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MCGOWAN, DONNELLY & OBERHEU, LLC Architects Professional Liability Insurance Overview of the Program from The McGowan Companies The McGowan Companies offers a comprehensive Architects Professional Liability Insurance program designed specifically for design professionals and engineering firms. This program helps protect your clients against the complex risks associated with professional services in the construction and design industry. Whether your client is a civil engineer, architect, construction manager, or part of a design/build firm, this program delivers tailored coverage backed by specialized underwriting expertise and access to top-tier carriers. Ideal Accounts and Appetite This program is a strong fit 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 You might have a client who is part of a multidisciplinary design/build firm working on mid-sized commercial developments, or an independent civil engineering consultancy engaged in municipal infrastructure projects—both would be strong candidates for this program. Coverage Highlights and Advantages Professional & Management Liability coverage tailored to design professionals Primary and Excess limits available to suit varying risk profiles Access to a range of carriers, allowing for flexibility in pricing and terms Coverage options that respond to claims due to errors, omissions, or professional negligence This program is designed to offer peace of mind to professionals responsible for critical design decisions, helping them manage exposures that could lead to costly litigation or project delays. Underwriting Notes and Minimum Premiums The McGowan Companies works with a variety of carriers and underwriters to provide flexible solutions for a wide range of account sizes and risk profiles. While minimum premiums may vary, the program is structured to be accessible to both small firms and larger practices with more complex exposures. Submissions with complete applications, detailed project listings, and a good claims history will receive the most competitive terms. Territories and Availability This Architects Professional Liability Insurance program is available in all 50 states and the District of Columbia, making it easy for you to place business regardless of where your client is located. Coverage availability may vary by carrier and is offered on both admitted and non-admitted paper depending on the specific risk and jurisdiction. Why Work With The McGowan Companies As a leading wholesale broker, McGowan, Donnelly & Oberheu, LLC provides access to broad markets and deep industry expertise. Their team understands the unique needs of design professionals and offers responsive service, competitive pricing options, and reliable support throughout the underwriting process. Partnering with McGowan ensures that your clients receive tailored solutions backed by a team that prioritizes your success. For more information on Architects 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 engineers, architects, construction managers, design/build firms, and other design professionals involved in planning or managing construction projects. Is coverage available in all states?Yes, the program is available in all 50 states and the District of Columbia, with coverage offered through various admitted and non-admitted carriers. What limits are available under this program?Both primary and excess liability limits are available, providing flexibility to meet the needs of small firms and larger organizations alike. Can I submit accounts with prior claims?Yes, submissions with prior claims will be considered. A detailed explanation of the claims and current risk controls will help in the underwriting process. What information is needed to get a quote?A completed application, project lists, and loss history are typically required to receive a quote. Additional documentation may be requested based on the complexity of the account. Need help placing an account? Connect with a market specialist. ...

MCGOWAN, DONNELLY & OBERHEU, LLC Professional Liability Insurance Eligible Classes: Accountants Architects & Engineers Environmental / Pollution Liability Excess Liability Financial Services Insurance Agents & Brokers Lawyers Media Medical Misc. Errors & Omissions Real Estate Errors & Omissions Professional Liability Insurance Solutions from The McGowan Companies The McGowan Companies, through McGowan, Donnelly & Oberheu, LLC, offers a robust Professional Liability Insurance program tailored to help insurance agents and brokers secure coverage for a wide range of professional service providers. As a trusted wholesale broker, we provide access to competitive and comprehensive E&O and professional liability solutions across multiple industries, helping you meet the diverse needs of your clients. Ideal Accounts and Appetite Our Professional Liability Insurance program is designed for a broad spectrum of professional classes. Targeted industries include: Accounting firms, including solo CPAs and multi-partner firms Architects and engineering firms of various sizes Law firms seeking tailored malpractice coverage Medical professionals and healthcare-related service providers Environmental consultants and contractors needing pollution liability Real estate professionals, including brokers and appraisers Insurance agents and brokers looking for E&O coverage Media and advertising professionals with intellectual property exposures Financial service providers, including investment advisors Miscellaneous professional services not otherwise classified If you have a client offering