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McGowan Program Administrators — Public Entities Umbrella Insurance The McGowan Companies offers a dedicated Public Entities Umbrella Insurance program designed for municipal and special district risks. This Managing General Underwriter placement provides excess liability capacity up to $20 million and a broad "follow form" appetite for common public-entity exposures. The program is intended for agents and brokers seeking stable excess capacity and flexible follow-form wording for public clients. Eligible Classes and Ideal Accounts Cities, towns and villages with populations under 100,000 Special purpose districts (water, sewer, park, tax, fire districts) Counties with populations under 250,000 Ideal accounts are public entities with established risk management practices, disciplined claim histories, and underlying liability placements that meet the program’s required underwriting standards. Typical fits include municipal water districts, volunteer fire districts, small towns, and county departments with public-facing operations. Coverage Highlights and Advantages Limits available up to $20,000,000 of umbrella/excess capacity. Available follow-form coverages include Employee Benefits Liability, Employers Liability, Employment Practices Liability, EMT Liability, Fire Department Liability, Fire Department Errors & Omissions, Hired & Non-Owned Auto, Owned Auto Liability, Law Enforcement Liability, and Public Officials E&O. Designed to sit above standard municipal liability and auto liability programs; works well where consolidated excess protection is preferred. Ability to place layered limits with consistent follow-form wording to reduce gaps between primary and excess layers. Access to multiple carriers (varies by account) through McGowan’s market relationships. Underwriting Notes Required underlying rating: A- / VII (or equivalent underwriting strength on primary carriers). Underwriting focuses on claims history, existing liability and auto limits, and operational exposures (e.g., law enforcement, fire department activities, EMS operations). Fire and EMS operations, law enforcement, and public officials exposures are acceptable when operations are supported by documented policies, training, and oversight. Large catastrophic exposures, entities with repeated professional liability losses, or accounts without acceptable underlying limits may be declined or restricted. Minimum premium information is set by the carrier and varies by state and exposure—confirm on submission. Territories and Admission The program is available in all states (including DC) through The McGowan Companies’ placement channels. Coverage may be offered on an admitted or non-admitted basis depending on carrier and state regulatory considerations; discuss placement options with McGowan underwriting for the target state. Example Account Scenarios You have a water district serving a 15,000-population town that maintains municipal vehicles, employs public works crews, and contracts with private vendors. The program can layer excess limits and follow the district’s primary General Liability and Auto policies. You represent a volunteer fire district seeking additional excess limits above its primary GL and volunteer firefighters’ liability programs. McGowan’s follow-form wording for Fire Department Liability and Fire Dept. E&O can provide consistent excess coverage for these operations. Why Place Public Entity Umbrella with The McGowan Companies The McGowan Companies combines public-entity underwriting experience with market access and flexible follow-form options. Agents benefit from tailored excess placement for municipal and special district clients, underwriting responsiveness on public exposures, and access to multiple carriers for layered solutions. If your account meets the program’s underlying requirements and you need up to $20M of excess capacity with common public-entity follow-form coverages, this program is designed to be a reliable placement option. Frequently Asked Questions What types of public entities are a good fit for this umbrella program?Municipalities and special purpose districts with populations and structures described in the eligibility list—small cities, towns, villages, water/sewer districts, park districts, and counties under the stated population thresholds—are typical fits. Accounts should have organized risk management and acceptable underlying limits. What underlying requirements must be met before excess is considered?The program requires strong underlying coverage, generally with an underlying carrier or aggregate strength equivalent to A- / VII. Specific underlying limit and wording requirements depend on the follow-form coverage requested; provide current schedules and declarations on submission. Are law enforcement, fire department, and EMS exposures accepted?Yes. The program explicitly lists Law Enforcement Liability, Fire Department Liability, EMT Liability, and related E&O coverages as available follow-form options. Underwriting will review training, policies, volunteer vs. career staffing, and loss history. Is this coverage available nationwide?Yes — the program is available across the United States (states and DC). Whether placement is admitted or non-admitted may vary by carrier and state—confirm with underwriting for the specific jurisdiction. How should I submit a risk for consideration?Prepare the client’s primary liability and auto declarations, loss runs, and details on any public-safety operations (fire, EMS, law enforcement). Submit these materials through your usual McGowan or wholesaler channel so underwriting can evaluate attachments, follow-form needs, and available carriers. Need help placing an account? Connect with a market specialist.

