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...owan Program Administrators Historical Institutions Insurance Overview The McGowan Companies’ Historical Institutions Insurance program is ...is program?This program is geared to museums, galleries, botanical gardens, ar...

...al entities—including galleries, historical societies, botanical gardens, thea...ram available in all states?Yes, the Museums and Cultural Insurance Program is...

...useums General museums and historical societies Natural history museums and nature centers Orchestras ...ailable nationwide? Yes. The Museums Insurance program is available in...

...Children’s Museums General and Historical Museums Natural History Museums Nature Centers Planetariums Or... this program?Ideal accounts include museums, art galleries, aquariums, botani...

...intings, sculptures, rare books, historic artifacts, and more. Ideal Accounts...ngs that house or exhibit fine art, historical artifacts, or rare collections....

...ATIONWIDE Antique aircraft are historically significant and often one-of-a-k...derwriting partner that understands historic values, restoration risks, and th...

McGowan Excess & Casualty Trade Contractors Umbrella Insurance Overview of the Program From The McGowan Companies The McGowan Companies offers a focused Trade Contractors Umbrella Insurance program through McGowan Excess & Casualty, designed for agents and brokers seeking excess liability capacity for trade and artisan contractor clients. Whether your insureds perform commercial construction, municipal subcontracting, or specialty residential work, this program delivers the additional layer of liability protection needed to meet contractual obligations and to protect against catastrophic loss. As a Managing General Underwriter with broad market access, McGowan combines underwriting expertise and flexible placement options to address the varied exposures of trade contractors. The program is available in most states and is commonly placed on a non-admitted basis where appropriate. Ideal Accounts and Appetite This program targets a wide range of trade contractors working in residential, commercial, and light industrial construction. Eligible classes include: Electricians Plumbers Paving and grading contractors Cable installation HVAC contractors Drywall and flooring installation Landscaping and painting Septic tank installation Solar panel installation Sewer and water main contractors Swimming pool contractors Tile, plastering, and masonry Concrete, carpentry, roofing, and siding If you have a client installing commercial solar arrays who needs higher limits for contract compliance, or a subcontractor working on a municipal sewer project requiring layered excess capacity, this program is built to provide the necessary umbrella limits and flexible layering. Coverage Highlights and Advantages Commercial Umbrella Liability – Provides an additional layer of liability protection above qualifying underlying policies. Follow Form Excess Liability – Can follow form over eligible lead umbrellas for streamlined terms and consistency. Limits – Umbrella limits begin at $1MM with capacity up to $100MM. Excess layers can be placed from $1MM to $100MM over existing lead umbrellas. Terms are structured to accommodate high-exposure projects and strict contractual insurance requirements while remaining competitive for the trade segment. Underwriting Notes and Minimum Requirements Underwriters typically require underlying carriers to be rated A- / VII or better; limited exceptions may be considered for Employers Liability (EL) carriers. McGowan’s team evaluates each submission on its individual merits and is known for practical, creative approaches to structuring layered excess programs. Response times are generally quick when submissions are complete and clearly documented. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, NY, TX, IL, GA, and PA. Coverage availability and admitted versus non-admitted options may vary by jurisdiction and carrier selection. Why Work With The McGowan Companies? The McGowan Companies bring decades of casualty and umbrella underwriting experience, strong market relationships, and access to both admitted and non-admitted capacity. Agents and brokers benefit from McGowan’s underwriting sophistication, speed to market, and willingness to tailor layered solutions that help clients meet contract and project requirements. Contact McGowan to discuss specific submissions and to determine how their Trade Contractors Umbrella Insurance program can help you place larger-limit excess liability for your contractor accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for trade contractors such as electricians, HVAC technicians, roofers, masons, and other artisan trades working in residential, commercial, or municipal construction environments. What coverage limits are available?Umbrella limits start at $1MM and can go up to $100MM. Excess layers can also be written from $1MM to $100MM over qualifying lead umbrellas. Is admitted paper available?The program is available in most states, primarily on a non-admitted basis. Availability may vary by carrier and state regulations. Are there any underwriting requirements for the underlying carriers?Yes, underlying carriers generally need to be rated A- / VII or better. McGowan may consider exceptions for certain Employers Liability carriers on a case-by-case basis. How quickly can submissions be reviewed?McGowan is known for responsive underwriting. Turnaround depends on the completeness of the submission and the complexity of the risk, so include clear loss runs, contracts, and lead umbrella policy details for the fastest review. Need help placing an account? Connect with a market specialist.