professional services with liability exposure from errors, omissions, or performance failures, this program can help you place that business. Coverage Highlights and Advantages Primary and excess limits available to meet varying risk profiles Access to a wide range of carriers (varies by class and jurisdiction) Coverage tailored to each profession’s unique exposures Optional endorsements and extensions available depending on class Whether your client is a solo architect needing basic E&O protection or a regional law firm requiring layered excess coverage, we can help you secure the right policy structure. Underwriting Notes and Minimum Premiums Underwriting is flexible across a broad appetite, though accounts should demonstrate professional licensing, sound risk management practices, and minimal prior claims activity. While minimum premiums vary by class and carrier, we work with you to find options that balance cost and coverage effectively. Territories and Availability Our 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. Most offerings are admitted in these states, though availability may vary by class and carrier. Why Work With The McGowan Companies The McGowan Companies bring decades of experience and specialized underwriting knowledge across professional liability lines. As a wholesale broker, we provide agents and brokers with the tools and market access needed to place difficult or specialty risks with confidence. Our dedicated team will assist you throughout the quoting and binding process to help you deliver strong solutions to your insureds. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professional service providers such as accountants, architects, lawyers, medical professionals, insurance agents, and real estate brokers. Are both primary and excess limits available?Yes, we offer both primary and excess liability coverage to meet varying client needs. Which states is this program available in?This program is available in most U.S. states, including CA, TX, FL, NY, and many others. Please contact us for specific state availability. Can this program cover environmental or pollution liability?Yes, environmental and pollution liability coverage is available for qualifying accounts within our appetite. Do you offer admitted products?Yes, admitted products are available in most states, depending on class and carrier. 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.

Overview of the Program From Eastern Special Risk Insurance Agency Eastern Special Risk Insurance Agency offers a focused Forensic Professional Liability program designed for part- and full-time forensic experts. This program places professional liability coverage (post-occurrence exposures only) through Lexington Insurance Company, with limits available up to $1,000,000 per claim / $3,000,000 aggregate. It is built for agents who need a straightforward market for forensic and technical experts with competitive pricing and low minimums. Ideal Accounts and Appetite This program targets practicing forensic professionals and expert witnesses across most technical and medical classes. Typical classes that fit well include: Engineers Accident reconstruction specialists Physicians Surgeons Dentists Insurance industry experts Most other professional classifications providing expert services Accounts with clear, documented expert credentials and a history of retained expert work are preferred. The program is not intended for firms that require broad package forms (GL/PL combined) or for high-frequency expert placements without individual underwriting review. Coverage Highlights and Advantages Professional liability only — tailored to expert witness and forensic exposures. Post-occurrence exposures only, with limits available up to $1M/$3M. Access to Lexington Insurance Company capacity through Eastern Special Risk Insurance Agency. Designed for part-time and full-time experts; flexible for single-expert practices or small groups. Competitive pricing with relatively low minimum premiums for eligible accounts. Underwriting Notes and Submission Guidance Underwriting focuses on the expert’s background, scope of expert services, fee structure, and claims history. Typical items to include with a submission are a brief application or cover letter outlining services, CVs or résumés for the experts, and current loss runs or claims history where applicable. Because this program provides post-occurrence exposures only, discuss prior acts/retro date requirements with underwriting at placement. Accounts with ongoing high-volume forensic placements or those requiring coverage beyond professional liability (for example, general liability or cyber) will generally need alternate placement or a supplemental market. Territories and Availability This program is available in the states listed with the storefront and through Eastern Special Risk Insurance Agency’s wholesale distribution. Please confirm state availability for a specific account at submission; underwriting and state filing considerations may apply. Why Work With Eastern Special Risk Insurance Agency on This Business Eastern Special Risk Insurance Agency combines targeted underwriting for forensic professionals with access to Lexington Insurance Company’s capacity. That pairing makes it a practical option for agents seeking a specialized professional liability market for expert witnesses and forensic consultants. The program’s underwriting is pragmatic and service-oriented, which helps move placements efficiently for qualified accounts. Example Account Scenarios You have a civil/forensic engineer who provides accident reconstruction and expert