Overview of the Program From Cochrane & Company
Cochrane & Company offers a flexible and competitive General Contractors Insurance program designed to serve both new ventures and established contractors. As a Managing General Agency with access to multiple markets, Cochrane provides broad underwriting capabilities and a responsive service team to help agents succeed in placing hard-to-fit or complex construction accounts.
Ideal Accounts and Appetite
This program is ideal for:
- General contractors who subcontract up to 100% of their work
- Residential home builders and remodelers
- Commercial construction operations
- New ventures entering the general contracting business
- Accounts with gross receipts up to $3,000,000 annually
- Contractors performing exterior work up to four stories in height
You might have a client who specializes in residential builds but occasionally takes on small commercial renovations—this program can flex to fit both. Or, if you're helping a newly licensed general contractor get insured, Cochrane & Company welcomes new ventures with no prior coverage history.
Coverage Highlights and Advantages
This program offers robust coverage features that address real-world exposures faced by general contractors, such as:
This coverage is designed to protect your clients from common contractor liabilities—whether it’s water damage caused by a worker hitting a pipe or a slip-and-fall incident involving job site debris.
Underwriting Notes and Minimum Premiums
Cochrane & Company offers competitive pricing with additional rate credits available for accounts exhibiting favorable risk characteristics. Minimum premium requirements vary by account and state. The program is non-admitted and written through a variety of carrier partners, allowing for flexibility in underwriting and pricing.
Territories and Availability
This General Contractors Insurance program is available in the following states: AK, CA, ID, MT, NM, ND, OR, UT, WA, and WY. Agents operating in these regions can leverage Cochrane’s market access and construction expertise to find solutions for their contractor clients.
Why Work With Cochrane & Company
With decades of experience in specialty insurance and a strong focus on the construction sector, Cochrane & Company is a trusted partner for agents seeking responsive underwriting, market access, and tailored solutions. Their broad eligibility criteria and willingness to consider new ventures make them an ideal partner for agents looking to place both standard and non-standard general contractor accounts.
Questions about General Contractors Insurance? Please contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for residential and commercial general contractors, including those who subcontract 100% of their work or are new to the business.
Is this program available for new ventures?
Yes, Cochrane & Company welcomes new ventures with no prior insurance history, provided they meet the underwriting criteria.
Are subcontractors required to name the insured as an additional insured?
No, subcontractors are not required to name your insured as an additional insured or carry equal limits under this program.
What states is this program offered in?
The program is available in AK, CA, ID, MT, NM, ND, OR, UT, WA, and WY.
What is the minimum premium for this program?
Minimum premiums vary based on the account and state. Contact Cochrane & Company for specific underwriting details.
Need help placing an account? Connect with a market specialist.