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...erview — Cochrane & Company: Caterers and Halls Insurance Serve up new b...this program?Small- to medium-sized caterers, sandwich/ice cream trucks and ev...

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Cochrane & Company's Specialty Auto Insurance helps agents place not-for-hire commercial auto exposures for businesses that operate primarily within a 300-mile radius. This program is designed for companies that need flexible liability and physical damage solutions for work vehicles that are not used for for-hire haulage. Target classes — Eligible exposures Catering businesses Farms and dairies Household goods movers (local) Wholesale and retail delivery Food delivery (non-pizza operations) Mobile businesses and couriers Magazine and newspaper distributors Armored cars Manufacturing businesses Ready-mix operations (cement mixers, concrete pumpers) Funeral operations Vacuum trucks and street sweepers Contractors, cranes and boom trucks Not eligible Hazardous materials carriers (incidental household products such as spray paint, cleaners, batteries are acceptable) Petroleum-based product haulers (refer to petroleum marketer programs) For-hire, revenue-generating trucking units (refer to trucking programs) Pizza delivery operations Triple trailers, end-dump or side-dump trailers Regulated medical or biohazardous waste Mobile-home toters Any risk hauling logs Student drivers or risks allowing nonemployee passengers Underwriting requirements Loss history for current and prior three policy years Complete VINs for all power units Complete drivers’ roster (all drivers must have acceptable MVRs) Coverage features include: Automobile liability limits up to $5 million Uninsured/underinsured motorist, medical payments and personal injury protection Physical damage for schedules of vehicles Motor truck cargo / inland marine options Multi-line discounts when you package other business lines Overview — Cochrane & Company Specialty Auto Insurance This program is offered by Cochrane & Company through multiple carriers and is positioned to serve agents who need admitted and excess & surplus solutions for specialty commercial auto risks. As a Managing General Agency and Excess & Surplus lines broker, Cochrane provides underwriting access, flexible reporting options, and tailored terms for niche local fleets and specialty operations. Ideal accounts and appetite Agents should consider this program for local businesses that operate their own not-for-hire vehicles. Typical clients include local delivery fleets, contractors with work trucks, ready-mix operators, and service businesses that operate within a regional footprint. The program favors operations with disciplined driver selection, good maintenance programs, and stable loss histories. Example scenarios: You have a regional catering company with 10 refrigerated vans that deliver to events within a 200-mile radius — eligible for liability and physical damage coverage. A concrete supplier runs mixers and concrete pumpers locally and needs limits above standard commercial auto offerings — this program can provide higher liability limits and cargo options. Coverage highlights and advantages Higher liability limits (up to $5M) for operations with elevated exposure. Broad coverages including UM/UIM, PIP/Med pay, and comprehensive/ collision where appropriate. Motor truck cargo / inland marine options for legal-liability exposure on local hauls. Flexible reporting basis (mileage, gross receipts, per vehicle, or total insured value) to match how your insureds operate. Multi-line discounts available when you place additional business through the same carrier relationships. Underwriting notes and minimum premiums Underwriters require complete VINs for power units, a full drivers’ list with acceptable MVRs, and loss runs for the current and prior three years. The program does not generally accept risks that allow nonemployee passengers, student drivers, or operations hauling hazardous or regulated waste. Minimum premium: Varies by state, exposure and carrier. Reporting capabilities Cochrane offers real-time, flexible reporting options to fit your clients’ operations. Available line/coverage reporting bases include: Commercial Auto — Liability (including PIP, UM/UIM, Med pay), Physical Damage, Hired Auto, Trailer Interchange Inland Marine — Motor Truck Cargo (Legal Liability Reporting Form) Reporting basis options — Mileage, Gross Receipts, Per Vehicle, Total Insured Value Territories and availability States available: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. Admitted status: Most Available Markets. Carriers: Multiple Carries. Cochrane places business across admitted and non-admitted markets as appropriate for the risk. Why work with Cochrane & Company on Specialty Auto Program-level underwriting expertise for specialty, regional fleets and unique not-for-hire operations. Access to multiple carriers and flexible reporting structures to match book-of-business needs. Hands-on submission guidance — the underwriting checklist above helps speed placement and reduce follow-ups. Contact Cochrane & Company today to place Specialty Auto Insurance risks through this program. Frequently Asked Questions What types of accounts are a good fit for this Specialty Auto program?Accounts that operate not-for-hire vehicles within a roughly 300-mile radius and have stable driver programs are a good fit — examples include local delivery fleets, contractors, ready-mix operators, and service businesses with owned work vehicles. What underwriting information does Cochrane require with a submission?Provide loss runs for the current and prior three years, complete VINs for all power units, and a full drivers’ list with acceptable MVRs. Clear documentation of vehicle use and mileage or receipts helps select the correct reporting basis. Are motor truck cargo and inland marine coverages available?Yes. Motor truck cargo (legal liability) options are available through the program and can be reported using mileage, gross receipts, per vehicle, or total insured value—depending on the exposure. Need help placing an account? Connect with a market specialist.