testimony on a part-time basis. They need professional liability limits and prefer an occurrence-oriented placement. This program is a strong fit. A dental expert witness with several retained cases per year wants standalone professional liability coverage with competitive premiums and limits to $1M/$3M — this program can be presented for placement consideration. Frequently Asked Questions What types of accounts are a good fit for this Forensic Professional Liability program?Independent experts and small practices that provide forensic opinions or expert witness services — engineers, accident reconstruction specialists, physicians, dentists, and similar professional classes. The program is best for accounts seeking professional liability only and occurrence/post-occurrence exposures. What limits and forms are available?Limits are available up to $1,000,000 per claim / $3,000,000 aggregate. Coverage is professional liability only and written for post-occurrence exposures. Contact underwriting for specific form language and options. What submission materials does Eastern Special Risk typically request?Provide a short application or cover letter describing services, CVs or résumés for the experts, and current loss runs or a claims history summary if available. Additional documents may be requested based on the scope of services and prior exposure. Is this program available nationwide?The program is available in the states listed on the storefront. State availability can be confirmed at the time of submission; certain filings or state-specific requirements may affect placement. How do I get started with a submission?Send a summary of the expert’s services, CV, and any claims history to Eastern Special Risk Insurance Agency’s underwriting team. They will review eligibility and advise on next steps, terms, and any additional information needed for placement with Lexington Insurance Company. Need help placing an account? Connect with a market specialist. ...

Professional Liability Insurance Program from Ashley General Agency Ashley General Agency provides a flexible Professional Liability Insurance program to help agents and brokers place a wide range of professional risks in Texas. Our program is set up to handle accounts from solo practitioners to mid-size firms across specialized professions, with solutions that address errors & omissions, data exposures, and other professional service-related liabilities. Ideal Accounts and Appetite We write a broad spectrum of professional service classes, including harder-to-place and niche risks. Target classes include: Miscellaneous professional service providers (consultants, advisors) Independent medical professionals and small clinics Technology consultants, managed service providers, and software firms Architects and engineers Insurance agents and brokers Law firms and solo legal practitioners Businesses with exposures for data privacy and breach response For select classes we will consider combination forms that include both professional and general liability coverages. Example: If you represent a small IT consulting firm that handles client data and provides remote support, our Technology E&O plus Data Breach response options can help address both liability for professional errors and the costs associated with a privacy incident. Coverage Highlights and Advantages All policies are written on a claims-made basis with options tailored to the class of business. Available coverages include: Miscellaneous Professional Liability Miscellaneous Medical Liability Technology Errors & Omissions (Tech E&O) Architects & Engineers Professional Liability Data Breach and Cyber Incident Response Coverage Insurance Agents & Brokers E&O Lawyers Professional Liability Limits are available up to $5,000,000 to accommodate larger or more complex exposures. Underwriting Notes and Minimum Premiums Our underwriting approach is responsive and pragmatic. We work with a strong panel of non-admitted markets, including Markel, ACE, Admiral, and Underwriters at Lloyd’s, which helps us place accounts that may not fit admitted markets. Minimum premiums start at $500, offering an accessible entry point for smaller firms and individual professionals. Territories and Availability This Professional Liability Insurance program is available in Texas and is placed on a non-admitted (surplus lines) basis. Why Work With Ashley General Agency? As a Managing General Agency, Ashley General Agency combines specialty underwriting expertise with direct access to leading surplus lines carriers. We emphasize fast service, practical coverage solutions, and strong broker support—helping you place straightforward accounts quickly or develop tailored terms for more complex risks. Frequently Asked Questions What types of accounts are a good fit for this program?We’re a strong market for professional service firms such as consultants, IT providers, architects, engineers, lawyers, and insurance agents operating in Texas. Are combination policies available?Yes, for select classes we can consider combination forms that include both professional and general liability coverage. What is the minimum premium for this program?The minimum premium starts at $500, making it suitable for small businesses and individual professionals. Is this program admitted or non-admitted?The program is written on a non-admitted basis using carriers such as Markel, ACE, Admiral, and Lloyd’s underwriters. What is the coverage limit available?We offer coverage limits up to $5,000,000, depending on the class and underwriting criteria. Need help placing an account? Connect with a market specialist. ...

