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The McGowan Companies
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The McGowan Companies
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Museums D&O Insurance

McGowan Program Administrators
Museums D&O Insurance

Overview of the Program From McGowan

McGowan Program Administrators offers a specialized Museums Directors & Officers (D&O) Insurance program designed to meet the unique liability exposures faced by cultural, educational, and nonprofit institutions. This program provides broad and flexible coverage solutions tailored for museums and similar organizations across the United States. With access to a variety of carriers and underwriting expertise, McGowan helps agents secure comprehensive protection for their museum clients.

Ideal Accounts and Appetite

This program is ideal for a wide range of institutions in the arts, sciences, and education sectors, including:
  • Aquariums
  • Arboretums and Botanical Gardens
  • Art Galleries
  • Children’s Museums
  • General and Historical Museums
  • Natural History Museums
  • Nature Centers
  • Planetariums
  • Orchestras and Theater Groups
If you’re working with a nonprofit cultural center or a regional museum expanding its programming and volunteers, this program can help address liability concerns tied to governance, employment practices, and operational oversight.

Coverage Highlights and Advantages

This program provides a suite of management liability products with competitive limits and specialized features: Products & Limits:
  • Umbrella: $1MM – $25MM
  • D&O Liability: $1MM
  • Employment Practices Liability (EPLI): $1MM
  • Fiduciary Liability: $500,000
D&O Coverage Includes:
  • Defense Costs Outside the Limits
  • Monetary & Non-Monetary Claims
  • Personal Injury Offense Coverage
  • Third-Party Discrimination
  • Defense of Breach of Third-Party Contract Claims
  • Publishers Liability Coverage
EPLI Coverage Includes:
  • Insured definition includes the organization, executives, employees, and volunteers
Umbrella “Follow Form” Options:
  • General Liability
  • Automobile Liability
  • Employee Benefits Liability
  • Directors & Officers Liability
  • Employers Liability
  • Liquor Liability

Underwriting Notes and Minimum Premiums

McGowan requires a minimum underlying carrier rating of A- / VI for umbrella coverage. While minimum premiums may vary, submissions should reflect organizations with stable operations and clear risk management practices. Accounts with prior claims or poor governance history may be reviewed on a case-by-case basis.

Territories and Availability

This program is available in all 50 states and Washington, D.C., making it a strong fit for agents with clients operating regionally or nationally. Whether your insured is located in a major metro or a rural community, McGowan can help you place the business.

Why Work With McGowan on This Business

McGowan Program Administrators is a trusted Managing General Underwriter (MGU) with deep expertise in specialty insurance programs. Their Museums D&O Insurance program reflects a strong understanding of the nonprofit and cultural space, offering tailored coverage and responsive service. Agents benefit from access to top-rated carriers, flexible underwriting, and a team committed to helping you grow your book with niche institutional clients.

Frequently Asked Questions

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

Ideal accounts include museums, art galleries, aquariums, botanical gardens, orchestras, and similar nonprofit or cultural institutions.

Is this program available in all states?

Yes, the program is available in all 50 states and Washington, D.C.

Does the D&O coverage include defense costs outside the limits?

Yes, defense costs are outside the limits, providing broader protection for insureds.

Can umbrella coverage be added to match other lines?

Yes, the umbrella offers "follow form" coverage for multiple lines including general liability, auto liability, and D&O.

Are volunteers included under EPLI coverage?

Yes, EPLI coverage includes the organization, executives, employees, and volunteers.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Underwriter
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    “A” Rated Carriers
  • Commission:
    -
  • Min Premium:
    -

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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

Become A Broker

McGowan Program Administrators operates on an "open-brokerage" format. We do 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 E&O Liability.

We look forward to working with you!
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