Are you currently shopping for shop coverage? Cochrane & Company can provide your store's Mercantile Insurance. From antique stores to video stores, we have your Mercantile Insurance coverage needs covered.
Mercantile Insurance Program from Cochrane & Company
Cochrane & Company offers a flexible and comprehensive Mercantile Insurance program designed specifically for retail risks. As a trusted Managing General Agency (MGA), we provide appointed agents with access to competitive markets and tailored coverage solutions for a wide range of retail businesses. Whether your clients operate a corner convenience store or a specialty antique shop, our program is built to address their unique exposures.
Ideal Accounts and Appetite
We welcome a broad spectrum of retail classes under our Mercantile Insurance program. Targeted business types include:
- Convenience Stores
- Pawn Shops
- Antique Stores
- Sporting Goods Stores
- Beverage Retailers
- Video and Media Stores
- And many more specialty retailers
If you have a client operating a small-town pawn shop or a high-traffic beverage store, our program is geared to accommodate these types of risks with ease. We are especially well-suited for stores seeking broad property and liability protection with flexible underwriting.
Coverage Highlights and Advantages
Our Mercantile Insurance program offers a robust package of property and general liability coverages, making it easy for agents to secure complete protection for their retail clients.
Property Coverage Features
- Basic, Broad, or Special Form options (theft coverage available with central station alarm)
- Property Extension Endorsements for added flexibility
- Convenient chart-based rating system for efficiency
General Liability Limits
- Up to $5 million general aggregate
- Products/completed operations aggregate included
- $5 million personal and advertising injury
- $5 million per occurrence
- $100,000 damage to rented premises
- $1,000 medical payments
- Silent Assault or Battery coverage included
- No liability deductible
Underwriting Notes and Minimum Premiums
Each submission is individually underwritten, and minimum premiums vary depending on risk characteristics and location. Our team works closely with agents to identify the best market fit and streamline the quoting process. We recommend submitting complete applications, including property protection details like alarm systems, to help secure the most favorable terms.
Territories and Availability
This program is available on a non-admitted basis in the following states:
- Alaska (AK)
- California (CA)
- Idaho (ID)
- Montana (MT)
- Nevada (NV)
- New Mexico (NM)
- North Dakota (ND)
- Oregon (OR)
- Utah (UT)
- Washington (WA)
- Wyoming (WY)
Because this is a non-admitted program, it offers flexible solutions for unique or hard-to-place retail accounts that may not fit standard markets.
Why Work With Cochrane & Company?
Cochrane & Company brings decades of experience as a Managing General Agency and provides agents with access to specialty markets and responsive underwriting for niche classes like mercantile risks. We pride ourselves on our ability to write retail accounts that require custom solutions and fast turnaround times. Our depth of carrier relationships and regional expertise make us a reliable partner for agents throughout the Western United States.
For more information regarding Mercantile Insurance, please do feel free to contact us!
Frequently Asked Questions
What types of accounts are a good fit for Cochrane & Company’s Mercantile Insurance program?
This program is ideal for small to mid-sized retail businesses such as convenience stores, antique shops, pawn stores, beverage retailers, and other specialty merchants.
Is this program available on an admitted basis?
No, this Mercantile Insurance program is written on a non-admitted basis in the states where it is available.
What states is the Mercantile Insurance program offered in?
The program is available in AK, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY.
Are there minimum premium requirements?
Minimum premiums vary based on the type and size of the risk. Contact our team with specific account details for a quote.
What coverages are included in the general liability section?
General liability includes up to $5 million in limits, with coverage for personal/advertising injury, products/completed operations, damage to rented premises, and more.
Need help placing an account? Connect with a market specialist.