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The McGowan Companies
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The McGowan Companies
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Pollution Professional Liability Insurance

MCGOWAN, DONNELLY & OBERHEU, LLC
Pollution Professional Liability Insurance

Pollution Professional Liability Insurance Program Overview

The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers Pollution Professional Liability Insurance designed for businesses and professionals operating in high-risk environmental sectors. This program provides specialized coverage to address the unique exposures faced by consultants, contractors, and remediation service providers. It is tailored to protect your clients from claims related to pollution incidents, professional errors, and management liability issues that could result in costly legal and cleanup expenses. As a wholesale broker with access to a broad range of carriers, McGowan delivers flexible solutions for hard-to-place environmental liability risks. Whether your client is mitigating mold damage or advising in the oil and gas industry, this program can help you meet their evolving liability coverage needs.

Ideal Accounts and Target Classes

This program is built for professionals and businesses involved in environmental consulting, remediation, and cleanup services. Target classes include:
  • Environmental Consultants
  • Hazardous Material and Medical Waste Clean Up
  • Crime Scene and Illegal Drug Lab Remediation
  • Mold Damage Restoration Contractors
  • Oil & Gas Industry Consultants
  • Radon Mitigation Specialists
You might have a client who performs mold remediation following water damage in residential or commercial buildings—or a contractor involved in hazardous waste transportation and site cleanup. These are ideal accounts for this program.

Coverage Highlights and Advantages

  • Professional Liability and Management Liability coverage
  • Primary and Excess limits available to meet a wide range of contractual and regulatory requirements
  • Coverage tailored to pollution exposures specific to each industry class
  • Admitted coverage available in most states
This program is especially valuable for insureds who may be exposed to third-party bodily injury, property damage, or cleanup costs stemming from professional services or environmental operations.

Underwriting Notes and Minimum Premiums

Each submission is individually underwritten, and appetite varies depending on the class of business, scope of operations, and loss history. While minimum premiums are not specified, accounts should demonstrate sound risk management practices and environmental protocols. Primary and excess coverage options provide flexibility for small to mid-sized businesses as well as larger, complex risks.

Territories and Availability

Pollution Professional Liability Insurance is available in most U.S. states, including but not limited to: CA, TX, FL, NY, IL, PA, OH, GA, and WA. This broad geographic reach allows you to place a wide variety of environmental liability accounts across the country.

Why Work With The McGowan Companies?

McGowan, Donnelly & Oberheu, LLC has a strong reputation for delivering niche insurance programs backed by deep underwriting expertise and access to diverse markets. As a wholesale broker, McGowan provides responsive service, competitive solutions, and knowledgeable guidance to help you secure the right coverage for your clients in complex, regulated industries. Work with a trusted partner who understands the environmental space and can help you navigate challenging risks.

Frequently Asked Questions

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

Ideal accounts include environmental consultants, crime scene and drug lab cleanup contractors, mold remediation specialists, and hazardous material handlers.

Is this coverage available on an admitted basis?

Yes, admitted coverage is available in most states, depending on the risk and carrier used.

Can I submit both small and large accounts?

Yes, the program offers both primary and excess limits, making it suitable for small businesses and more complex, higher-risk operations.

Are there specific states where this program is not available?

The program is available in most U.S. states. Contact McGowan for any state-specific restrictions or eligibility questions.

What information is needed to submit a risk?

Typically, you’ll need a completed application, loss runs, and a detailed description of operations. Additional documents may be requested based on the class of business.

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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