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Golf carts are no longer limited to the greens—they're now common in neighborhoods, airports, senior communities, college campuses, resorts, hospitals, and more. As their usage expands, so do the risks. With speeds up to 25 mph and often lacking safety features, golf carts can cause serious bodily injury or property damage. That's why insurance coverage tailored to this exposure is essential. Golf Cart Insurance Program from Prime Insurance Company Prime Insurance Company offers a flexible and comprehensive Golf Cart Insurance program designed to meet the growing demand for coverage in both personal and business uses of golf carts. Whether your insured is a homeowner renting out a property with a cart, or a business offering cart rentals or branded transportation services, Prime has solutions to help you write the business. Ideal Accounts and Appetite This program is well-suited for a variety of risks, including: • Homeowners or landlords who provide golf carts for guest use • Golf cart rental companies operating at beaches, resorts, or event venues • Businesses using golf carts for promotional or shuttle services (e.g., bar-to-bar or restaurant-to-parking lot transport) • Property owners in communities where golf carts are a common mode of transportation Prime welcomes both standard and hard-to-place risks. Many property owners may not realize that their homeowners or commercial general liability policies do not cover golf cart exposures. That's where this specialty program comes in. Coverage Highlights and Advantages Prime takes an all-in-one approach to recreational and utility vehicles, offering coverage for: • Golf Carts • Golf Cart Rentals • Golf Cart Equipment • ATVs • Personal Watercraft Coverage can be customized to meet the unique needs of your client. Liability, physical damage, and equipment coverage options are available, and Prime works closely with agents and brokers to develop solutions that fit each account. Underwriting Notes and Minimum Premiums Prime underwrites each submission individually and provides flexible solutions based on risk characteristics. While minimum premiums vary by state and exposure, agents can expect competitive pricing and responsive service. Territories and Availability This program is available in most states across the U.S., including but not limited to: CA, FL, TX, NY, GA, AZ, CO, and many others. Admitted coverage is available in select states, with non-admitted options offered where needed. Why Work With Prime Insurance Company? As a carrier with expertise in specialty risks, Prime Insurance Company offers a hands-on underwriting approach and a willingness to write tough classes that many others decline. You’ll benefit from: Direct access to underwriters who understand niche exposures Customized policy options for unique risks Coverage solutions for both personal and commercial use Fast quote turnaround and excellent service Let Prime help you place your next golf cart risk—whether it's a private homeowner or a commercial rental fleet. For more information, visit our company profile or explore the Golf Cart Insurance program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits homeowners, landlords, rental companies, and businesses using golf carts for transportation or advertising purposes. Does a standard homeowners or general liability policy cover golf carts?In most cases, no. Standard policies often exclude golf cart exposures, especially when used off-premises or for commercial purposes. Can I submit risks with prior claims or unusual usage?Yes, Prime considers both standard and hard-to-place risks, including those with prior losses or unique operational needs. Is this program available in all states?The program is available in most U.S. states, with admitted coverage in select states and non-admitted options where necessary. What types of vehicles are covered under this program?The program covers golf carts, golf cart rentals, golf cart equipment, ATVs, and personal watercraft. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a tailored Push Cart Insurance program designed specifically for mobile vendors operating with push carts, kiosks, temporary booths, and tables. This program provides a flexible insurance solution for vendors selling food, beverages, merchandise, or offering services in high-traffic pedestrian areas, at events, or in temporary marketplaces. Ideal Accounts and Appetite This program is ideal for insureds who operate: Food and beverage push carts (hot dogs, ice cream, coffee, etc.) Retail carts selling clothing, accessories, or handmade goods Temporary booths at fairs, festivals, and farmers markets Kiosks in malls or public spaces Accounts with limited or no permanent structure, minimal cooking exposures (or controlled cooking methods), and operations conducted in public or semi-public venues are strong candidates. This program is not intended for permanent brick-and-mortar businesses or vendors with high-hazard operations. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits up to $3,000,000 Occurrence / Aggregate Liquor Liability available for qualifying risks Additional Insureds—Included at no extra cost $5,000 Medical Payments—Included Excess or Umbrella limits up to $25,000,000 Property Coverage Options: Basic, Broad, or Special Form Coverage for Buildings (if applicable) Business Income protection Contents and Equipment Breakdown Inland Marine coverage for mobile equipment and inventory Replacement Cost or Actual Cash Value Scheduled Property Floater available Whether your client sets up at local farmers markets or manages multiple vending locations, this program can help protect their assets and operations with tailored limits and coverage forms. Underwriting Notes Colonial General works with a variety of carriers to provide flexible solutions, including access to both admitted and non-admitted markets, depending on state and risk profile. Underwriting is focused on clean operations with well-defined hours, safety protocols, and limited exposure to high-risk cooking methods or hazardous products. Contact Colonial General for specific underwriting guidelines and risk eligibility. Territories and Availability This Push Cart Insurance program is currently available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General Insurance Agency, Inc. has the niche expertise and carrier relationships to help you place hard-to-insure or mobile business accounts. Their experienced underwriting team understands the unique exposures faced by push cart and kiosk operators, and they provide responsive support with competitive market access across the western U.S. Whether you’re placing a seasonal ice cream cart in Utah or a retail kiosk in a California shopping center, Colonial General can help you secure the coverage your clients need to operate with confidence. Frequently Asked Questions What types of accounts are a good fit for this Push Cart Insurance program?This program is ideal for mobile vendors using carts, kiosks, or booths to sell food, beverages, merchandise, or services in public or temporary locations. Does the program cover food vendors with cooking equipment?Limited cooking exposures may be acceptable, depending on the method and controls in place. Open flame or deep-frying operations may be restricted. Contact underwriting for specifics. Is liquor liability available under this program?Yes, liquor liability coverage is available for qualifying risks, such as vendors selling alcoholic beverages at permitted events. Can this program provide coverage in multiple states?Yes, coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Colonial General can help place risks across these western states. Are additional insured endorsements included?Yes, additional insureds are included at no extra cost, which is especially helpful for vendors participating in events or renting space from municipalities or private venues. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a Flea Market Vendor Insurance program designed for agents placing vendors who operate in temporary or mobile retail environments. Whether a client sells from a pushcart, kiosk, table, or temporary booth, this program provides flexible coverage options through a range of admitted and non-admitted markets to fit seasonal and mobile operations. Ideal Accounts and Appetite This program is a fit for independent vendors selling merchandise, crafts, collectibles, or prepared food at flea markets, swap meets, seasonal events, pop-up venues, and similar locations. It addresses common exposures such as customer injuries, property damage, and product-related claims with tailored coverage options designed for short-term and mobile setups. Target accounts include: Mobile vendors operating push carts, food carts, or kiosks Temporary booth operators at flea markets, farmer’s markets, and pop-up events Vendors selling general merchandise, apparel, handmade goods, collectibles, or food items Accounts with high-hazard operations—such as amusement rides, large-scale food processing, fireworks, or heavy manufacturing—typically fall outside the program’s appetite. Coverage Highlights and Advantages Commercial General Liability Primary limits up to $3,000,000 (Occurrence / Aggregate) Liquor Liability available for eligible vendors Additional Insureds included at no extra charge to meet venue or event requirements $5,000 Medical Payments included Excess or Umbrella liability available with limits up to $25,000,000 Property Coverage Options Basic, Broad, or Special form coverage Options for Buildings, Contents, and Business Income Equipment Breakdown and Inland Marine available for mobile equipment and stock-in-transit Replacement Cost or Actual Cash Value valuation Scheduled Property Floater available for mobile equipment, displays, and inventory Underwriting Notes and Minimum Premiums Colonial General places flea market vendor business with a variety of carriers to provide flexible underwriting. Minimum premiums and program availability vary by market and by the risk’s characteristics. Submissions should include a completed application plus a clear description of the vendor’s operations, products sold, frequency and locations of events, and any food-handling practices. Territories and Availability This Flea Market Vendor Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Both admitted and non-admitted market options are accessible depending on the state, carrier, and specific risk profile. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides agents with marketplace access and underwriting expertise for niche commercial programs. Their distribution and carrier relationships help place hard-to-bind or non-standard vendor accounts efficiently. The program’s flexibility—additional insureds at no cost, inland marine for mobile stock, and liquor liability options—makes it practical for agents working with seasonal and mobile vendors. Example scenarios that fit well: You might have a client who sells handmade jewelry at weekend markets across multiple states; scheduled floater and inland marine can protect inventory while in transit. A small food-vendor operating a pushcart at farmers' markets may need short-term liability with optional liquor liability for certain events and business income if a covered shutdown occurs. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best for vendors operating at flea markets, swap meets, farmers' markets, and temporary events—especially those using kiosks, carts, or booths to sell general merchandise, crafts, or food. Is Liquor Liability coverage available?Yes. Liquor Liability is available for eligible vendors when alcohol service or sales are part of the operation and the carrier appetite allows it. Are Additional Insureds included in the policy?Yes. Additional Insured status is included at no extra cost, which helps agents meet venue, promoter, or landlord insurance requirements. Can I access this program in multiple states?Yes. The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY, with both admitted and non-admitted options depending on the specific market and risk. What documents are needed for a submission?Provide a completed application, detailed description of operations, list of products sold, typical event locations and schedules, and any food-handling procedures. Photos of the setup and a schedule of valued property are helpful when requesting inland marine or scheduled floater coverage. Need help placing an account? Connect with a market specialist.

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Weddings are major life events—and they carry meaningful financial risk. When a vendor cancels, a venue double-books, or a key service fails to show, your clients can face significant losses. R.V. Nuccio & Associates, Inc. distributes the Wedsure Wedding Insurance program, giving agents and brokers a flexible, a la carte solution to protect clients’ events. Rather than forcing preset packages, Wedsure lets you build coverage tailored to each couple’s specific exposures. Ideal Accounts and Appetite This program fits individuals planning weddings or civil ceremonies of any size—local ceremonies, large receptions, and destination weddings. It’s a good option when clients need protection for vendor non-performance, lost deposits, or liability exposures at private or public venues. Typical fits include historic sites with strict certificate requirements, outdoor ceremonies exposed to weather, and clients who want standalone protection for photography, jewelry, or gifts. Coverage Highlights and Advantages Wedsure separates nine common wedding coverages so couples only buy what they need. You can mix and match options instead of paying for bundled features. Coverage choices include: Personal Liability (includes Host Liquor Liability; Medical Payments optional) Cancellation/Postponement (including Additional Expense; Change of Heart optional) Loss or theft of Gifts Jewelry protection Loss of Deposits Photographs and Video coverage Professional Counseling Rented Property protection Special Attire coverage This modular approach helps keep premium aligned with event budgets while covering the exposures that matter most. Policies can be written for both weddings and civil ceremonies. Underwriting Notes and Minimum Premiums Underwriting is straightforward and designed for quick quoting and binding. Minimum premiums vary depending on the selected coverages and event details. Where applicable, policies are placed on an admitted basis to provide compliance and broader market access. Territories and Availability The Wedding Insurance program is available in all 50 states and Washington, D.C., allowing you to serve clients nationwide. Why Work With R.V. Nuccio & Associates, Inc. R.V. Nuccio & Associates, Inc. is a Managing General Agency with deep experience in special event insurance. Agents benefit from their streamlined quoting platform, responsive service, and the ability to offer highly customizable coverage through Wedsure. Whether you place a few wedding risks a year or handle them regularly, Nuccio’s market access and program flexibility make it easy to find an appropriate solution for most client scenarios. Learn more at http://wedsure.com/. Call us at 1-800-ENGAGED. Frequently Asked Questions What types of accounts are a good fit for this program?Individuals planning weddings or civil ceremonies who want protection from vendor issues, cancellations, property loss, or on-site liability are a strong fit for Wedsure. Can clients purchase only the coverages they need?Yes. Wedsure offers nine coverages on an a la carte basis so clients can choose specific protections—such as jewelry, photographs, or loss of deposits—without buying unnecessary extras. Is the coverage available in all states?Yes. The program is available in all 50 states and Washington, D.C., and is written on an admitted basis where applicable. What is the underwriting process like?Quoting and binding are designed to be efficient. Minimum premiums vary based on event size and selected coverages; most risks can be placed quickly through R.V. Nuccio’s platform. What sets R.V. Nuccio & Associates, Inc. apart?Their focus on special event insurance, flexible a la carte coverages, and responsive MGA support help agents place wedding-related risks with confidence. Need help placing an account? Connect with a market specialist.

