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...Administrators — Public Entities Umbrella Insurance The McGowan Companies offers a dedicated Public Entities Umbrella Insurance program designed for munic...tions, loss runs, and details on any public-safety operations (fire, EMS, law ...

... Educators Legal Liability Umbrella or Excess Insurance Carriers in our...ity, educators legal liability, and umbrella/excess options. Multi-line placem...

...ical Damage Excess Liability / Umbrella Property and Allied Lines Additio...iability, law enforcement liability, public officials liability, auto liabilit...

... associations, and foundations. Public Entities: Select publicly traded companies (contact for under...for-profit organizations, and select public companies seeking primary or exces...

...ups (10+ providers) • Private and public organizations • Law firms (10+ attorn... contract wording review for a large public project — we perform form analysis...

...and risk-management solutions for public entities across Illinois. Administere...unts are a good fit for this program?Public entities in Illinois such as counties, municipalities, townships, public schools, and special districts are...

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 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.