Overview — Colonial General Insurance Agency, Inc. — Deli Insurance Colonial General Insurance Agency, Inc. offers a Deli Insurance program designed for independent agents and brokers placing coverage for food service establishments—dine-in or take-out operations. This program provides both property and liability options, written mono-line or as a package, and is best suited for small to mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks where alcohol sales are incidental (less than 30% of gross sales). Policy Highlights Key liability and property features available through this program: Commercial General Liability — Primary limits up to $3,000,000 occurrence and aggregate $5,000 Medical Payments coverage — included Additional interests — included at no charge Liquor Liability coverage available (alcohol sales must be under 30% of gross sales) Excess / Umbrella limits available up to $25,000,000 No deductible required on liability in many instances Property Coverage Options Selectable property features to protect the physical location, equipment and income: Accounts Receivable Basic, Broad or Special Form Building and/or Contents Business Income and Extra Expense Computer Equipment and Equipment Breakdown Food Spoilage and Inland Marine for rolling stock or equipment Outside Signs Replacement Cost or Actual Cash Value valuation Valuable Papers Crime Coverage Inside the Premises — Theft of Money and Securities Inside the Premises — Robbery or Safe Burglary of Other Property Outside the Premises Ideal Accounts and Appetite The program is tailored for: Independent delis, sandwich shops, small catering prep kitchens, and café/deli hybrids Locations with mostly prepared-food sales and limited alcohol service (less than 30% of revenue) Single-location or small multi-location operations without significant high-risk exposures (no on-site dance/entertainment, late-night bars, or large banquet operations) Typically not a fit: businesses where alcohol sales exceed 30% of gross receipts, full-scale bars/nightclubs, major catering operations with frequent large events, or accounts with serious open claims or uncontrolled loss history. Underwriting Notes Common submission requirements include a completed application, recent loss runs, current revenue breakdown (food vs. alcohol), menu or operations description, and proof of any licenses (e.g., liquor license). Underwriters will evaluate hours of operation, delivery services, catering exposure, safety controls (fire suppression in cooking areas), and prior loss history. Appetite and terms may vary by market; Colonial General places this business through a mix of admitted and non-admitted carriers (Some Available Markets). Carriers vary by risk characteristics and state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Coverage availability and form (admitted vs. non-admitted) depend on the state and carrier. Confirm state eligibility and any market-specific requirements at submission. Examples — Good Fits A neighborhood deli with dine-in and takeout, annual gross sales under $1.5M, limited alcohol by the bottle and beer/wine sales under 20% of revenue — ideal for combined property and GL with liquor liability. A small deli with a delivery and catering arm, modest kitchen equipment, and a history of clean loss runs — fits well for package placement including equipment breakdown and food spoilage coverage. Why Work With Colonial General on Deli Business? As an MGA and excess & surplus lines broker, Colonial General provides agents access to multiple markets and flexible packaging for food-service risks. The program balances liability limits up to $3M (with sizable umbrella capacity), crime and property options tailored to deli operations, and straightforward underwriting for common deli exposures. Colonial General is positioned to help agents place unique or borderline risks that need excess capacity or specialized E&S solutions. Frequently Asked Questions What types of deli accounts are the best fit for this program?The program is best for small to mid-sized delis, sandwich shops, and café/deli hybrids with primarily food sales and limited alcohol service (under 30% of gross sales). Single-location operators and small multi-location owners with manageable loss history typically fit well. Is liquor liability available and are there limits on alcohol sales?Yes — liquor liability coverage is available, but underwriters generally require alcohol to be less than 30% of gross sales. Verify the alcohol percentage and provide a copy of any liquor license at submission. Which states and market types are supported?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Coverage may be placed with admitted or non-admitted markets depending on state and risk characteristics; carriers vary by submission. Need help placing an account? Connect with a market specialist.

