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McGowan Program Administrators Museums and Cultural Insurance Overview of the Program from McGowan McGowan Program Administrators offers a specialized Museums and Cultural Insurance program designed for nonprofit and cultural institutions across the United States. Built to address the distinct operational and reputational risks these organizations face, the program provides tailored solutions for a wide range of cultural entities—including galleries, historical societies, botanical gardens, theaters, and more. With underwriting expertise in the nonprofit and arts sectors and access to top-rated carriers, McGowan is a reliable market for agents and brokers placing cultural accounts. Ideal Accounts and Appetite This program fits a broad array of cultural organizations, including: Aquariums Arboretums and botanical gardens Art galleries and exhibit spaces Children’s museums and science centers General and regional museums Historical societies and heritage museums Natural history museums and planetariums Nature centers Orchestras, theater troupes, and performing arts organizations Whether the risk is a small community museum, a volunteer-run historical society, or a regional orchestra with touring performances, this program offers capacity and flexibility to match operations of varying size and complexity. Coverage Highlights and Advantages McGowan’s program combines primary and excess solutions with management liability and specialty coverages that address museum-specific exposures. Key features include: Umbrella/Excess: Limits available from $1M to $25M, with follow-form options for many underlying exposures. Directors & Officers (D&O): Typical limits of $1M with defense costs outside the limit and coverage for monetary and non-monetary claims. Employment Practices Liability (EPLI): $1M limits that extend to employees, executives, and volunteers. Fiduciary Liability: Coverage up to $500,000. Additional program advantages include coverage for personal injury and publisher’s liability, defense for breach of third-party contract claims, and third-party discrimination protection. Umbrella follow-form options commonly extend over general liability, auto liability, employers liability, liquor liability, D&O and other underlying lines to provide consistent excess protection. Underwriting Notes and Minimum Premiums Underwriting emphasizes the quality of operations, exposure controls, and the condition of underlying insurance. For umbrella placements, a minimum underlying carrier rating of A- / VI is required. McGowan evaluates risks individually and works with agents to develop competitive terms based on an organization’s size, operations, volunteer usage, exhibit types, and touring activities. Specific minimum premium requirements are determined at submission and are evaluated on a case-by-case basis. Territories and Availability This program is available nationwide, including all 50 states and Washington, D.C. McGowan’s market relationships allow you to place accounts regardless of client location. (Admitted/non-admitted placement will depend on the carrier options available for a given risk.) Why Work With McGowan on This Business As a program administrator with deep experience in nonprofit and cultural classes, McGowan combines underwriting expertise, accessible capacity, and responsive service. Agents benefit from a partner that understands the unique liability, management, and volunteer exposures museums face and can package liability, management liability, and excess capacity efficiently. McGowan’s focus on niche programs makes it a solid option for agents seeking tailored solutions for arts, cultural, and educational clients. You might have a client that runs a regional natural history museum with rotating exhibits and education programs—this program can address exhibit-related liability, volunteer exposures, and management liability. Or you may place a community theater or orchestra that relies on seasonal staff and touring performances; McGowan’s combined lineup of EPLI, D&O and excess limits provides practical protection for those operations. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for museums, cultural institutions, galleries, orchestras, arboretums, and other nonprofit or educational cultural organizations. What are the available coverage limits?The program offers umbrella limits from $1MM to $25MM, along with D&O and EPLI coverage at $1MM and fiduciary liability up to $500,000. Are volunteers included in EPLI coverage?Yes, the EPLI coverage includes protection for organizations, executives, employees, and volunteers. Is this program available in all states?Yes, the Museums and Cultural Insurance Program is available in all 50 states and Washington, D.C. What underlying carrier rating is required?A minimum A- / VI rating is required for umbrella coverage placements. Need help placing an account? Connect with a market specialist.

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Allstar Underwriters, a division of Allstar Financial Group, offers a comprehensive Product Liability Insurance program designed to help agents and brokers place complex and non-standard risks. Whether your client is a manufacturer, importer, distributor, or startup, we can tailor coverage to meet their unique liability exposures. Ideal Accounts and Appetite We provide flexible solutions for a wide range of businesses involved in the production, distribution, or sale of physical products. Accounts that are a strong fit for our product liability program include: Manufacturers Importers Repackagers Sellers Distributors We are also open to unique and challenging submissions, including: Start-up companies Businesses with prior claims activity Non-renewed or hard-to-place risks Coverage Highlights and Advantages Our program offers Primary and Excess coverage options, with both Claims-Made and Occurrence forms available. Coverage types include: Product Liability Insurance only Product Liability with General Liability Coverage with vendors and product recall expense Excess Product Liability Worldwide coverage options Target industries include Food, Nutraceuticals, Pharmaceuticals, Chemicals, Medical Devices, Automotive Parts, Toys, Sporting Goods, and Raw Materials. Underwriting Flexibility Allstar Underwriters has the ability to handle complex and non-standard risks. We work with multiple carriers across both admitted and non-admitted markets, allowing us to find creative solutions for unusual or distressed accounts. Our underwriting team is experienced in reviewing challenging submissions and can structure terms to meet your client's requirements. Territories and Availability This product liability program is currently available in the following states: Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. We offer access to both admitted and non-admitted markets, depending on the risk profile and carrier availability. Why Work With Allstar Financial Group? Allstar Financial Group is a trusted Managing General Agency and Excess & Surplus Lines Broker with deep expertise in specialty and hard-to-place risks. Our Product Liability program is built to serve the needs of agents and brokers seeking flexible, responsive underwriting and access to top carriers. We offer fast turnaround and personalized service to help you win and retain business. Give one of our underwriters a call today for more information. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for manufacturers, importers, distributors, repackagers, and sellers of consumer products—especially in industries like food, medical devices, automotive parts, toys, and chemicals. Can you consider start-ups or businesses with prior claims?Yes, Allstar Underwriters welcomes submissions for start-up businesses, as well as accounts with claims history or non-renewed coverage. What coverage options are available?We offer Primary and Excess Product Liability coverage, with options including standalone liability, general liability bundles, vendor coverage, recall expense, and worldwide protection. Is this program admitted or non-admitted?We work with both admitted and non-admitted markets to meet the specific needs of each account and state jurisdiction. Which states is this program available in?The program is currently offered in Alabama, Florida, Georgia, North Carolina, South Carolina, Tennessee, and Virginia. Need help placing an account? Connect with a market specialist.