Some valuables belong outside the safe-deposit box. Cochrane & Company’s Personal Inland Marine Insurance program offers tailored protection for high-value personal property that standard homeowners policies may limit or exclude. Overview of the Program From Cochrane & Company Cochrane & Company, a trusted Managing General Agency, offers a flexible and robust Personal Inland Marine Insurance program designed for agents and brokers looking to place individual high-value items that require broader coverage than what is typically available under a homeowners policy. Whether you're working with clients who own rare collectibles, luxury jewelry, or recreational equipment, this program offers a market solution that’s accessible and competitive. Ideal Accounts and Appetite This program is ideal for insureds with valuable personal property that needs to be scheduled or specifically protected. Examples include: Private collectors of fine art, coins, or stamps Musicians with professional-grade instruments Recreational enthusiasts with golf carts or sporting equipment Clients storing belongings in mini-storage units Owners of high-value jewelry, furs, or firearms You might have a client who owns a vintage guitar collection or someone who keeps a valuable coin collection in a storage facility—this program can help you place that account with confidence. Coverage Highlights and Advantages Cochrane & Company's Personal Inland Marine policy offers competitive and flexible coverage options tailored to niche property exposures: All Risk coverage available for most classes Limited or Broad Form options for musical instruments Breakage coverage available for fine arts Named Perils and Burglary coverage for mini-storage contents The program can accommodate a wide range of item types, including: Jewelry and Furs Fine Arts Guns Golf Equipment and Golf Carts Motorized Ground Maintenance Vehicles Cameras Stamp and Coin Collections Mini-storage unit contents Silverware Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the item class, value, and coverage type. The program is written on a non-admitted basis, allowing for customized terms and broader flexibility in underwriting. Submissions are reviewed case-by-case, and Cochrane & Company works closely with agents to help secure coverage for hard-to-place or unique personal property. Territories and Availability This Personal Inland Marine program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Why Work With Cochrane & Company? With decades of experience as a Managing General Agency, Cochrane & Company provides agents and brokers with access to specialized markets and responsive underwriting support. If you're struggling to place personal property that falls outside the comfort zone of your standard markets, Cochrane & Company can be your go-to partner. Their ability to write niche and non-standard risks makes them a valuable resource for inland marine coverage. For more information on our Personal Inland Marine Insurance, please feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for insureds with high-value personal property such as jewelry, fine art, collectibles, musical instruments, or contents in mini-storage units. Can this program cover items stored outside the home?Yes, coverage is available for contents located in mini-storage facilities, with options like Named Perils and Burglary protection. Is this program available in all states?No, it is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Does the program offer All Risk coverage?Yes, All Risk coverage is available for most classes, with some limitations depending on the specific item. What is the minimum premium for this coverage?Minimum premiums vary based on the class of item and coverage needed. Contact Cochrane & Company for underwriting guidance. Need help placing an account? Connect with a market specialist.

Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program tailored for a wide range of auto-related businesses. This program is designed for independent insurance agents and brokers looking to place business in challenging or niche garage-related classes across ID, NV, and WA. Ideal Accounts and Target Classes Whether your client operates a repair facility, runs a car wash, or manages a used auto dealership, this program can help you secure the right coverage. Ck Specialty is particularly strong in placing accounts that fall outside the standard market appetite. Eligible classes include, but are not limited to: Auto Dealers – New, Used, Wholesale, and Internet-based Auto Maintenance, Repair, and Body Shops Recreational Vehicle and Motorcycle Sales & Repair Antique and Classic Auto Restoration Mobile Repair Units and Roadside Assistance Providers Valet Parking Services Auto Glass, Tinting, Upholstery, and Vehicle Wrap Services Salvage Yards, Dismantlers, and Utility Trailer Repair Heavy Truck Sales and Repair If you have a client who runs a golf cart repair business or a tire shop offering roadside services, this program could be a great fit, especially if they’ve had difficulty finding coverage through admitted markets. Coverage Highlights Coverages included but not limited to: Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insured, Broadened Coverages, and Property. Limits Available include: Up to $1 million / $3 million Liability; Up to $1,000,000 Garagekeepers coverage. Underwriting Guidelines and Minimum Premiums This is a non-admitted program written through various carriers, giving Ck Specialty the flexibility to find solutions for more complex risks. Minimum premiums start at $750 or $1,000 for package policies, depending on the class and exposures. Ck Specialty evaluates risk based on operations, location, prior losses, and safety protocols. Businesses with mobile operations, salvage activities, or heavy truck exposures are welcome to submit for consideration. Territories and Availability This program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions from these states are welcomed and reviewed on a case-by-case basis. Why Work With Ck Specialty Founded as a family-owned and operated wholesale brokerage, Ck Specialty Insurance is committed to giving independent agents access to markets they can’t easily reach. As a Western-based MGA and Surplus Lines Broker, they have built strong carrier relationships and provide fast, responsive service for hard-to-place garage accounts. Whether your client’s business is based in a rural area, operates with mobile units, or needs broader-than-average liability protection, Ck Specialty can help you open market doors and close deals faster. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto dealers, repair shops, body shops, RV and motorcycle service providers, mobile mechanics, valet services, and other garage-related businesses, especially those that are hard to place in the admitted market. Is this an admitted or non-admitted program?This is a non-admitted program written through various surplus lines carriers, allowing for greater flexibility in underwriting and coverage customization. What are the minimum premium requirements?Minimum premiums start at $750 for mono-line coverage and $1,000 for package options, though pricing may vary based on class and risk characteristics. Which states is this program available in?This Garage Liability and Garagekeepers Insurance program is available in Idaho, Nevada, and Washington. Can this program cover mobile operations or roadside assistance companies?Yes, mobile repair units and roadside assistance providers are among the accepted classes and are welcome to submit for coverage consideration. Need help placing an account? Connect with a market specialist.

Garage Insurance — Ashley General Agency Ashley General Agency offers a specialized Garage Insurance program designed for agents placing auto-related businesses in Texas. As a managing general agency, we provide access to admitted and non-admitted capacity through markets including Catlin, Acceptance, Mesa, and Underwriters at Lloyds. Our garage markets write limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can handle dealer physical damage and garagekeeper exposures with limits up to $1,000,000. Programs accept drivers age 18 and older, with minimum premiums starting around $500. Ideal Accounts and Appetite This program is built for a broad range of garage-related risks. Typical classes we underwrite include: Auto repair shops and general auto repair Used auto sales / internet auto sales Dealers (including dealer physical damage and garagekeeper exposures) Auto parts sales and installation Car washes Mobile auto repair and towing-related operations RV, motorcycle, scooter, and golf cart sales & repair Heavy truck repair/sales and utility trailer sales/repair Impound yards and emergency vehicle sales/repair We are willing to consider niche operations such as mobile mechanics and internet-based auto sellers, subject to underwriting review. Coverage Highlights and Advantages Commercial general liability and garage liability limits available up to $1,000,000/$3,000,000 agg. Dealer physical damage and garagekeeper coverage offered up to $1,000,000. Competitive minimum premiums (from approximately $500) for smaller accounts and select risk profiles. Flexible appetite across common garage exposures—parts installation, service operations, and vehicle sales. Access to multiple specialty carriers through Ashley General Agency’s MGA platform for tailored placements. Underwriting Notes and Minimums Minimum driver age is 18 for program eligibility. Minimum premium: approximately $500 (final premium subject to underwriting and state rules). We evaluate account details including loss history, operations mix, physical premises, and protective safeguards (signage, keys, secured lots) for garagekeeper and dealer placements. Certain high-hazard operations, excessive exposure to long-haul towing, or accounts with frequent high-severity claims may be declined or require higher limits/deductibles. Territories and Admitted Status This program is available in Texas. Note: the carrier panel includes non-admitted capacity; Ashley General Agency places these risks through specialty markets. Check state-specific placement rules and filing requirements before submission. Why Work With Ashley General Agency Ashley General Agency combines focused garage