... to: Ø Family Restaurants Ø Caterers and Catering Trucks Ø Bars and Nei...

At Scurich Insurance Services, we understand the fast-paced demands of running a business—because we run one, too. That’s why we’ve built our Business Insurance program for Monterey Bay, CA to be as straightforward and customizable as possible. Whether your client is a small retail shop in Watsonville or a growing catering service along the coast, we help you find the right coverage options to protect their operations today and tomorrow. Ideal Accounts and Appetite This program is designed for a broad range of small to mid-sized businesses across various industries in the Monterey Bay area. We regularly work with: Retail shops and boutiques Contractors and tradespeople Restaurants and catering services Professional offices (law firms, accountants, etc.) Transportation and delivery businesses Personal services (salons, dry cleaners, etc.) If you have commercial clients with physical assets, employees, or vehicles—or who interact with the public or customers—this program can help cover their core exposures. Coverage Highlights and Advantages We offer a range of base and optional coverages to match each business’s unique risks. Standard coverage options include: Property Insurance – Helps repair or replace buildings, equipment, and inventory damaged by fire, storms, vandalism, and other perils. Liability Insurance – Protects against third-party claims of bodily injury or property damage caused by your client’s operations, products, or services. Workers' Compensation – Covers employee medical expenses and lost wages due to work-related injuries or illnesses while reducing employer liability. Business Auto Insurance – Covers business-owned or used vehicles, including liability and physical damage coverage for commercial fleets or individual autos. Business Crime Insurance – Offers protection against employee theft, burglary, forgery, and similar threats. Additional, customizable options include: Employment Practices Liability – Helps defend against claims of harassment, wrongful termination, or discrimination. Life Insurance for Business Owners – Supports succession planning and the long-term stability of the business. Umbrella Insurance – Adds extra liability protection above primary policies. Bailee Insurance – Covers damage to customers' property (ideal for dry cleaners, jewelers, etc.). Transportation and Cargo – Protects goods in transit, whether by company vehicles or third-party carriers. Spoilage Insurance – Covers perishable items lost due to power outages or equipment failures. Delivery/Catering Non-Owned Auto – Covers employees using personal vehicles for business purposes like food delivery or catering. Underwriting Notes This is a non-admitted program, providing flexibility in underwriting and customization. Submissions are evaluated based on risk profile, industry class, and operational details. While we can accommodate a wide range of businesses, we are best suited for clean to moderately complex risks. We recommend reviewing expiring policies with your clients to identify gaps or new exposures we can help address. Territories and Availability This program is available exclusively in California, with a special focus on businesses located in Monterey Bay and Watsonville and surrounding areas. Why Work With Scurich Insurance Services? With decades of experience serving California’s Central Coast, Scurich Insurance Services offers personal, hands-on service and a local perspective that national providers can’t match. We understand the regional risks, industry nuances, and unique needs of Monterey Bay businesses. Our team is here to help you tailor coverage and make placement easy, whether you’re insuring a startup or reviewing coverage for a long-established business. Already have your client covered? Great! But business needs change. Let us help you review current policies and ensure your clients stay properly protected—with the benefit of local expertise and real people ready to talk. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to mid-sized businesses in Monterey Bay, including retail, professional services, food service, contractors, and transportation businesses. Is this a non-admitted program?Yes, this is a non-admitted program, allowing for greater flexibility in underwriting and coverage customization. Can I customize coverage for unique client exposures?Absolutely. We offer a range of optional coverages such as EPLI, spoilage, cargo, and bailee insurance to tailor protection to your client’s specific risks. Is this program only available in Monterey Bay?While focused on Monterey Bay and Watsonville, the program is available throughout California. Do you offer local support for agents?Yes, our team is based locally and provides personal support to help you find the right fit for your clients. Need help placing an account? Connect with a market specialist.