Overview — Capitol Special Risks: Professional Liability / Errors & Omissions Capitol Special Risks offers a wholesale program for Professional Liability (Errors & Omissions) coverage tailored for firms that provide professional services for a fee. As a wholesale broker with access to multiple admitted and non-admitted carriers, CSRisks helps independent agents place a wide range of professional classes with competitive turnaround and no broker fee. Ideal accounts and target classes This program is focused on small to mid-size professional firms and individual consultants. Typical appetites include (but are not limited to): Adjusters and claims administrators Benefit plan administrators / third-party administrators Bookkeepers, tax preparers and payroll services Collection agencies and credit bureaus Consultants of all types (business, IT, management) Electronic data processing / IT firms Employment and executive search agencies Freight managers and logistics consultants Interior decorators (non-structural), public relations firms, title agents, travel agents/tour operators, trustees Coverage highlights and advantages Broad E&O coverage forms tailored to professional exposures common in non-technical and administrative specialties. Access to multiple markets to achieve competitive pricing and tailored terms for differing risk profiles. Fast turnaround on submissions; underwriters experienced with small and mid-market professional accounts. No broker fee charged by Capitol Special Risks, which helps preserve competitive commission structures for retail agents. Ability to place admitted paper in some states as well as excess and surplus lines where appropriate. Underwriting notes and typical fit / restrictions Underwriters evaluate professional liability submissions based on the nature of services, size of firm, claims history, and risk controls. This program generally fits firms with clear scopes of engagement, documented procedures, and modest revenue or payroll levels. Accounts that often fit well include consultants, administrative service providers, bookkeeping/tax practices, and small IT vendors. Accounts with extensive design exposure, large professional staff counts, significant prior claims, or specialized high-severity professional exposures may require referrals or be outside typical appetite. Minimum premiums and terms vary by carrier and class; please see the Underwriting Checklist below when preparing submissions. Submission guidance Include a one-page summary of operations describing services provided, typical clients, and annual revenue. Provide prior acts and claims history for the past 5–10 years, depending on carrier request. Attach specimen contracts or engagement letters where available (these often affect coverage terms). Indicate desired limits, retention, and whether continuity of coverage or retroactive dates are required. Territories and admitted status Capitol Special Risks places business with multiple markets and has availability in the following 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... TN, TX, UT, VT, VA, WA, WV, WI, WY. Some admitted markets are available depending on state and class; non-admitted markets may be used where necessary to place coverage. Why work with Capitol Special Risks on E&O placements? Wholesale broker access to multiple E&O carriers—helps you secure competitive terms for diverse professional classes. Experienced underwriting team that understands common exposures for administrative, consulting, and technical service providers. Fast quote turnaround and no broker fee—streamlines the placement process for retail agents and their insureds. Example account scenarios Example 1: You have a small payroll and bookkeeping firm with $500K annual revenue and no prior claims. This program can offer customized E&O limits and favorable deductibles for that profile. Example 2: You represent a travel agency and tour operator that sells packages to consumers. The program can provide E&O coverage tailored to service errors, booking mistakes, and administrative mistakes that lead to customer losses. Contact Capitol Special Risks today for submission instructions and carrier appetite guidance. Fast turnaround and we never charge a broker fee! In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094 Frequently Asked Questions What types of accounts are the best fit for this Professional Liability program?The program is designed for small to mid-size professional service providers—consultants, bookkeepers/tax preparers, TPAs, collection agencies, IT/EDP firms, PR firms, travel agents, title agents and similar classes. Firms with clear scopes of work, modest revenue, and limited prior claims typically place most smoothly. Are admitted policies available or is this E&O placed only in the surplus market?Capitol Special Risks works with multiple markets and can place both admitted and non-admitted paper depending on state, class, and carrier appetite. Some admitted markets are available in the states listed; non-admitted capacity is used when needed for coverage or terms. What is the typical minimum premium and turnaround time for quotes?Minimum premiums vary by carrier and the insured’s class of business. Turnaround is generally quick for standard risks—submit a short operations summary, revenue, staffing, and any claims history to receive an initial indication. What submission documents should I include to speed up underwriting?Provide a one-page operations summary, current revenue and staff counts, prior professional liability claims history, and sample engagement contracts or client agreements when available. These items help underwriters assess scope of services and quote accurately. Need help placing an account? Connect with a market specialist.

