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The Herbert H. Landy Insurance Agency, Inc. offers a comprehensive Miscellaneous Professional Liability (MPL) program designed to help insurance agents and brokers secure the right coverage for a wide range of professional service providers. Whether your client is a management consultant, IT professional, or claims adjuster, Landy provides flexible solutions to help protect against claims of negligence, errors, or omissions in the performance of their professional duties. Overview of the Program From The Herbert H. Landy Insurance Agency With decades of experience in professional liability, The Landy Agency specializes in placing E&O and professional liability coverage for hard-to-place and emerging professional classes. This MPL program offers both admitted and non-admitted markets, giving you the flexibility to find the right fit for your client’s needs—whether they are a startup or an established firm. The program is available in most states and is backed by a broad underwriting appetite and responsive service team. Ideal Accounts and Appetite This program is designed for a wide variety of professional services, including but not limited to: Management Consultants Employment Agencies, Recruiters, and Temporary Staffing Firms Data Processing Companies Claims Adjusters Travel Agencies Collection Agencies Architects and Engineers IT Consultants Home Inspectors Title Agents and Mortgage Brokers For-Profit and Non-Profit Directors & Officers (D&O) You might have a client who is launching a new consulting agency or a seasoned IT firm expanding its services—Landy can help you find a market for both. Coverage Highlights and Advantages The Miscellaneous Professional Liability program offers customizable coverage options tailored to your insured’s operations. Key features include: Access to Numerous Admitted & Non-Admitted Markets Coverage for a Broad Array of Professional Classes Cybercrime and Crime Coverage Available for All Classes Experienced Underwriting Support and Fast Quote Turnaround Underwriting Notes and Minimum Premiums Submissions are accepted for nearly all industry classes and business types. The program is flexible enough to accommodate new ventures, independent contractors, and established firms. While minimum premiums may vary depending on the class and risk profile, Landy works to find cost-effective solutions tailored to each account. Territories and Availability The Miscellaneous Professional Liability program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR...WA, DC, WV, WI, and WY. With both admitted and non-admitted options, you have flexibility in coverage placement depending on your client’s state and risk profile. Why Work With The Herbert H. Landy Insurance Agency For over 70 years, The Herbert H. Landy Insurance Agency has been a trusted name in professional liability coverage. Agents and brokers turn to Landy for its deep market knowledge, strong carrier relationships, and commitment to service. Whether you're placing a standard account or navigating a complex risk, Landy's responsive team supports you every step of the way—from submission to policy issuance. To learn more or to submit a risk, visit the Herbert H. Landy Insurance Agency profile or go directly to the Miscellaneous Professional Liability storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of professional service providers, including consultants, IT firms, claims adjusters, title agents, and more. New ventures and established businesses are both welcome. Are both admitted and non-admitted markets available?Yes, The Landy Agency offers access to both admitted and non-admitted carriers, allowing for flexible placement depending on the risk profile and state. Can I submit accounts outside of the listed target classes?Yes, submissions are accepted for nearly all industries and classes of business. The underwriting team will review and determine eligibility on a case-by-case basis. Is cyber coverage available through this program?Yes, cybercrime and crime coverage options are available for all classes under this program. What states is this program available in?The program is offered in most U.S. states, including CA, NY, FL, TX, and many others. Please refer to the full list above for specific state availability. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Errors and Omissions Professional Liability Insurance Overview of the Program From McGowan, Donnelly & Oberheu The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a comprehensive Errors and Omissions (E&O) Professional Liability Insurance program designed for a wide range of professional service providers. As a trusted wholesale broker, we provide access to both primary and excess E&O coverage, tailored to mitigate the financial risks professionals face in the course of business. With access to multiple carriers and availability in most states, this program gives agents and brokers a flexible, nationwide solution for placing E&O risks. Ideal Accounts and Appetite This program is ideal for professionals who provide expert advice or services and are at risk of claims due to negligence, errors, or omissions. Eligible