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...s — McGowan Program Administrators Real Estate Umbrella Insurance Overview of...m available nationwide?Yes. McGowan’s Real Estate Umbrella Insurance is available in...

McGowan Excess & Casualty General Contractors Umbrella Insurance Overview The McGowan Companies offers General Contractors Umbrella Insurance through its McGowan Excess & Casualty program to help agents place excess/umbrella capacity for commercial general contractors. This program provides standalone commercial umbrella liability and follow-form excess liability, with lead umbrella limits starting at $1 million and capacity available up to $100 million. Coverage is underwritten by a variety of carriers and is available in most states. Ideal Accounts and Appetite This program targets commercial general contractors and GC operations for mid-size to large projects. Typical classes we can consider include: Office buildings Schools and educational facilities Post offices and government facilities Nursing homes and assisted care facilities Shopping centers and retail developments Accounts with established loss control practices, disciplined subcontractor management, and lead umbrella placements from admitted or non-admitted carriers are preferred. Heavy civil, mining, oil & gas well sites, and specialty subcontractor-only operations are generally outside the appetite unless specifically negotiated. Coverage Highlights Products: Commercial Umbrella Liability and Follow-Form Excess Liability. Umbrella Limits: Lead umbrella placements from $1M (capacity available up to $100M). Excess Layers: Ability to write excess layers over lead umbrellas from $1M to $100M. Required Underlying Rating: A- / VII (exceptions may be made for employers’ liability carriers where appropriate). Carriers: Varies by submission—The McGowan Companies places with multiple facultative and treaty markets to secure capacity. Underwriting Notes Underwriters review account-level exposures such as payroll and contract values by operation, subcontractor usage, safety programs, and loss history. Typical information that speeds placement includes current primary and umbrella policies, five years of loss runs, a description of current operations and project types, and contractor payroll or project values by trade. The program can place follow-form excess layers over existing lead umbrellas subject to carrier approval. Territories and Admitted Status Availability: Most Available States. The program is available in the following jurisdictions: 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. Some placements may be admitted or non-admitted depending on the carrier and state rules; please consult underwriting on a per-submission basis. Example Accounts You have a regional general contractor building a new office campus with a $10M project value and a $1M lead umbrella—this program can provide follow-form excess layers up to higher limits to align with contract requirements. You represent a developer GC for multiple school renovation projects seeking $5M–$20M aggregate umbrella capacity where consolidated excess placement and coordinated terms reduce gaps in coverage. Why Place This Business With The McGowan Companies Managing general underwriter with a construction-focused excess and casualty practice. Access to multiple carriers and the ability to assemble layered capacity up to $100M. Flexible placement—standalone umbrella or follow-form excess options to match primary program structure. Underwriting experience in commercial GC classes and willingness to consider reasonable exceptions for underlying employers’ liability carriers. Submission Tips To expedite evaluation, include complete primary and umbrella policy forms, five years of loss runs, description of operations by trade, payroll and contract values, and any risk control/safety documentation. If seeking excess layers over an existing lead umbrella, provide the lead umbrella policy and information on the lead carrier. Frequently Asked Questions What types of general contractors are a good fit for this program?Commercial general contractors working on office buildings, schools, nursing homes, post offices, shopping centers and similar projects are the primary targets. Accounts with formal safety programs, controlled subcontractor use, and stable loss history fit best. What limits and layering options are available?Lead umbrella limits start at $1M with capacity available up to $100M. The program can also write excess layers over existing lead umbrellas ranging from $1M to $100M, subject to underwriting and carrier approval. Are there minimum underlying carrier requirements?Yes. The typical required underlying rating is A- / VII. Underwriters may consider exceptions for employers’ liability carriers on a case-by-case basis—discuss exceptions with McGowan Excess & Casualty underwriters at submission. Which states is this program available in?The program is available in most states (see the list on the program page). Admitted vs. non-admitted placement depends on the carrier selected and state regulations; confirm availability with underwriting for the specific jurisdiction. Need help placing an account? Connect with a market specialist.