underwriting with direct access to specialty carriers experienced in automotive classes. Agents benefit from hands-on underwriting, quick turnarounds on straightforward risks, and competitive minimums for smaller accounts. We can work with you on multi-line placements and handle dealer physical damage and garagekeeper exposures that many standard markets limit. Example Accounts That Fit This Program A two-bay independent auto repair shop with modest payroll, routine parts installation, and a secured lot—seeking combined general and garage liability with garagekeeper limits. A small used-car dealer that needs dealer physical damage and liability for inventory and customer vehicles, with drivers aged 18+ and a lower premium budget. For more information on our Garage program, call us today! Frequently Asked Questions What types of accounts are a good fit for this program?Accounts such as independent repair shops, used car dealers, auto parts installers, car washes, mobile repair services, and specialty sellers (motorcycle, RV, golf cart) are good fits. We particularly focus on operations with standard safety controls and manageable loss histories. What limits and garage-specific coverages are available?We offer liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate and can provide dealer physical damage and garagekeeper coverage with limits up to $1,000,000, subject to underwriting review. What are the key underwriting requirements or red flags?Key considerations include driver age (minimum 18), past loss activity, premises security, vehicle inventory controls, and the mix of operations. Accounts with frequent or high-severity claims, poor inventory controls, or unusual exposures may be declined or require modified terms. How do I submit a submission and what turnaround can I expect?Submit complete applications and loss runs through your usual wholesale channels to Ashley General Agency. Straightforward accounts typically receive faster responses; complex or higher-limit submissions may require additional underwriting review and documentation. Is this program available outside Texas?This specific garage program is currently available in Texas. Coverage may be placed through non-admitted markets on our carrier panel; verify state filing requirements before submission. Need help placing an account? Connect with a market specialist.

As an artisan contractor, you’re looked to as an expert in the field! Artisan Contractors face a wide range of risks depending on the trade and scope of work. From electrical hazards and roofing falls to property damage and payment disputes, the right insurance coverage is essential to protect both the contractor and their business. With over 150,000 Americans seeking medical treatment each year due to roofing-related accidents alone, the need for specialized liability coverage is more urgent than ever. Lawsuits involving artisan contractors are becoming increasingly common. Unlike traditional employees, artisan contractors often operate independently, and their employers are typically not held vicariously liable for their actions. This makes it critical for contractors to carry their own insurance—and for agents to place them with a carrier that understands their unique exposures. That’s where Prime Insurance Company comes in. We offer a comprehensive specialty liability solution tailored to the needs of artisan contractors. Our all-in-one approach provides agents direct access to experienced underwriters, claims professionals, and risk managers to help craft the most appropriate coverage for each insured. Ideal Accounts and Trades We Cover We work with a wide variety of artisan contractors, including but not limited to: • Plumbers • Electricians • Carpenters • Roofers • Masons • Landscapers • Drywall Installers • Paving Contractors • And many more Whether your client is a solo contractor or manages a small crew, we can help design a policy to meet the unique exposures of their trade. Coverage Highlights and Advantages Key coverages available include: • General Liability • Builders Risk • Commercial Auto *Not available in NY • Heavy Equipment • Coverage in all 50 states *Please note: Workers' compensation is not offered as part of this program. We specialize in hard-to-place risks and unique exposures. Whether the insured has a complex loss history or operates in a high-risk trade, our team will work with you to find solutions. Underwriting Approach Our underwriting team evaluates each risk on its own merits. No two artisan contractors are the same, and neither are our policies. We’re flexible, solution-focused, and committed to helping agents find placement for clients who may not fit the standard market. Territories and Availability This program is available in all 50 states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With Prime Insurance Company? Prime Insurance Company is a direct carrier with a strong track record of supporting artisan contractors and the agents who serve them. We offer: Custom coverage for high-risk and unique contractor classes Direct access to underwriting, claims, and risk management teams Non-admitted solutions available in all 50 states Responsive service and quick turnaround on submissions Whether your client is a first-time contractor or a veteran with a challenging risk profile, Prime Insurance Company has the tools and experience to help you place the business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized artisan contractors such as roofers, electricians, plumbers, landscapers, and similar trades, especially those with challenging risk profiles or unique operations. Is coverage available nationwide?Yes, the Artisan Contractors program is available in all 50 states. Commercial Auto coverage is offered in most states but is not available in New York. Does this program include workers’ compensation coverage?No, workers' compensation coverage is not included or offered through this program. Can I place business for contractors with prior claims or losses?Yes, Prime Insurance Company considers accounts with prior loss history and works with agents to find solutions for harder-to-place risks. What types of vehicles can be covered under the Commercial Auto option?The Commercial Auto coverage can include vehicles used for business operations, but availability and eligibility depend on the state and the specific risk. Note that this option is not available in NY. Need help placing an account? Connect with a market specialist.