classes include but are not limited to: Actuaries Benefits Consultants Bookkeepers Business Brokers Claims Adjusters Collection Agents Credit Counselors Document Storage Services Employment Agencies Expert Witnesses Franchisors HR Consultants Management and Market Research Consultants Medical Billing Services Premium Finance Companies Safety Consultants Temporary Staffing Services Third Party Administrators Testing Laboratories Trustees If you have clients operating in any of these fields, especially those with growing operations or specialized exposures, this program is built to support their coverage needs. Coverage Highlights and Advantages Our Errors and Omissions program provides professional and management liability coverage designed to protect businesses from claims of negligence, misrepresentation, violation of good faith, and inaccurate advice. Key features include: Access to both primary and excess coverages Flexible policy structures to accommodate various industries Coverage for defense costs, settlements, and judgments Customized underwriting for niche and hard-to-place risks For example, if you're working with a medical billing company expanding into new markets or a management consultant serving high-value clients, this program can help safeguard against the unique exposures those professionals face. Underwriting Notes and Minimum Premiums Underwriting is tailored to the specific class of business. While minimum premiums vary by risk and carrier, we strive to provide competitive pricing for both small and mid-sized firms. Our underwriters are experienced in reviewing complex professional liability risks and can assist in structuring placement options that meet your client’s needs. Territories and Availability This program is available in most states, including but not limited to: CA, TX, FL, NY, IL, PA, OH, GA, NC, and many others. Coverage is offered on an admitted basis in most available states, depending on the class and carrier involved. We work with a variety of markets to ensure broad geographic and industry reach. Why Work With The McGowan Companies? The McGowan Companies is a trusted name in specialty insurance, and McGowan, Donnelly & Oberheu brings deep expertise in professional liability. Agents and brokers benefit from our market reach, responsive service, and ability to accommodate both standard and hard-to-place accounts. Whether you are placing a single policy or looking for a long-term solution for your professional clients, we offer the tools and support to help you succeed. For more information on Errors and Omissions Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals such as consultants, claims adjusters, staffing agencies, HR specialists, and medical billing services that face liability risks from the services they provide. Is this E&O insurance available nationwide?The program is available in most states, including all major markets. Availability may vary by class of business and carrier. What coverage limits are offered?Both primary and excess coverage limits are available. Limits can be tailored based on the client’s size, industry, and risk profile. Can you help with hard-to-place risks?Yes. We specialize in placing both standard and non-standard E&O risks and have access to multiple carriers to support complex or unique exposures. How quickly can I get a quote?Turnaround times vary depending on the complexity of the risk, but our underwriting team works efficiently to deliver quotes as promptly as possible. Need help placing an account? Connect with a market specialist. ...

The Herbert H. Landy Insurance Agency, Inc. offers a comprehensive Miscellaneous Professional Liability (MPL) program designed to help insurance agents and brokers secure the right coverage for a wide range of professional service providers. Whether your client is a management consultant, IT professional, or claims adjuster, Landy provides flexible solutions to help protect against claims of negligence, errors, or omissions in the performance of their professional duties. Overview of the Program From The Herbert H. Landy Insurance Agency With decades of experience in professional liability, The Landy Agency specializes in placing E&O and professional liability coverage for hard-to-place and emerging professional classes. This MPL program offers both admitted and non-admitted markets, giving you the flexibility to find the right fit for your client’s needs—whether they are a startup or an established firm. The program is available in most states and is backed by a broad underwriting appetite and responsive service team. Ideal Accounts and Appetite This program is designed for a wide variety of professional services, including but not limited to: Management Consultants Employment Agencies, Recruiters, and Temporary Staffing Firms Data Processing Companies Claims Adjusters Travel Agencies Collection Agencies Architects and Engineers IT Consultants Home Inspectors Title Agents and Mortgage Brokers For-Profit and Non-Profit Directors & Officers (D&O) You might have a client who is launching a new consulting agency or a seasoned IT firm expanding its services—Landy can help you find a market for both. Coverage