Overview — Ice Cream Truck Insurance from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a dedicated Ice Cream Truck Insurance program designed for agents placing mobile food vendors and small mobile catering operations. This program is offered through Colonial General as a Managing General Agency and Excess & Surplus lines broker, giving you flexible placement options across admitted and non-admitted markets depending on the state and account characteristics. Ideal accounts and appetite Independent ice cream truck operators and small fleets of mobile dessert or frozen-treat vendors. Vehicles equipped with refrigeration units and serving retail customers from streets, parks, private events, or seasonal routes. Accounts with routine maintenance programs, documented refrigeration upkeep, and reasonable loss histories. Generally not a fit: highly specialized heavy commercial vehicles, permanent fixed-location concessions, or accounts with habitual regulatory or food safety violations. If you have a borderline submission, Colonial General underwriting will consider details on a case-by-case basis. Coverage highlights and advantages Use this program to secure flexible liability and physical damage protection tailored to mobile food delivery operations. Key coverages include: Liability limits up to $1,000,000 CSL to protect bodily injury and property damage exposures. Physical damage coverage with multiple deductible options (typically $500–$5,000) to match client budgets and vehicle values. Cargo limits up to $100,000, including protection for inventory and product spoilage; refrigerator breakdown coverage is included to address mechanical losses to perishable product. Radius options up to 500 miles to support operators who travel for events, festivals, or multi-state routes. Colonial General currently has no blanket exclusions specific to this ice cream truck program, improving placement flexibility. Underwriting notes and typical requirements Underwriters commonly request a completed application, current MVRs for drivers, vehicle photos, and a brief loss history. Documentation of refrigeration maintenance, business license, and food safety compliance is helpful and may speed binding. Rates and placement (admitted vs. non-admitted) will depend on state availability, vehicle condition, driver records, and loss experience. Minimum premiums may apply; contact Colonial General for current threshold and program terms. Territories and availability The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some admitted markets are available where regulatory and carrier appetite allow; Excess & Surplus lines placement is used where necessary. Carrier availability varies by state and account characteristics. Why place ice cream truck business with Colonial General Specialized focus on mobile food vendors and refrigerated cargo exposures. Access to both admitted and E&S markets through an experienced MGA/broker model. Flexible radius and cargo options that fit seasonal operators and event-driven businesses. Underwriters open to tailored terms for small fleets and single-truck operations, with practical consideration for refrigeration breakdown exposures. Example account scenarios You have a client who operates a single soft-serve truck on a seasonal route through multiple towns — Colonial General can provide liability to $1M CSL, physical damage, and cargo coverage that includes refrigerator breakdown for their inventory. You represent a small fleet of two to four trucks that travel up to 300 miles for festivals and private events — the program’s radius options and fleet quoting flexibility make it a good candidate. Frequently Asked Questions What types of ice cream truck accounts are a good fit for this program?Single truck operators and small fleets with routine vehicle and refrigeration maintenance, reasonable driver records, and primarily retail or event service are the best fit. The program supports seasonal routes and event work with radius options up to 500 miles. Which states and market types are available?Colonial General offers this program in AZ, CA, CO, ID, NV, NM, UT, and WY. Some admitted markets are available where carriers allow; Excess & Surplus placement is used when admitted options are not available. What coverages are included for refrigerated cargo?Cargo limits are available up to $100,000 and include refrigerator breakdown coverage to address spoilage or loss of perishable inventory when the refrigeration system fails. What documents should an agent submit with a new submission?Provide a completed application, vehicle photos, current MVRs for drivers, loss run or loss history, and any refrigeration maintenance records or business licenses to help underwriting evaluate and bind quickly. Are there deductible and liability limit options?Yes. Liability limits are available up to $1,000,000 CSL and physical damage deductibles commonly range from $500 to $5,000. Specific options will depend on the vehicle, territory, and underwriting review. Need help placing an account? Connect with a market specialist.