Ideal Accounts and Appetite
This program is built for businesses that own and operate their own vehicles as part of operations but do not engage in for-hire transport. Typical eligible classes include:
- Catering services
- Farms and dairies
- Household goods movers
- Wholesale and retail delivery
- Food delivery (non-pizza)
- Courier and mobile businesses
- Magazine and newspaper distributors
- Armored car operations
- Manufacturing and funeral services
- Vacuum trucks and street sweepers
- Contractors, cranes, and boom trucks
- Ready-mix operations (cement mixers, concrete pumpers)
Generally ineligible risks include any for-hire or revenue-generating transport units, hauling of hazardous or petroleum-based materials (except incidental quantities such as cleaners or batteries), pizza delivery, student drivers, triple trailers, risks that permit non-employee passengers, and specialized hauls such as mobile home, log, or biohazardous waste transportation.
Coverage Highlights and Advantages
Cochrane & Company offers comprehensive commercial auto solutions tailored to varied fleet needs. Key features include:
- Automobile liability limits up to $5 million
- Uninsured/underinsured motorist (UM/UIM), medical payments, and personal injury protection where available
- Physical damage (collision and comprehensive)
- Motor truck cargo coverage and inland marine options
- Hired auto and trailer interchange coverage
- Multi-line discounts when applicable
The program supports flexible reporting bases — mileage, gross receipts, per vehicle, or total insured value — so you can match premium reporting to the account. Real-time updates and multiple reporting options help manage premium audit and exposure changes during the policy term.
Underwriting Notes and Minimum Premiums
To submit a risk efficiently, have the following prepared:
- Loss runs for the current and prior three years
- Complete VINs for all power units
- A full driver roster
- Motor Vehicle Reports (MVRs) for all drivers
Minimum premiums vary by account size and class. All drivers must meet acceptable MVR standards for the program to qualify. Underwriters will consider fleet mix, radius of operation (up to the 300-mile program limit), and any specialized equipment when evaluating submission terms.
Territories and Availability
The Commercial Auto Insurance program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most available markets are non-admitted, giving additional flexibility for unique or hard-to-place risks.
Why Work With Cochrane & Company?
With decades of experience as an MGA and E&S broker, Cochrane & Company combines deep underwriting expertise with access to multiple carrier markets. That means you can place accounts that may not fit standard admitted markets and benefit from hands-on underwriting guidance and responsive service.
Examples of good fits: you might have a local milk distributor needing coverage for a small fleet of delivery trucks operating within the region, or a contractor who requires liability and physical damage coverage for a boom truck used on short-haul jobs. Cochrane’s team can help structure coverage and reporting to match those operational exposures quickly and efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this Commercial Auto program?
Businesses that operate their own vehicles within a 300-mile radius—such as farms, contractors, non-pizza food delivery, and mobile service providers—are ideal candidates.
Are for-hire or revenue-generating vehicles eligible?
No. This program is for not-for-hire business vehicles. For-hire transport units should be referred to Cochrane & Company’s trucking operations program.
What information is required to submit a risk?
Agents should provide loss runs for the current and prior three years, full VINs, a complete driver list, and acceptable MVRs for all drivers.
Is coverage available for businesses hauling hazardous or petroleum-based materials?
No. Hauling hazardous or petroleum-based materials is ineligible under this program, except for incidental quantities (for example, cleaners or batteries). Petroleum marketers may qualify under Cochrane’s dedicated petroleum marketer program.
What states is the program available in?
This Commercial Auto Insurance program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY.
Need help placing an account? Connect with a market specialist.