Highlights and Advantages The Miscellaneous Professional Liability program offers customizable coverage options tailored to your insured’s operations. Key features include: Access to Numerous Admitted & Non-Admitted Markets Coverage for a Broad Array of Professional Classes Cybercrime and Crime Coverage Available for All Classes Experienced Underwriting Support and Fast Quote Turnaround Underwriting Notes and Minimum Premiums Submissions are accepted for nearly all industry classes and business types. The program is flexible enough to accommodate new ventures, independent contractors, and established firms. While minimum premiums may vary depending on the class and risk profile, Landy works to find cost-effective solutions tailored to each account. Territories and Availability The Miscellaneous Professional Liability program is available in most U.S. states, including AL, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR...WA, DC, WV, WI, and WY. With both admitted and non-admitted options, you have flexibility in coverage placement depending on your client’s state and risk profile. Why Work With The Herbert H. Landy Insurance Agency For over 70 years, The Herbert H. Landy Insurance Agency has been a trusted name in professional liability coverage. Agents and brokers turn to Landy for its deep market knowledge, strong carrier relationships, and commitment to service. Whether you're placing a standard account or navigating a complex risk, Landy's responsive team supports you every step of the way—from submission to policy issuance. To learn more or to submit a risk, visit the Herbert H. Landy Insurance Agency profile or go directly to the Miscellaneous Professional Liability storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for a wide range of professional service providers, including consultants, IT firms, claims adjusters, title agents, and more. New ventures and established businesses are both welcome. Are both admitted and non-admitted markets available?Yes, The Landy Agency offers access to both admitted and non-admitted carriers, allowing for flexible placement depending on the risk profile and state. Can I submit accounts outside of the listed target classes?Yes, submissions are accepted for nearly all industries and classes of business. The underwriting team will review and determine eligibility on a case-by-case basis. Is cyber coverage available through this program?Yes, cybercrime and crime coverage options are available for all classes under this program. What states is this program available in?The program is offered in most U.S. states, including CA, NY, FL, TX, and many others. Please refer to the full list above for specific state availability. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Allied Medical Professional Liability Insurance Overview of the Program From The McGowan Companies The McGowan Companies, through MCGOWAN, DONNELLY & OBERHEU, LLC, offers a robust Allied Medical Professional Liability Insurance program designed for a broad range of healthcare professionals and facilities. As a wholesale broker with access to a variety of markets, McGowan can help you place complex or hard-to-insure medical accounts with confidence. Whether your client is a solo practitioner, a specialty clinic, or a large healthcare facility, this program provides flexible and tailored solutions to address evolving professional liability risks in the medical industry. Ideal Accounts and Appetite This program targets a wide array of allied healthcare providers, including both standard and hard-to-place risks. Eligible classes include: Ambulance Services Blood & Tissue Banks Clinical Research & Trials Clinics and Physician Groups CRNAs, Nurses, and Physical Therapists Counselors and Mental Health Facilities Dentists and Surgeons (hard-to-place) Home Healthcare Agencies Hospitals and Medi Spas Pharmacies Physicians (hard-to-place) If you have clients with prior claims, licensing issues, or unique practice models, this program may offer a viable solution where standard markets fall short. Coverage Highlights and Advantages The Allied Medical Professional Liability program includes: Professional & Management Liability coverage Primary and Excess Limits available to meet varying risk profiles Access to both admitted and non-admitted carriers, depending on the state Solutions for hard-to-place medical professionals and facilities This program helps protect your clients from claims arising from professional negligence, errors and omissions, and management decisions within the scope of healthcare services. Underwriting Notes and Minimum Premiums Underwriting is flexible, with a focus on understanding the unique risk profile of each applicant. While minimum premium information is not specified, accounts are assessed based on size, services provided, claims history, and jurisdiction. McGowan’s team works closely with agents to structure appropriate solutions for both standard and distressed risks. Territories and Availability The Allied Medical Professional Liability Insurance program is available in most states, including 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..., VT, VA, WA, DC, WV, WI, and