Commercial Inland Marine Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Commercial Inland Marine Insurance program designed to help agents and brokers place business that falls outside the scope of standard commercial property policies. With access to multiple carriers and a broad appetite, this program allows you to serve a wide range of clients with mobile or specialized assets that require tailored coverage solutions. Coverage is available on a monoline or package basis, giving you flexibility to meet your insureds' specific risk profiles. Whether your client needs protection for equipment on the move, valuable papers, or fine arts, Cochrane & Company provides solutions that help you expand your book of business with confidence. Ideal Accounts and Target Classes This program is well-suited for businesses with mobile, movable, or specialized property exposures. Target classes include, but are not limited to: Accounts Receivable Mobile Agricultural Machinery and Equipment Animal Floaters Bailees Customers Computer Systems Coverage Optional coverages available Contractor’s Equipment Exhibition Coverage Commercial Fine Arts Breakage coverage available Golf Carts Installation Coverage Miscellaneous Articles Prize Indemnification Signs Trip Transit Valuable Papers If you work with clients who transport goods, display fine art, lease equipment, or maintain mobile operations, this program offers the protection they need. Coverage Highlights and Advantages Inland marine policies through Cochrane & Company help fill key gaps left by traditional property insurance. Highlights of available coverages include: Protection for property in transit or on location Optional breakage and theft coverage Specialized coverages for contractors, exhibitions, and more Flexible terms for a wide variety of classes You might have a client who operates a landscaping business and needs coverage for their trailer-based equipment across multiple job sites, or an art gallery that requires protection for fine art during transport and display. This program is built to meet those needs. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class and risk characteristics. Cochrane & Company underwrites each submission individually and works with multiple carriers to find the best fit. The program is non-admitted, allowing for greater flexibility in tailoring solutions for unique or hard-to-place risks. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Cochrane & Company is actively seeking business in these regions and welcomes submissions from licensed agents and brokers. Why Work With Cochrane & Company? As a trusted Managing General Agency with decades of experience, Cochrane & Company provides expert underwriting, responsive service, and access to a broad array of markets. They specialize in helping agents and brokers find creative solutions for risks that don’t fit the standard market mold. With a wide appetite and flexible approach, Cochrane & Company is an excellent partner for placing inland marine business. For more information about how to quote Commercial Inland Marine Insurance with Cochrane & Company, please contact their team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets clients with mobile property or specialized inland exposures, such as contractors, equipment dealers, art galleries, and agricultural operations. Is this coverage available on a monoline basis?Yes, Cochrane & Company offers Commercial Inland Marine Insurance on both a monoline and package basis. What is the minimum premium for this program?Minimum premiums vary based on the class and risk characteristics. Contact Cochrane & Company for specific underwriting guidance. Is the program admitted or non-admitted?This is a non-admitted program, which allows for greater flexibility in underwriting and coverage customization. In which states is this program available?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Need help placing an account? Connect with a market specialist.