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MCGOWAN, DONNELLY & OBERHEU, LLC Architects and Engineers Professional Liability Insurance Overview of the Program From McGowan, Donnelly & Oberheu As part of The McGowan Companies, McGowan, Donnelly & Oberheu, LLC offers a nationwide Architects and Engineers Professional Liability Insurance program designed specifically for design and construction professionals. This program helps you place coverage for clients who are exposed to complex professional risks, including errors and omissions, project delays, and design liabilities. Ideal Accounts and Appetite This program is well-suited for a wide range of design and engineering professionals, including: Civil Engineers Construction Managers Design/Build Firms Electrical Engineers Forensic Engineers Geotechnical Engineers Landscape Architects Land Surveyors Structural Engineers Whether your clients are sole proprietors or mid-size firms, this program can be tailored to fit their size and scope of operations. You might have a client who is a structural engineer working on mid-rise commercial buildings, or a design/build firm managing multi-use developments—this program is designed to meet those needs. Coverage Highlights and Advantages The program provides comprehensive protection for a range of professional exposures, with coverage options that include: Professional & Management Liability Primary and Excess Limits Available Coverage is structured to help protect your clients from claims alleging negligence, design flaws, and professional errors that result in financial damages. Access to both primary and excess layers gives you flexibility when placing accounts with higher exposure or complex contracts. Underwriting Notes and Minimum Premiums Each submission is evaluated individually, and underwriting flexibility allows for competitive structuring based on firm size, project types, and claims history. While minimum premiums may vary, our underwriting team works closely with brokers to ensure each risk is properly assessed and priced accordingly. Territories and Availability This program is available in all 50 states and Washington, D.C. Coverage is written on both admitted and non-admitted paper, depending on the risk and state requirements. This allows you to serve clients in diverse geographic regions without limitations. Why Work With The McGowan Companies As a wholesale broker with deep expertise in professional liability, The McGowan Companies bring decades of experience and strong carrier relationships to the table. You gain access to a wide range of markets and a responsive underwriting team that understands the unique risks faced by architects, engineers, and construction professionals. For more information on Architects and Engineers Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for civil, structural, electrical, and geotechnical engineers, as well as landscape architects, land surveyors, design/build firms, and construction managers. Is this coverage available nationwide?Yes, the program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile. Can I access both primary and excess limits through this program?Yes, the program offers both primary and excess liability coverage options, giving you flexibility to meet higher coverage requirements. What carriers are available for this program?Carrier options vary based on the risk and location. McGowan, Donnelly & Oberheu, LLC works with a range of reputable carriers to provide competitive solutions. What information is required to get a quote?Typical submissions include a completed application, loss runs, firm resumes, project lists, and details about services offered. Underwriters may request additional documents as needed. Need help placing an account? Connect with a market specialist.

...vernance structures and routine assessment collections are strong candidates. ...

Workers' Compensation for Contractors from Normandy Harbor Insurance Company Securing Workers' Compensation coverage for contractors can be challenging, especially when dealing with underwriters unfamiliar with the construction trades. Normandy Harbor Insurance Company specializes in Workers' Compensation and brings a deep understanding of contractor risks to the table. Our in-house loss control team is highly trained to identify hazards and implement safety practices that help reduce claims and long-term costs. Ideal Contractor Classes We actively write Workers' Compensation for a wide range of artisan and general contractors. Our appetite includes both residential and commercial operations. Some of the contractor classes we commonly support include: Cabinet Installation Commercial Remodeling Drywall Installation Electricians Flat Concrete Work HVAC Technicians Interior Carpentry Plumbing Contractors Residential Remodeling Tile Installation ...and many more If you have a client who operates a small-to-mid-sized remodeling firm or an independent electrician expanding operations, our contractor-focused Workers' Comp program may be a great fit. Program Highlights Dedicated in-house loss control to help clients reduce risk and claims frequency Carrier-underwritten program offering stability and consistency Tailored to the needs of Florida-based contractors Responsive underwriting and claims support Underwriting Guidelines and Minimum Premium Normandy Harbor works directly with agents and brokers to assess each contractor’s operations and risk profile. The minimum premium for this program is $3,000. We seek accounts with a strong safety culture and a willingness to engage with our loss control team. New ventures may be considered based on class and prior experience. Territories and Admitted Status This Workers' Compensation program is available exclusively in Florida and is written on an admitted basis. We understand the nuances of Florida’s Workers' Comp market and are equipped to help you place challenging contractor accounts with confidence. Why Work With Normandy Harbor As a Florida-based carrier with a focused expertise in Workers' Compensation, Normandy Harbor stands apart for its commitment to service, risk management, and contractor-focused underwriting. We don’t just write policies — we partner with you and your clients to help improve safety outcomes and long-term cost stability. To learn more or submit a risk, contact us at 866-688-6442 or visit our company profile. Visit our Workers' Compensation for Contractors storefront to get started. Frequently Asked Questions What types of contractor accounts are a good fit for this program?We target small to mid-sized contractors in Florida, including electricians, HVAC, drywall installers, plumbers, and remodeling firms. Accounts with strong safety practices are ideal. Is this Workers' Comp program available outside Florida?No, this program is currently only available in Florida. What is the minimum premium for this program?The minimum premium is $3,000, with consideration for class, operations, and loss history. Can new ventures qualify for coverage?Yes, new ventures may be eligible depending on the class of business and the owner's prior experience. Does Normandy Harbor provide loss control support?Yes, our in-house loss control team works closely with insureds to help reduce workplace risks and improve claim outcomes. Need help placing an account? Connect with a market specialist.