WY. Admitted options are available in many of these jurisdictions, with non-admitted placements offered as needed. Why Work With The McGowan Companies As a trusted wholesale broker, The McGowan Companies bring deep expertise in the healthcare liability space. Their access to a variety of carriers, responsiveness, and ability to craft customized solutions make them a valuable partner for agents placing complex medical liability risks. Whether you're working with a newly formed clinic or a high-exposure facility with a challenging claims history, McGowan can help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for allied healthcare providers, including clinics, physician groups, CRNAs, medi spas, home healthcare agencies, and hard-to-place risks like surgeons or physicians with prior claims. Can this program handle accounts with prior claims or licensing issues?Yes, McGowan specializes in underwriting hard-to-place healthcare providers, including those with prior claims history or regulatory concerns. Are both primary and excess limits available?Yes, the program offers both primary and excess liability coverage options to meet a wide range of client needs. Is this program available in my state?The program is available in most U.S. states. Contact McGowan for specific availability and carrier options in your state. What carrier markets does McGowan work with for this program?McGowan has access to a variety of carriers for this program. Carrier selection may vary by state and account profile. Need help placing an account? Connect with a market specialist.

MCGOWAN, DONNELLY & OBERHEU, LLC Engineers Professional Liability Insurance Eligible Classes: Civil Engineers Construction Managers Design / Build Firms Electrical Engineers Forensic Engineers Geotechnical Engineers Landscape Architects Land Surveyors Structural Engineers Products: Professional & Management Liability Limits: Primary & Excess Available For more information on Engineers Professional Liability Insurance, please contact us! Overview of the Program From The McGowan Companies This Engineers Professional Liability Insurance program is offered through The McGowan Companies and placed by MCGOWAN, DONNELLY & OBERHEU, LLC as a wholesale broker. It provides professional and management liability capacity for design firms, engineers and related consulting practices. The program is designed to help agents place a range of engineering accounts with flexible limit options and carrier access that varies by risk profile. Ideal Accounts and Appetite Target classes for this program include the professions listed above and typical accounts are: Small to mid-size civil and structural engineering firms providing design and construction phase services. Design/build firms and construction managers with professional exposure. Specialty engineers — electrical, geotechnical, forensic — and survey/landscape practices. Generally a good fit: firms with clearly defined professional services, reasonable revenue scale, documented quality-control procedures and limited high-risk construction-phase exposure. Less desirable: firms with extensive wrapped construction guarantees, significant subcontractor liability without oversight, or repeated large prior professional judgments. Contact the program for borderline or complex risks. Coverage Highlights and Advantages Professional & management liability coverage tailored for engineering and technical consulting exposures. Primary and excess limits available to support larger projects and joint-venture placements. Access to multiple carriers — placement varies by account characteristics and carrier appetite. Wholesale brokerage support to help structure submissions and negotiate terms for hard-to-place risks. Underwriting Notes and Submission Guidance Underwriters will typically evaluate scope of services, contract wording, prior claims history, project mix, and key personnel experience. Standard submission materials include a completed application, current loss runs (usually 5 years), résumés of principals or technical leaders, and samples of client contracts or engagement letters. Because carriers and appetite vary, early conversations about contract risk transfer and limits help speed placement. Territories and Availability This program is available throughout the listed states: 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...X, UT, VT, VA, WA, DC, WV, WI, WY. Carrier admitted/non-admitted availability may vary by state and by carrier — contact the wholesaler for state-specific placement options. Why Work With The McGowan Companies on This Business Wholesale broker access to a range of professional liability markets for engineers and technical consultants. Experience placing both primary and excess layers to meet project or contractual requirements. Practical underwriting guidance to help agents tailor submissions and address contract language or risk-transfer issues. Responsive placement support for accounts that need more specialized attention than standard retail markets. Example Account Scenarios You have a mid-size structural engineering firm that performs bridge inspection and design work seeking $1M+ limits — this program can