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, DONNELLY & OBERHEU, LLC Environmental / Pollution Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a targeted Environmental / Pollution Professional Liability Insurance program for consultants and contractors operating in high-risk environmental sectors. This program is designed for professionals involved in hazardous operations and environmental remediation and helps your clients manage liability tied to pollution events, regulatory compliance, and professional errors or omissions. Ideal Accounts and Appetite This program fits a broad range of environmental professionals and service providers, including: Environmental consultants Environmental contractors Crime scene and illegal drug lab clean-up operators Hazardous material and medical waste handlers Mold remediation and damage restoration firms Radon mitigation specialists Oil & gas environmental consultants McGowan’s underwriting is focused on clients with pollution-related exposures or regulatory obligations. The program is particularly useful when clients face complex cleanup, third-party bodily injury or property damage exposures, or contractually required professional liability limits. Coverage Highlights and Advantages Key features of the Environmental / Pollution Professional Liability program include: Professional and management liability coverage tailored to environmental risks Primary and excess coverage options to meet contract or project requirements Coverage for bodily injury, property damage, and remediation/cleanup costs arising from pollution incidents Protection against claims stemming from professional errors, omissions, and negligent services The program is structured to serve both small firms—such as independent mold remediators—and larger regional contractors with more complex operations. Underwriting Notes and Minimum Premiums McGowan works with multiple carriers to place environmental professional liability, allowing flexibility across classes and locations. Underwriting considers scope of services, project types, loss history, and risk management practices. Minimum premiums and specific terms vary by carrier and class of business; contact McGowan, Donnelly & Oberheu, LLC for firm indications based on your client’s submission. Territories and Availability Coverage is available in most states, including but not limited to AL, CA, FL, NY, TX, and WA. The program is offered on an admitted basis in most jurisdictions, improving regulatory ease for clients; confirm availability and admitted status for the specific state and class of business with McGowan. Why Work With The McGowan Companies? As a wholesale broker with deep niche experience, The McGowan Companies provides access to specialized underwriting and a broad carrier network for environmental risks. Their team can help you match complex or hard-to-place environmental accounts to appropriate markets and structure primary or excess placements efficiently. For more information on Environmental / Pollution Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for environmental consultants, contractors, mold remediation firms, hazardous waste handlers, radon specialists, and similar businesses with pollution-related exposures that require professional liability and cleanup protections. Is this coverage available nationwide?The program is available in most states, including CA, TX, FL, NY, and others. Availability and admitted status may vary by state and class—confirm with McGowan for the specific location. What coverage limits are available?Both primary and excess limits are offered. Limits and retentions are tailored to the client’s exposure and contractual needs and will depend on carrier appetite and the submission details. Can small or startup environmental firms qualify?Yes. Underwriting is flexible for small to mid-sized operations and newer firms that demonstrate appropriate risk controls, training, and loss prevention practices. What carriers does McGowan work with for this program?Carrier partners vary by risk profile and geography. McGowan leverages a panel of markets to place different classes of environmental professional liability—contact them with a submission for market options. Need help placing an account? Connect with a market specialist.

...owan Program Administrators Historical Institutions Insurance Overview The McGowan Companies’ Historical Institutions Insurance program is ...ently Asked Questions What types of historical institutions are a good fit for...

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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.

McGowan Excess & Casualty Accident & Health Insurance Accident & Health Insurance Solutions for a Wide Range of Group Activities McGowan Excess & Casualty offers a focused Accident & Health Insurance program designed to meet the needs of groups that run structured activities where accidental injury is a primary exposure. This program is built for agents and brokers who place coverage for clients such as youth sports leagues, schools, camps, fitness and activity centers, and one-day or multi-day events. Policies are underwritten with access to carriers rated A- / VII or better, providing market stability for higher-risk group operations. Ideal Accounts and Eligible Classes This program is suited to a wide variety of organizations and group activities where participants face physical risk. Target classes include: • Club & Intramural Teams • Clinics & Leagues • Special Events (1 Day or Longer) • K-12 Schools • Day Care, Nursery Schools, and Pre-Schools • Intercollegiate Athletic Programs – Exclusive Access to an "A" Rated Carrier • Camps – Sports & Non-Sports • Before & After Care Programs • Religious Groups • Fitness Clubs • Dance Studios • Martial Arts Facilities • Volunteer Groups If you represent clients who operate summer camps, youth sports organizations, or large community events, McGowan’s program offers coverage options that help those insureds meet their duty of care and address participant injury exposures. Coverage Highlights and Special Features The program provides customizable Accident & Health features designed for group exposures, including: Accidental Death & Dismemberment limits from $2,500 to $50,000 Accident Medical Expense limits from $5,000 to $100,000 Deductible options ranging from $0 to $10,000 Dental coverage included within medical expense limits Excess coverage options to layer limits as needed Additional casualty and ancillary coverages are available on request to create broader protection packages: General Liability Hired and Non-Owned Auto Liability Sexual Abuse / Molestation coverage McGowan also places Commercial Umbrella and Follow Form Excess Liability products to complement core Accident & Health limits for accounts with higher liability exposures. Underwriting Considerations Underwriters generally require an underlying carrier with an A- / VII rating or better. Exceptions for certain Employer Liability carriers may be considered on a case-by-case basis. Minimum premium requirements vary by class and exposure; McGowan’s underwriting team will work with you to evaluate each risk and determine appropriate terms. Available Nationwide This program is available in all U.S. states and Washington, D.C. Territories served include: AL, AK, AZ, CA, CO, CT, DE, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MO, MT, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With McGowan Excess & Casualty? As a Managing General Underwriter, McGowan Excess & Casualty brings deep accident and health underwriting expertise plus exclusive market access. Agents benefit from responsive underwriting, flexible coverage structures, and a broad appetite for accounts involving minors, volunteers, and physical activity. The program is designed to be carrier-stable and practical for producers placing group activity risks. Example account scenarios: You might have a client that runs a seasonal youth soccer league seeking accident medical limits and AD&D coverage for participants and volunteers during practices and games. Or a K-12 school district that needs short-term accident medical coverage for extracurricular athletic programs and field trips, with the option to add excess layers. What types of accounts are a good fit for this Accident & Health program?Accounts that manage structured group activities with participant exposure — youth sports teams, camps, schools, day care programs, and special events — are all good fits, subject to underwriting review. Is general liability included in the program?General liability is not included by default but can be added upon request to create a combined package with Accident & Health coverage. Are one-day events eligible for coverage?Yes. One-day and multi-day special events are eligible, subject to underwriting and event details such as attendance, activities, and risk controls. Can I write business in any state?Yes. McGowan’s Accident & Health program is available across all U.S. states and Washington, D.C. What is the financial rating of the carriers used?The program places business with carriers rated A- / VII or better; exceptions for certain Employer Liability carriers are considered on a case-by-case basis. Need help placing an account? Connect with a market specialist.