Continental Risk offers Miscellaneous Professional Liability. Professional service firms face growing liability exposures even when they operate with care. In fact, 1 in 7 professional service providers will face a lawsuit this year. Continental Risk / Continental Marine Insurance Services provides a focused Miscellaneous Professional Liability (MPL) program to help your clients manage those risks with tailored E&O protection. Overview of the Program From Continental Risk As an experienced Excess & Surplus Lines broker, Continental Risk places MPL through a panel of flexible carriers. The program is designed for professionals and firms that do not fit neatly into standard errors & omissions classes. We offer tailored solutions for solo practitioners up to midsize firms and for non-traditional professional services that need meaningful professional liability limits and policy wording. Ideal Accounts and Appetite This MPL program fits a broad variety of professional service providers, including: Architects and engineers Business, management and technical consultants Employment, HR and benefits consultants Financial services providers (non-SEC registered advisory roles) Healthcare and wellness practitioners (non-physician roles) Information technology, software and SaaS firms Legal support services (non-attorney roles) Media, marketing and advertising professionals Real estate service providers Travel agents and tour operators Appetite notes: this program is specifically useful for unique or hard-to-place professions and hybrid operations that require E&O but fall outside typical class codes. Accounts generally considered are service-only exposures or mixed operations where the professional component is primary. Trades, heavy contractors, and risks with significant product liability or professional+general-liability conflation typically do not fit. Coverage Highlights and Advantages Policies available through Continental Risk include features that improve defense and claim handling: Duty to defend language available with certain carriers Custom definitions of “Professional Services” to match the insured’s operations Deductible credits for mediated or early-resolved claims Personal injury and reputation protection options Coverage for confidentiality breaches and administrative proceedings Subpoena compliance assistance and defense support E-professional services wording to cover digital and remote work Automatic coverage for newly acquired subsidiaries (subject to limits) Toll-free risk management hotline for insured support and pre-claim advice These features help your insureds manage exposures and respond to allegations of professional negligence or omission. Underwriting Notes and Minimum Premiums Continental Risk leverages multiple carrier relationships to match policy form and price to the risk. Underwriting is flexible: we review business models, revenue, claims history, controls, and contract wording. Most MPL policies in this program are written on a claims-made basis, although terms vary by carrier and account. Minimum premium starts at $750, depending on class, limits, and underwriting factors. Provide complete applications, current contracts, and any prior acts or claims information to expedite placement. Territories and Availability This MPL 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 vary by state and carrier—some admitted markets are available depending on the class of business. Why Work With Continental Risk Continental Risk / Continental Marine Insurance Services combines deep E&S market access with focused underwriting for professional liability. As a broker, we help you place complex, niche, and hard-to-place E&O accounts efficiently by matching contract-sensitive clients to carriers that will tailor form and limits. We also provide responsive quoting and placement support through binding and policy issuance. Example scenarios that place well in this program: you might have a digital marketing firm that needs E-professional services coverage for online campaign advice, or an HR consultant facing potential administrative proceeding exposures who requires defense for hearings and advice services. Both account types can often be placed through this MPL program with appropriate underwriting submission. Frequently Asked Questions What types of accounts are a good fit for this Miscellaneous Professional Liability program?This program is ideal for a wide variety of professional service providers, including consultants, media firms, IT professionals, real estate service providers, and other non-traditional professions that need E&O coverage. Is this program available nationwide?Yes, the MPL program is available in most U.S. states, including all major markets listed on this page. State availability and whether admitted or non-admitted coverage is offered depends on the carrier and class—please contact us for state-specific details. What is the minimum premium for this program?The minimum premium for eligible accounts typically starts at $750, depending on the class of business, limits requested, and risk profile. Are claims-made or occurrence policies offered?Most policies are written on a claims-made basis, which is standard for professional liability. Coverage terms can vary by carrier and account, so submit details if you require occurrence wording. Does the program include coverage for digital or online services?Yes, e-professional services coverage is included with many carriers in the panel, making this a strong option for clients delivering digital, remote, or SaaS-based professional services. 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. ...

