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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.

Exclusive standard lines market for Restaurant Insurance with up to 30% alcohol sales—suitable for operations with or without table service! Restaurant Insurance Program from Southern Insurance Underwriters, Inc. Southern Insurance Underwriters, Inc. (SIU) offers a flexible and competitive Restaurant Insurance program designed specifically for independent agents and brokers placing business in Alabama, Georgia, and South Carolina. Whether your client operates a casual dining spot, a fast-food franchise, or a new venture with catering exposure, SIU provides access to both standard and non-standard markets to help you secure the right coverage. Ideal Accounts and Appetite This program targets a wide range of restaurant operations, including those with up to 30% alcohol sales and optional table service. Ideal risks include: Quick service and fast-casual restaurants Full-service restaurants with moderate alcohol exposure Catering businesses with dine-in or off-premises services New ventures led by owners with at least 3 years of industry experience Accounts with more than 30% alcohol sales or nightclubs may not be eligible. Coverage Highlights and Advantages SIU’s Restaurant Insurance program is backed by "A" Rated carriers and offers comprehensive protection through Commercial Package Policies. Available coverages include: General Liability with limits from $300,000/$600,000 to $1MM/$2MM Liquor Liability coverage available for qualifying risks Property coverage with enhancement endorsements that offer over 20 additional protections Crime, Inland Marine, and Automobile coverage options Workers’ Compensation markets available Whether you’re writing a startup café or a well-established bistro, this program provides scalable coverage options to meet your client’s needs. Underwriting Notes and Minimum Premiums SIU welcomes new ventures as long as the ownership has a minimum of three years of relevant restaurant experience. Minimum premiums vary by risk type and coverage selected. Submissions should be complete and include applicable supplemental applications, especially when liquor liability is requested. Territories and Availability This admitted program is currently available in Alabama, Georgia, and South Carolina. SIU works with both admitted and non-admitted markets, giving you added flexibility when placing accounts that may not fit traditional carrier appetites. Why Work with Southern Insurance Underwriters, Inc.? As a trusted Managing General Agency with decades of underwriting experience, SIU brings deep expertise in hospitality insurance and niche restaurant risks. Agents benefit from responsive service, a broad market reach, and underwriting solutions tailored to the restaurant industry. If you're looking for a dependable partner to help you place restaurant business—from small takeout counters to upscale eateries—SIU is a strong choice. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with up to 30% alcohol sales, including fast-casual, full-service, and catering operations, are ideal for this program. Is liquor liability coverage available?Yes, liquor liability is available for qualifying risks and can be included in the commercial package policy. Can new restaurant ventures qualify for coverage?Yes, new ventures are acceptable if the ownership has at least 3 years of relevant restaurant experience. In which states is this program available?This program is currently available in Alabama, Georgia, and South Carolina. Does the program include Workers’ Compensation coverage?Yes, Workers’ Compensation markets are available for eligible accounts as part of the overall package. 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.

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