MCGOWAN RISK SPECIALISTS Technology Insurance Program Overview of the Program From The McGowan Companies The McGowan Companies offers a comprehensive Technology Insurance program through McGowan Risk Specialists, designed specifically for professionals and businesses operating in the fast-evolving tech sector. As a wholesale broker, McGowan provides access to tailored liability coverage that helps protect your clients from the unique risks associated with technology services, products, and digital operations. With access to a range of carriers and both primary and excess limits available, this program is a strong fit for agents and brokers seeking reliable solutions for complex technology risks. Ideal Accounts and Appetite This program is ideal for a wide variety of tech-driven businesses, whether they provide services, develop software, or manage digital platforms. Eligible classes include: Technology Consultants and System Integrators Software Companies, Developers, and Publishers Web Developers, Designers, and Hosting Providers Internet and Digital Media Firms Online Marketing and Advertising Services Telecommunications Companies Electronic Data Processing Database Managers and Data Storage Providers Training, Education, and E-commerce Businesses Hardware, Application, and Managed Service Providers If you have a client launching a new SaaS product or managing a digital marketing agency, this program can offer the professional liability and management protection they need to operate with confidence. Coverage Highlights and Advantages Technology businesses face a wide range of exposures—from data breaches and service interruptions to intellectual property disputes. McGowan’s Technology Insurance Program helps address these concerns with specialized coverage options such as: Professional Liability Management Liability Primary and Excess Limits Available Coverage is designed to help your clients manage legal defense costs, settlements, and reputational damage resulting from tech-related errors and omissions. Underwriting Notes and Minimum Premiums McGowan Risk Specialists reviews each submission closely to ensure proper fit and pricing. While minimum premiums may vary depending on carrier and risk details, agents can expect competitive pricing structures and access to flexible underwriting solutions. Territories and Availability This Technology Insurance Program is available in most states, with active offerings in Connecticut (CT), New Jersey (NJ), New York (NY), and Pennsylvania (PA). Admitted markets are available in many states, but availability may vary based on risk characteristics and jurisdictional requirements. Why Work With The McGowan Companies McGowan Risk Specialists are known for their deep expertise in niche markets and complex liability exposures. As a wholesale broker, McGowan offers access to multiple carriers and a broad appetite for technology accounts. Their responsive underwriting team and strong market relationships make them a valuable partner for agents and brokers placing technology-related risks. For more information on how to place a Technology Insurance risk, please contact McGowan Risk Specialists today. Frequently Asked Questions What types of accounts are a good fit for this technology insurance program?This program is ideal for technology consultants, software developers, web hosting companies, digital marketers, e-commerce platforms, and managed service providers. Is this program available in all states?The program is available in most states, with active offerings in CT, NJ, NY, and PA. Availability may vary based on carrier and risk profile. What coverage limits are available through this program?Both primary and excess limits are available, offering flexible protection tailored to each client's needs. Can I submit accounts with unique or emerging tech exposures?Yes. McGowan Risk Specialists have experience handling complex and emerging risks in the tech space. Submissions are reviewed on a case-by-case basis. Who underwrites the policies for this program?The McGowan Companies work with a variety of carriers to place coverage. Carrier selection depends on the specific risk and jurisdiction. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Accountants Professional Liability Insurance Overview of the Program from The McGowan Companies The McGowan Companies places Accountants Professional Liability Insurance through its wholesale brokerage relationship with MCGOWAN, DONNELLY & OBERHEU, LLC. This program is designed to help independent agents place hard-to-place CPA and accounting firms that need professional and management liability protection. Coverage options include primary and excess limits placed with a variety of admitted and non-admitted carriers, depending on the risk. Ideal Accounts and Appetite Target classes: small to mid-size CPA firms, tax preparers, bookkeepers and specialty accounting practices that are hard to place in standard markets. Good fits: firms with prior claims history that is manageable, firms with unusual service mixes (for example, payroll, bookkeeping and tax prep together), and practices seeking layered or excess capacity. Typically limited appetite: large national firms, firms with ongoing regulatory investigations, firms with multiple severe or recent malpractice judgments that are unresolved. Coverage Highlights and Advantages Products offered: Professional & Management Liability tailored for accounting professionals. Limits: Primary and excess limits are available to match client needs and to provide layered protection where required. Carrier access: Carriers vary by submission — McGowan’s wholesale placement leverages multiple markets to find capacity and terms for harder-to-place accounts. Flexible placements: Ability to consider admitted or non-admitted options in most states to help secure coverage when standard markets decline. Underwriting Notes Underwriters focus on scope of services, firm controls, engagement letters, fee concentration, prior claim history and client industries. When submitting, include a current application, prior acts and claims details, sample engagement letters and loss runs if available. Complex or higher-exposure accounts may require supplemental information, risk management controls, and consideration for higher retentions or tiered limits. Minimum premiums and retentions are determined by carrier appetite and proposed limits. Please expect variation by state and market; discuss specific program minimums with your McGowan wholesale underwriter when preparing a submission. Territories and Availability This program is available in most states. Specific availability includes: 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, WY. Admitted availability varies by carrier; non-admitted options may be used where appropriate. Why Work with The McGowan Companies on This Business Wholesale broker expertise: McGowan provides access to multiple carriers and specialized appetite for accountants’ professional liability risks. Placement flexibility: Ability to pursue both primary and excess layers and to tailor solutions for firms with non-standard exposures. Support for difficult accounts: Strong track record placing hard-to-place firms that need customized terms or markets outside standard schedules. Examples of Typical Accounts You have a regional CPA practice that combines tax, bookkeeping and payroll services and has one prior closed claim — this program can help secure primary limits and offer excess capacity. You represent a bookkeeping firm with concentrated revenue from a single industry and limited malpractice history — the program can evaluate and structure terms to address fee concentration exposure. Products: Professional & Management Liability Eligible Classes: Hard to Place Firms Limits: Primary & Excess Available Carriers: Varies Provider: Wholesale Broker (The McGowan Companies / MCGOWAN, DONNELLY & OBERHEU, LLC) For more information on Accountants Professional Liability Insurance, please contact us to discuss submissions, appetite, and current market capacity. Frequently Asked Questions What types of accountants’ firms are best suited for this program?Firms that are hard to place in standard markets — small to mid-size CPA firms, tax preparers, bookkeeping practices and mixed-service firms — are the primary targets. The program is designed to consider accounts with nonstandard service mixes or manageable prior claims. Are admitted paper and excess limits available?Yes. This program can place both admitted and non-admitted options, and primary and excess limits are available depending on carrier appetite and state availability. What information should I include with a submission?Include a current application, description of services, engagement letter samples, prior loss runs, and details on any prior or pending claims. Clear documentation of controls and revenue concentration helps underwriters evaluate the risk. Need help placing an account? Connect with a market specialist.