The McGowan Companies
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
McGowan is a U.S. wholesale/program organization operating through multiple specialty subsidiaries. For the verified Workers’ Compensation line, McGowan Program Administrators states a broad underwriting appetite for complex, sophisticated, and challenging risks across numerous industries, with direct prompts to contact the workers’ comp underwriting team and request the application/brochure from the product page. No class-by-class preferred or declined list was published on the verified workers’ comp page, so restrictions/declinations are not specifically stated there. For Cyber Liability, McGowan’s official sales and subsidiary pages show cyber is written through McGowan Professional / McGowan Financial Lines rather than the programs site; the public-facing cyber material emphasizes businesses that handle sensitive client information, especially financial-service-oriented firms, and the posted cyber application/questionnaire indicates underwriting attention to website/email domains, industry, revenue, employee count, prior 3-year cyber incidents/claims, and controls such as MFA on email/remote access plus encrypted/off-site/cloud backups. The posted cyber forms also flag sensitivity to certain exposures including adult content, cryptocurrency/blockchain, gambling, and MSP/MSSP or remote network administration operations, which should be treated as classes needing additional underwriting review. Geographic notes: McGowan markets nationally through regional sales managers covering all U.S. states and describes nationwide broker distribution; no state-specific workers’ comp or cyber territory restrictions were found on the verified pages reviewed. Submission requirements / broker notes: McGowan uses an open-brokerage model with no premium or volume commitment, but retail brokers must carry at least $1M E&O and complete onboarding before becoming fully enrolled. Required producer onboarding items include E&O dec page, agency license, W-9, executed brokerage agreement, and broker appointment packet. Operationally, submitters should route workers’ comp through McGowan Program Administrators and cyber through McGowan Professional / McGowan Financial Lines, with complete applications and supporting underwriting details up front because public materials show emphasis on risk controls, prior loss history, and detailed insured operations.