pursue primary and excess capacity across multiple carriers. An electrical engineering consultant with a clean loss history is expanding into design/build services; the program can evaluate limits and management liability exposure and assist in placement. Frequently Asked Questions What types of engineering firms are a good fit for this program?This program is tailored to civil, structural, electrical, geotechnical, forensic engineers, land surveyors, landscape architects, construction managers and design/build firms. Firms with documented quality controls and standard professional services are preferred. What coverage and limits are available?Professional and management liability coverage is offered with both primary and excess limit options. Exact limits and forms depend on the carrier selected for the account — contact the wholesaler to discuss specific limit needs. What materials are typically required to submit a risk?Typical submissions include a completed application, current loss runs (commonly five years), resumes of principals or technical leads, and sample contracts or engagement letters. Early submission of contract terms helps underwriters evaluate risk transfer issues. How is availability handled across states and admitted vs. non-admitted markets?The program can place coverage in the states listed above. Admission status (admitted or non-admitted) and carrier options vary by state and by carrier appetite; contact the wholesaler for state-specific placement strategies and options. Need help placing an account? Connect with a market specialist.

Professional Liability insurance is essential for any individual or organization that provides professional services. Whether your client is a consultant, physician, engineer, or broker, an error or oversight can result in costly claims alleging negligence, errors, or omissions. A well-structured Professional Liability policy helps protect your clients from defense costs, settlements, and judgments tied to professional services. Comprehensive Market Access With Alexander J. Wayne & Associates At Alexander J. Wayne & Associates, Inc., we specialize in placing both standard and hard-to-place Professional Liability risks. As a wholesale broker, we maintain deep relationships with admitted and surplus lines carriers to deliver fast quote turnaround, competitive terms, and tailored solutions. Our carrier access includes top markets such as ACE USA, Beazley, CNA, Axis, and many others—giving you options when coverage needs are complex or unusual. Ideal Accounts and Target Classes This Professional Liability program serves a broad cross-section of professional classes. Bring us accounts in these categories with confidence: • Architects and Engineers • Insurance Agents • Medical Facilities and Doctor’s Offices • Clinics and Hospitals • Consultants and Surveyors • Lawyers and Fiduciaries • Staffing Agencies • Environmental Professionals • Medical Marijuana Dispensaries • Railroads • Non-Profit and For-Profit Directors and Officers • Contractors and Brokers You can place everything from a single-location consultant to a growing multi-discipline engineering firm; we work both admitted and non-admitted markets depending on the state and risk profile. Coverage Highlights We provide a wide array of Professional Liability coverages and related protections, which can be tailored to client exposures: • Errors & Omissions (E&O) • Hard-to-Place Professional Liability • Directors & Officers (D&O) Liability • Employment Practices Liability (EPL) • Pollution Liability Insurance • Cyber Liability • Medical Malpractice E&O • Media Liability • Products Liability Policies are customized by industry exposure and can include limits, endorsements, and defense structures that align with each client’s operations. Underwriting Flexibility and Minimum Premiums Underwriting flexibility is a core strength of this program. Our carrier relationships allow us to consider accounts with prior claims, niche exposures, and higher-limit needs that can be difficult to place in standard markets. Minimum premiums vary by class and state—please consult with us on specific minimums for each account. Territories and Admitted Status This program is available in most U.S. states, including CA, TX, FL, NY, IL, and PA. We offer admitted placements where available and surplus/non-admitted options in other states to secure the best coverage and price for the exposure. Why Work With Alexander J. Wayne & Associates? Alexander J. Wayne & Associates brings decades of specialty market experience in Professional Liability. We focus on fast, practical underwriting responses, strong carrier relationships, and senior-level technical support on complex submissions. That combination helps you close business faster and place accounts that may be challenging elsewhere. Practical examples: - You might have a small clinic concerned about HIPAA and malpractice exposures — we can pair medical E&O with cyber and regulatory coverage where appropriate. - Or you may represent an engineering firm with expanding project work and prior claims; our markets can consider higher limits and tailored endorsements to address their evolving risk. Why go anywhere else when you can go through AJ Wayne? Call AJ Wayne today and ask how we can help you place standard and hard-to-place Professional Liability accounts. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for professionals such as architects, engineers, consultants, medical providers, insurance agents, and directors and officers of both for-profit and nonprofit organizations. We handle single-location practices through multi-office firms. Can you handle hard-to-place risks?Yes. We specialize in both standard and hard-to-place Professional Liability accounts, including risks with prior claims, unique services, or higher-limit needs. What carriers do you work with?We have access to a wide range of leading carriers, including ACE USA, Beazley, CNA, Axis, and others, allowing us to match the right market to each account’s exposures. Is the program available nationwide?Yes. Coverage is available in most U.S. states. We offer admitted options where available and non-admitted/surplus lines placements where necessary to secure coverage. What is the typical turnaround time for quotes?Turnaround times vary by submission complexity, but our market relationships and streamlined submission process generally produce quick quotes so you can serve clients efficiently. Need help placing an account? Connect with a market specialist. ...

MCGOWAN, DONNELLY & OBERHEU, LLC Architects and Engineers Professional Liability Insurance Overview of the Program From McGowan, Donnelly & Oberheu As part of The McGowan Companies, McGowan, Donnelly & Oberheu, LLC offers a nationwide Architects and Engineers Professional Liability Insurance program designed specifically for design and construction professionals. This program helps you place coverage for clients who are exposed to complex professional risks, including errors and omissions, project delays, and design liabilities. Ideal Accounts and Appetite This program is well-suited for a wide range of design and engineering professionals, including: Civil Engineers Construction Managers Design/Build Firms Electrical Engineers Forensic Engineers Geotechnical Engineers Landscape Architects Land Surveyors Structural Engineers Whether your clients are sole proprietors or mid-size firms, this program can be tailored to fit their size and scope of operations. You might have a client who is a structural engineer working on mid-rise commercial buildings, or a design/build firm managing multi-use developments—this program is designed to meet those needs. Coverage Highlights and Advantages The program provides comprehensive protection for a range of professional exposures, with coverage options that include: Professional & Management Liability Primary and Excess Limits Available Coverage is structured to help protect your clients from claims alleging negligence, design flaws, and professional errors that result in financial damages. Access to both primary and excess layers gives you flexibility when placing accounts with higher exposure or complex contracts. Underwriting Notes and Minimum Premiums Each submission is evaluated individually, and underwriting flexibility allows for competitive structuring based on firm size, project types, and claims history. While minimum premiums may vary, our underwriting team works closely with brokers to ensure each risk is properly assessed and priced accordingly. Territories and Availability This program is available in all 50 states and Washington, D.C. Coverage is written on both admitted and non-admitted paper, depending on the risk and state requirements. This allows you to serve clients in diverse geographic regions without limitations. Why Work With The McGowan Companies As a wholesale broker with deep expertise in professional liability, The McGowan Companies bring decades of experience and strong carrier relationships to the table. You gain access to a wide range of markets and a responsive underwriting team that understands the unique risks faced by architects, engineers, and construction professionals. For more information on Architects and Engineers Professional Liability Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for civil, structural, electrical, and geotechnical engineers, as well as landscape architects, land surveyors, design/build firms, and construction managers. Is this coverage available nationwide?Yes, the program is available in all 50 states and Washington, D.C., with both admitted and non-admitted options depending on the state and risk profile. Can I access both primary and excess limits through this program?Yes, the program offers both primary and excess liability coverage options, giving you flexibility to meet higher coverage requirements. What carriers are available for this program?Carrier options vary based on the risk and location. McGowan, Donnelly & Oberheu, LLC works with a range of reputable carriers to provide competitive solutions. What information is required to get a quote?Typical submissions include a completed application, loss runs, firm resumes, project lists, and details about services offered. Underwriters may request additional documents as needed. 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. ...

