Specialty Contractors Insurance Program from Cochrane & Company
Cochrane & Company offers a focused Specialty Contractors Insurance Program built for artisan and general contractors working in residential, commercial, or mixed-use construction. Backed by a carrier with an AM Best rating of A+ XV, this non-admitted program helps agents place contracting risks that may not fit standard admitted markets.
As a Managing General Agency with deep underwriting experience and access to multiple markets, Cochrane & Company gives agents responsive service, flexible coverage forms, and endorsements commonly required by project owners and general contractors.
Ideal Accounts and Appetite
The program targets a select set of contracting classes, including both artisan trades and small-to-mid-size general contractors. Typical classes we write include:
- Carpenters and framers
- Electricians and HVAC contractors
- Plumbers and mechanical contractors
- Concrete, masonry, and drywall contractors
- Small-to-mid-size general contractors who manage subcontractors
This is a non-admitted program, making it well suited for accounts that need underwriting flexibility or that fall outside admitted carrier guidelines. Accounts with high-hazard trades, poor loss history, or unusual operations may not fit—underwriters evaluate exposures on a case-by-case basis.
Coverage Highlights and Advantages
The Specialty Contractors Insurance Program emphasizes broad general liability protection with competitive limits and common construction endorsements that owners and GCs request. Key limits and coverages include:
- $2,000,000 General Aggregate
- $2,000,000 Products/Completed Operations Aggregate
- $2,000,000 Personal/Advertising Injury
- $2,000,000 Each Occurrence
- $100,000 Damage to Rented Premises
- $10,000 Medical Payments if contractually required; otherwise $1,000 maximum
Frequently available endorsements:
- Additional Insured — Owners, Lessees, or Contractors
- Completed Operations for qualifying projects
- Primary and Non-Contributory wording
- Waiver of Subrogation
- Blanket Additional Insured with primary and waiver wording available (flat $250)
- Designated Construction Project General Aggregate
Underwriting Notes and Minimum Premiums
Minimum premiums vary by class, scope of work, and state. Cochrane & Company underwriters work with agents to evaluate exposures and provide competitive quotes. For quicker turnaround, include the full contractor application, recent loss runs, and a description or scope of current projects with your submission.
Common restrictions: high-rise, heavy civil, oil/gas rig work, and some specialized design-build exposures may be outside appetite. Reach out to underwriters with details—many risks that look difficult in standard markets can be placed here with appropriate underwriting information.
Territories and Availability
This program is available in: AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY.
Why Work with Cochrane & Company?
Cochrane & Company brings decades of MGA experience placing niche and hard-to-place contractor risks. Agents gain access to knowledgeable underwriters, flexible non-admitted coverage forms, and fast response times aimed at helping you close business that needs tailored solutions.
Example scenarios that typically fit this program:
- A mid-size framing contractor expanding into light-commercial projects who needs completed operations and blanket additional insured endorsements to meet owner requirements.
- An HVAC subcontractor with several ongoing retrofit jobs requiring primary and non-contributory wording and a waiver of subrogation on owner contracts.
For more information about Cochrane & Company's Specialty Contractors Insurance Program, please contact us or visit our program page.