Overview of the Program From Eastern Special Risk Insurance Agency Eastern Special Risk Insurance Agency offers a focused Forensic Professional Liability program designed for part- and full-time forensic experts. This program places professional liability coverage (post-occurrence exposures only) through Lexington Insurance Company, with limits available up to $1,000,000 per claim / $3,000,000 aggregate. It is built for agents who need a straightforward market for forensic and technical experts with competitive pricing and low minimums. Ideal Accounts and Appetite This program targets practicing forensic professionals and expert witnesses across most technical and medical classes. Typical classes that fit well include: Engineers Accident reconstruction specialists Physicians Surgeons Dentists Insurance industry experts Most other professional classifications providing expert services Accounts with clear, documented expert credentials and a history of retained expert work are preferred. The program is not intended for firms that require broad package forms (GL/PL combined) or for high-frequency expert placements without individual underwriting review. Coverage Highlights and Advantages Professional liability only — tailored to expert witness and forensic exposures. Post-occurrence exposures only, with limits available up to $1M/$3M. Access to Lexington Insurance Company capacity through Eastern Special Risk Insurance Agency. Designed for part-time and full-time experts; flexible for single-expert practices or small groups. Competitive pricing with relatively low minimum premiums for eligible accounts. Underwriting Notes and Submission Guidance Underwriting focuses on the expert’s background, scope of expert services, fee structure, and claims history. Typical items to include with a submission are a brief application or cover letter outlining services, CVs or résumés for the experts, and current loss runs or claims history where applicable. Because this program provides post-occurrence exposures only, discuss prior acts/retro date requirements with underwriting at placement. Accounts with ongoing high-volume forensic placements or those requiring coverage beyond professional liability (for example, general liability or cyber) will generally need alternate placement or a supplemental market. Territories and Availability This program is available in the states listed with the storefront and through Eastern Special Risk Insurance Agency’s wholesale distribution. Please confirm state availability for a specific account at submission; underwriting and state filing considerations may apply. Why Work With Eastern Special Risk Insurance Agency on This Business Eastern Special Risk Insurance Agency combines targeted underwriting for forensic professionals with access to Lexington Insurance Company’s capacity. That pairing makes it a practical option for agents seeking a specialized professional liability market for expert witnesses and forensic consultants. The program’s underwriting is pragmatic and service-oriented, which helps move placements efficiently for qualified accounts. Example Account Scenarios You have a civil/forensic engineer who provides accident reconstruction and expert testimony on a part-time basis. They need professional liability limits and prefer an occurrence-oriented placement. This program is a strong fit. A dental expert witness with several retained cases per year wants standalone professional liability coverage with competitive premiums and limits to $1M/$3M — this program can be presented for placement consideration. Frequently Asked Questions What types of accounts are a good fit for this Forensic Professional Liability program?Independent experts and small practices that provide forensic opinions or expert witness services — engineers, accident reconstruction specialists, physicians, dentists, and similar professional classes. The program is best for accounts seeking professional liability only and occurrence/post-occurrence exposures. What limits and forms are available?Limits are available up to $1,000,000 per claim / $3,000,000 aggregate. Coverage is professional liability only and written for post-occurrence exposures. Contact underwriting for specific form language and options. What submission materials does Eastern Special Risk typically request?Provide a short application or cover letter describing services, CVs or résumés for the experts, and current loss runs or a claims history summary if available. Additional documents may be requested based on the scope of services and prior exposure. Is this program available nationwide?The program is available in the states listed on the storefront. State availability can be confirmed at the time of submission; certain filings or state-specific requirements may affect placement. How do I get started with a submission?Send a summary of the expert’s services, CV, and any claims history to Eastern Special Risk Insurance Agency’s underwriting team. They will review eligibility and advise on next steps, terms, and any additional information needed for placement with Lexington Insurance Company. Need help placing an account? Connect with a market specialist.

Do you have a physician, surgeon or dentist being canceled, non-renewed or declined by the standard market? We are here to help with their Medical Malpractice Coverage! AP Advantage has partnered with the top E&S Medical carriers in the market place in order to provide a solution for the harder to place medical risks. We have been successful in placing those accounts with tough risk profiles such as:• Substance Abuse • Claims Activity • Licensing Issues • Higher Risk Services: Telemedicine Correctional Facilities, Mobile Medical Practices • Excess Limits when required by contract Our goal is to provide you and your clients with as many options as possible. Please reach out to us with any questions you have and learn how we can help your clients with Medical Malpractice Coverage. Please note, coverage is NOT available in NY.