It’s personal—and it’s serious. Professional Liability Insurance is essential for your clients who provide advice, services, or expertise to others. Often misunderstood or overlooked, this coverage becomes a top priority once your clients realize what’s truly at stake: their firm’s reputation, their employees’ livelihoods, and significant legal defense costs—even when a claim is baseless. Insential, Inc. offers access to a wide range of Professional Liability markets and understands the nuances involved in placing this sensitive coverage. As an experienced Excess & Surplus Lines Broker, Insential helps agents confidently assess exposures, identify potential gaps, and tailor coverage to meet the specific professional risks your clients face. Ideal Accounts and Appetite Insential provides solutions for a broad spectrum of professional classes, including but not limited to: Accountants Interior Decorators Advertising Agencies Law Firms Architects & Engineers Payroll Processing Services Consultants Property Managers Counseling Services Real Estate Agents & Brokers Debt Collection Services Recruitment Consultants Employment Agencies Social Services Freight Forwarders Student Blanket Graphic Design Tax Preparation / Bookkeeper Healthcare Professionals Third Party Administrators Insurance Agents & Brokers Trustees Insurance Consultants Whether your client is a solo consultant or a growing professional services firm, Insential can help you secure the right coverage to protect them from potential financial devastation stemming from professional errors, omissions, or allegations of negligence. Coverage Highlights and Advantages This program doesn’t just provide indemnity—it helps prevent claims and manage risk. Many policies include access to legal resources such as contract reviews and educational tools. Key optional coverages include: Defense Outside the Limits Aggregate Deductible First Dollar Defense Personal Injury Sublimit Bodily Injury & Property Damage Sublimit Many clients mistakenly believe their General Liability or BOP covers professional exposure. Insential helps you close those gaps with solutions tailored to high-risk areas often excluded from standard policies. Underwriting Notes and Minimum Premiums Application requirements vary depending on the class of business. Some risks may require supplemental questionnaires or detailed loss history. Minimum premiums vary and depend heavily on the applicant’s industry, services offered, and claims history. You might have a client who runs a small architectural firm or a startup advertising agency—these are ideal fits for Insential’s program. Even if they’ve never had a claim, the exposure is real, and Insential can help you build the right solution. Territories and Availability Insential’s Professional Liability Insurance program is available on a non-admitted basis in most states, with some admitted markets available. Coverage is accessible in all 50 states plus DC, including major markets such as CA, TX, NY, and FL. Why Work With Insential Insential brings strong relationships with a variety of carriers and underwriters, helping agents place hard-to-insure or niche professional risks. Their team understands the complexity of professional exposures and offers valuable guidance to help you match your client with the right coverage form and structure. From initial quotes to risk management tools and claims coordination, Insential supports you every step of the way. Partner with them to protect your clients’ reputations—and your own. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for professionals offering services or advice, including consultants, architects, law firms, real estate agents, and more. Is this Professional Liability coverage available in my state?Yes, Insential offers this program in all 50 states plus DC. Availability may vary between non-admitted and admitted markets. What coverage enhancements are available?Optional enhancements include Defense Outside the Limits, First Dollar Defense, Aggregate Deductibles, and sublimits for Bodily Injury and Personal Injury. How do I know if my client’s BOP or GL policy already covers these exposures?Most BOP or GL policies exclude professional services. Insential can help you review the existing coverage and identify potential gaps. What information is needed to get a quote?Depending on the class, you may need a completed application, details of services provided, prior claims history, and supplemental forms if applicable. 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. ...