Ideal Accounts and Appetite
This program is ideal for businesses that own and operate their own vehicles as part of their operations but do not engage in for-hire transport. Eligible risks 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)
Ineligible exposures include any for-hire or revenue-generating transport units, hazardous or petroleum-based materials (except incidental), pizza delivery, student drivers, triple trailers, and risks that allow non-employee passengers or involve mobile home, log, or biohazardous waste hauling.
Coverage Highlights and Advantages
Cochrane & Company provides comprehensive coverage options tailored to the diverse needs of commercial auto clients. Available features include:
- Automobile liability limits up to $5 million
- Uninsured/Underinsured motorists, medical payments, and personal injury protection
- Physical damage coverage
- Motor truck cargo coverage
- Multi-line discounts where applicable
Flexible reporting capabilities allow agents to select from multiple reporting bases, including mileage, gross receipts, per vehicle, and total insured value, with real-time updates. Coverage lines include commercial auto liability, physical damage, hired auto, trailer interchange, and inland marine motor truck cargo.
Underwriting Notes and Minimum Premiums
To submit a risk, agents should be prepared to provide:
- Loss information for the current and previous three years
- Complete VINs for all power units
- A full driver list
- Motor Vehicle Reports (MVRs) for all drivers
Minimum premiums vary depending on the nature and size of the account. All drivers must have acceptable MVRs to qualify.
Territories and Availability
This program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most markets are non-admitted, providing greater 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 delivers industry-specific expertise and responsive service. Agents benefit from access to multiple carriers, robust underwriting knowledge, and a commitment to helping you place accounts that may not fit standard markets.
Whether your client is a local milk distributor or a contractor needing coverage for a boom truck, Cochrane & Company can help you find the right solution 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, food delivery (excluding pizza), and mobile service providers, are ideal candidates.
Are for-hire or revenue-generating vehicles eligible?
No, this program is designed 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 must 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, these are ineligible under this program. However, incidental hazardous materials (e.g., cleaners, batteries) are acceptable, and petroleum risks may qualify for Cochrane’s 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.