions. Limits are available on both a primary and excess basis. Minimum premiums vary, and agents are encouraged to contact us for details on specific submissions.
Territories and Availability
This 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 status varies by state and carrier, giving you flexibility to place business even in challenging jurisdictions.
Why Work With The McGowan Companies
The McGowan Companies have a long-standing reputation for delivering specialized insurance solutions through deep market access and knowledgeable underwriting. Our Media Liability program reflects our commitment to serving niche verticals and helping agents succeed in placing complex risks. When you partner with us, you gain access to experienced brokers, responsive service, and a wide range of carriers to meet your clients’ needs.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Ideal accounts include advertising agencies, publishers, public relations firms, broadcasters, multimedia producers, and authors. We focus on businesses involved in media content creation or distribution.
Is this program available on an admitted basis?
Admitted status varies by state and carrier. The program is available in most states, and we can help determine the best market fit for your client's location.
What limits are available under this program?
Both primary and excess limits are available, with flexible structuring depending on the size and exposure of the account.
Do you have a minimum premium requirement?
Minimum premiums vary by class and state. Please contact us with your risk details for specific guidance.
What makes The McGowan Companies a strong partner for media liability coverage?
We offer deep underwriting expertise, access to multiple carriers, and a responsive wholesale brokerage team focused on placing hard-to-write media and professional liability risks.
Need help placing an account? Connect with a market specialist.