Overview — Architects and Engineers Professional Liability Insurance Ashley General Agency offers a focused Architects and Engineers Professional Liability Insurance program designed for independent agents and brokers who need a market for professional design and engineering exposures. This program combines errors & omissions protection with complementary coverages commonly requested by design professionals, and is underwritten through a variety of admitted and excess & surplus (E&S) markets depending on state availability and risk characteristics. What this program covers The Architects and Engineers Professional Liability Insurance program is built to address the common liability exposures design professionals face, including negligent design, construction management issues, engineering management errors, and pollution incidents tied to professional services. Core coverages available through the program include: Errors & Omissions (Professional Liability) Engineers Professional Liability Directors & Officers (D&O) Employment Practices Liability (EPLI) Environmental / Pollution liability (including incidents arising from professional services) General Liability and Umbrella/Excess options for environmental engineers Ideal accounts and appetite This program is a good fit for a broad range of architecture and engineering firms, including but not limited to: Small to mid-size architectural firms (commercial, residential, mixed-use) Civil, structural, mechanical, electrical, and environmental engineering firms Firms providing construction management, engineering management, or design-build services Environmental engineering consultants who require pollution incident coverage tied to professional services Typical accounts that fit: firms with stable claims histories, clear risk management procedures, and projects that are not unusually large-scale, highly speculative, or involving novel technologies. High-hazard projects, design-build projects with tight performance guarantees, or accounts with significant unresolved claims may require placement elsewhere or additional underwriting scrutiny. Coverage highlights and advantages Comprehensive professional liability wording tailored to architects and engineers. Ability to package D&O and EPLI with professional liability for broader enterprise protection. Environmental/pollution protection available for engineering firms that handle contaminated sites, remediation consulting, or services with pollution exposure. Flexible placement options — admitted paper where available; E&S placements through Ashley General Agency for non-standard or out-of-program risks. Access to multiple carriers and specialist underwriters to improve placement flexibility. Underwriting notes and minimums Underwriting focuses on firm size, practice areas, claims history, contract terms, and risk management controls. The program generally favors: Firms with professional staff records, formal quality control, and documented risk management practices. Projects that are routine for the firm’s stated expertise (not atypical or first-time large exposures). Minimum premium: $500. Limits, retentions, and final pricing will depend on the carrier selected and the individual exposure. Some coverages may be offered on an admitted basis in certain states and on a non-admitted/E&S basis where necessary. Territories and availability The program is available in select states. Ashley General Agency places business on an admitted basis in some states and on an E&S basis where admitted options are not available. Current targeted availability includes Texas; please check with Ashley General Agency for updated state availability. Why place this business with Ashley General Agency? Specialized MGA and E&S broker experience placing architects and engineers professional liability. Established relationships with multiple carrier partners to maximize placement options for difficult or mixed exposures. Practical, agent-focused underwriting and responsive service for quote and bind requests. Ability to bundle related coverages (D&O, EPLI, environmental) to provide broader, coordinated protection for design firms. Example accounts A five-person architectural firm focused on small commercial and multi-family residential projects seeking E&O coverage plus D&O for the principal owners. A mid-size civil engineering firm providing construction management and environmental consulting that needs professional liability with pollution incident coverage and umbrella limits. Contact us for more information on our Architects and Engineers Professional Liability Insurance program by calling 936-585-6442 Frequently Asked Questions What types of architect or engineer firms are a good fit for this program?The program targets small to mid-size architecture and engineering firms engaged in routine commercial, residential, civil, structural, mechanical, electrical, or environmental work. Firms with documented quality control and standard contract language typically receive the best terms. Is environmental/pollution liability available through this program?Yes. Pollution and environmental exposures arising from professional services can be included—particularly for environmental engineers and consultants. Coverage availability and terms depend on the scope of services and past loss history. Do you offer admitted paper or is this program only non-admitted?Ashley General Agency places business on admitted paper in certain states where carriers provide admitted options and uses E&S placements where admitted coverage is not available. Availability varies by state and carrier. What is the minimum premium and typical submission requirements?The program has a minimum premium of $500. Typical submission materials include an application, current A&E firm resume, five years of professional services loss history, and copies of standard engagement/contract language. Need help placing an account? Connect with a market specialist. ...

