Comprehensive Coverage and Superior Service

At McGowan Insurance Agency we care about getting you the insurance coverage you need.

About UsGet a Quote

  Get Your Insurance Quote

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Auto Insurance
Home Insurance
Life
Insurance
Workers’ Compensation
Veterinary Insurance
Contractor Insurance
About Our Agency - Team of McGowan Insurance Agency
The Advantage
Of an Independent Agency Working for You
  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

McGowan Insurance Agency - Icon

McGowan Insurance Agency

Learn more about our agency.

Since 1991, McGowan Insurance Agency has proudly served customers throughout Pennsylvania and Maryland, helping them to find the right insurance for their needs. We are dedicated to helping each and every one of our clients because we care about you and what’s important to you. That’s why we offer comprehensive reviews of your insurance to help make sure you have the coverage you need.

As a locally-operated and family-owned business, we know what it takes to bring you great service and quality coverage, and we understand how to tackle the unique risks you face. Our goal is to bring you peace of mind. When you work with us, you can trust you’re working with experienced agents who care about you.

About Our Agency

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what McGowan Insurance Agency does best.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Learn More

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Learn More

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Learn More

Real clients. Real reviews. Real coverage.

They have been my insurance agency for 19 years and have never given me a reason to switch. Great price that can’t be beat and great service.”

– Derrick K.
Read More Reviews
Read Our Facebook Reviews
Read Our Google Reviews

EIG-Reverse-Logo-White

McGowan Insurance Agency + Erie Insurance

We strive to uphold Erie Insurance’s long-standing commitment to service.

Start ERIE Quote

McGowan Insurance Agency - Icon

What Makes McGowan Insurance Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

Community Focused

We give back to our community and get involved with local charities.

Clients Come First

We go the extra mile to exceed your expectations, no matter what you need.

Experienced Agents

With 30+ years in business, we know what it takes to bring you quality coverage.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Work Safety

Pre-Hire Physical

Risk Factor

Are you about to hire your next workers' compensation claim? In an effort to get a position filled quickly, you may take shortcuts that could cost you thousands of dollars.

Solution

Prospective employees should be required to complete a pre-hire physical. A copy of the intended job description can then be given to the medical provider with the physical requirements of the position. This helps to ensure only those capable of doing the job are hired and keeps other employees safe.

Education and Injury Reporting

Risk Factor

Oftentimes employees don’t understand the workers' compensation process and may be afraid to report a claim for fear of losing their job or impacting a daily count of injury-free days that are tied to an incentive program.

Solution

Educate employees on the workers' compensation system. During the hiring process, consider explaining how workers' compensation coverage protects your employee when an injury occurs. Your employees should understand that it is their responsibility to report an injury immediately and follow the company’s guidelines for seeking medical attention. Explain your return to work policy and have your employees sign an agreement stating they understand the process.

Communication

Risk Factor

Your employee may become injured and you might be tempted to rely on someone else to communicate with them. As a result, your employee may be confused by the workers' compensation process and unsure where to turn.

Solution

You and your supervisors need to stay in constant communication with your employees. Your insurance broker can provide some coaching and guidance throughout the process. Above all, your employees should feel that you care about their injuries and that you will be involved in helping them recover. Your direct supervisors play a key role in this process and should be trained to effectively communicate with your employees throughout the injury.

Return to Work Program

Risk Factor

When your employees become injured, they may need time to recover. As an employer, you may be tempted to rely solely on the workers' compensation insurance company and/or your employee’s medical provider to communicate throughout the process. If you do, the process can become unnecessarily prolonged.

Solution

As the employer, let your insurance company and your employee’s medical provider know that you have a return to work program in place. Ask the medical provider to refer to the job description that has been provided for the injured employee. As soon as the employee is medically cleared, offer a light duty position and ask them to report to work. If needed, your employee can continue to receive treatment while they continue to recover.

Payroll Audits and EMR

Risk Factor

Statistically, your company’s Experience Modification Rate (EMR) has more than a 70% chance of being incorrect. Your EMR is a number used by insurance companies to gauge any past cost of injuries and future chances of risk. In addition, over 80% of payroll audits are done incorrectly. Both factors impact your workers' compensation coverage.

Solution

Trust your insurance advisor and have them assist and advocate during the annual payroll audit conducted by the insurance company. Your agent should also monitor all claims, but especially claims reserved over a $10,000 threshold. Larger claims should have a quarterly report prepared by your insurance agent to let you know the status of the claim. Your agent should work with your insurance company’s claims adjustor to close any claims as quickly as possible.

Medical Provider Communication

Risk Factor

Claims can remain open longer than needed due to poor communication between you and your employee’s medical provider. As a result, you may be unaware that your employee is well enough to return to work on a modified basis.

Solution

Get to know the doctors that are helping your employee heal. Your insurance broker should foster this relationship by assisting you in the selection of the medical provider prior to a claim. Meet with the medical provider, interview them, tour their facilities, ask them to tour your location, and explain your return to work program. Job descriptions can be provided to the medical provider and an agreement of services can be achieved. Once a claim takes place, a clear line of communication should be established so you are kept aware of your employee’s status.

Safety Training

Risk Factor

Sometimes employees are trained to do a job well, but are not trained to do their job safely. Many work-related injuries can be avoided by effective training.

Solution

Your insurance broker should be able to organize monthly training classes. Many insurance carriers offer training tools at no charge and your broker can help you utilize these tools to your advantage. For example, topics such as proper lifting techniques can be critical for many job functions. Also, using tools like payroll stuffers can be very effective.

OSHA Inspections

Risk Factor

Many employers are concerned about their next OSHA visit. Worried about citations and fines, employers see OSHA as the enemy. Sound familiar?

Solution

OSHA's On-site Consultation Program offers free and confidential safety and occupational health advice to small and medium-sized businesses in all states across the country, with priority given to high-hazard worksites. On-site Consultation services are separate from enforcement and do not result in penalties or citations. Consultants from state agencies or universities work with employers to identify workplace hazards, provide advice on compliance with OSHA standards, and assist in establishing injury and illness prevention programs.

Workers’ Compensation Insurance 101

Make sure you cover the unique risks you face with workers’ compensation insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for auto insurance, home insurance, and life insurance.

McGowan Insurance Agency - Logo 800

Manage Your Account Now

How can McGowan Insurance Agency help?

24/7 Client Center
Report a Claim

Get support in filing your claim.

Policy Change

Fine tune your policy options.

Request Certificate

Get proof of your insurance quickly.

Auto ID Card

Lose your card? Get a new one.

Pay Bill

Make payments securely online.

Policy Review

Compare your coverage with your current needs.

  Contact McGowan Insurance Agency

As an independent agency, we are here to help you find the right coverage.

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Quarryville, PA

13 South Lime Street
Quarryville, PA 17566

We serve all of PA and MD, including the Southern Lancaster region in cities like Lancaster, PA, Willow Street, PA, Oxford, PA, Coatesville, PA, and Cochranville, PA.

Contact Us