Enhanced Miscellaneous Professional Liability Program NEW Lower minimum premiums NEW Expanded eligibility to over 300 classes of Professional Liability, including: Target Classes Include: Technology Risks Independent or Public Adjusters Home Inspectors Real Estate Appraisers Property Managers Employment/Staffing Agencies Event Planners Funeral Directors / Morticians Graphic Designers Payroll Service Providers Landscape Architects ...and many more. Call for details! Program Overview from U.S. Risk Insurance Group U.S. Risk Insurance Group, Inc. offers a flexible Miscellaneous Professional Liability program designed for agents and brokers placing service-based professionals whose exposures fall outside standard industry programs. With recent expansion to more than 300 eligible classes and more competitive entry pricing, this program helps you secure tailored errors & omissions protection for non-traditional professionals and small firms. Ideal Accounts and Appetite This program targets small- to mid-sized professional service firms across a broad mix of classes. It is a good fit when your client provides professional advice, reporting, inspection, placement, or administrative services to third parties and needs E&O protection. Typical accounts include consultants, home inspectors, adjusters, real estate appraisers, staffing agencies, event planners, and creative professionals such as graphic designers. Example placements: A sole-practitioner home inspector seeking a primary professional liability policy with modest deductible and flexible limits. A regional staffing agency that needs coverage for placement errors and payroll-administration services across multiple client industries. Coverage Highlights and Advantages Option to structure defense costs outside the policy limit Personal injury coverage included when tied to professional services Contingent bodily injury and property damage coverage available Limits available up to $5 million per claim and in the aggregate Deductibles starting as low as $1,000 Underwriting Notes and Minimum Premiums Minimum premiums now start at $1,000, improving accessibility for smaller firms and startups. U.S. Risk underwrites with an emphasis on class-specific exposures and will consider accounts that may be difficult to place through standard carriers. Required submission materials vary by class — include completed applications, recent loss runs, and any applicable service agreements for faster review. Most markets are offered non-admitted, with access to multiple carrier partners. Territories and Availability This Miscellaneous Professional Liability program is available in most U.S. states, including 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... WV, WI, and WY. Availability and admitted/non-admitted options may vary by state and class. Why Work With U.S. Risk Insurance Group? U.S. Risk acts as a program administrator with deep experience in niche professional liability markets. They provide responsive underwriting, access to multiple carrier appetite options, and program structures designed for hard-to-place risks. Working with U.S. Risk gives you flexible policy features and service-oriented placement support when standard markets are limited. Frequently Asked Questions What types of accounts are a good fit for this program?This program is well suited for a wide range of service professionals, including consultants, home inspectors, adjusters, appraisers, staffing agencies, and many creative or administrative service providers. What is the minimum premium for this program?The minimum premium starts at $1,000, making it a competitive option for smaller and emerging businesses. Are defense costs included within the policy limits?Defense costs can be structured outside the policy limit if selected, which helps preserve limits for indemnity exposure. Is this program available in my state?The program is available in most U.S. states. State-specific availability and admitted versus non-admitted options depend on class and carrier. What limits and deductibles are available?Coverage limits are available up to $5 million per claim and in the aggregate, with deductibles starting as low as $1,000. Need help placing an account? Connect with a market specialist.