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... risks Halls Catering/Sandwich Trucks Ice Cream Truc..., sandwich/ice cream trucks and event halls that serve weddings, parties and m...

...nt venues, independent caterers, catering trucks, sandwich and food trucks, an...al for banquet halls, event venues, catering services, food trucks, and ice cr...

M.J. Hall & Company now offers Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance! Hotel · Hospitality · Habitational · Restaurant · Retail · Office · Service Overview of the Program From M.J. Hall & Company M.J. Hall & Company offers a comprehensive insurance solution tailored for a wide range of commercial property types, including hotels, restaurants, retail stores, office buildings, and habitational risks. As an established Excess & Surplus Lines Broker, we partner with various carriers to provide competitive coverage options for hard-to-place or unique risks, especially in the hospitality and service sectors. Ideal Accounts and Appetite This program is designed for insureds operating in: Hotels and motels, including boutique and independent operations Restaurants, bars, and cafes Retail businesses and service providers Apartment buildings and residential rental properties Office buildings and mixed-use properties You might have a client who owns a multi-unit apartment complex with retail tenants, or a restaurant that also serves alcohol—this program can help cover those exposures. Coverage Highlights and Advantages Our Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance Coverage Includes: General Liability Primary Limits up to $2,000,000 Products Aggregate $2,000,000 Liquor Liability available Property Basic, Broad & Special Forms Building Coverage Business Personal Property 80% Coinsurance ACV & RC Additional Available Coverages: Business Income Rental Income Non-owned/hired auto Medical payments coverage Personal and Advertising Injury Crime Workers Compensation Underwriting Notes and Minimum Premiums This program is available for qualified risks only. Our underwriting team reviews each submission carefully to ensure fit with available carrier guidelines. Appetite may vary depending on occupancy, loss history, and property characteristics. Territories and Availability Coverage is available in the following states: Alaska, Arizona, California, Hawaii, and Nevada. Some coverages may be offered on an admitted basis depending on the state and risk profile. Why Work With M.J. Hall & Company With decades of experience in the E&S marketplace, M.J. Hall & Company gives you access to a variety of carriers and flexible options for hospitality, retail, and service-oriented businesses. Our team understands the complexities of these industries and works closely with retail agents to deliver solutions that help protect your clients' property and liability exposures. Our agents would be happy to discuss our Hotel, Hospitality, Habitational, Restaurant, Retail, Office and Service Insurance with you – contact M.J. Hall today! Qualified Risks Only Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for hotels, restaurants, apartment buildings, retail stores, and service-based businesses, especially those with unique exposures or hard-to-place risk profiles. Is liquor liability available under this program?Yes, liquor liability is available for qualified risks, such as restaurants or bars that serve alcohol. Which states is this program available in?Coverage is currently offered in Alaska, Arizona, California, Hawaii, and Nevada. Are admitted markets available?Some coverages may be offered on an admitted basis depending on the state and underwriting guidelines. What is needed to submit a risk for underwriting review?Provide a completed application, loss runs, property details, and any supplemental forms required for specific coverages like liquor liability or workers comp. Need help placing an account? Connect with a market specialist.

... classes — Eligible exposures Catering businesses Farms and dairies Hou...e scenarios: You have a regional catering company with 10 refrigerated vans...

... a neighborhood tavern or a busy catering operation, our program is designed t...nd take-out pizza shop with a small catering side business—this program can ad...

...assault & battery coverage. Or a catering company that provides bar service fo...

Special Events Insurance Program from Cochrane & Company Cochrane & Company offers a focused Special Events Insurance program that helps agents and brokers place one-day or short-term event liability for clients. Whether the insured is running a wedding reception, fundraiser, festival, corporate party, or concert, this program is designed to address the common exposures that arise at temporary events. As a Managing General Agency with more than 25 years of liquor liability experience, Cochrane & Company understands the added risks when alcohol service, temporary staff, volunteers, food vendors, and large crowds are involved. Policies are written on a non-admitted basis and are available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Ideal Accounts and Appetite This program is a good fit for short-duration events including: Weddings, receptions, and private parties Charity events and fundraisers Festivals, fairs, parades, and community events Corporate events and company functions Concerts and live performances (one-day or limited series) Events with on-site alcohol service—whether provided by the insured or a contracted vendor—are within appetite. Accounts hosted at rented venues, those using temporary workers or volunteers, and events with food vendors are also eligible. Higher-risk exposures such as large multi-day festivals, venues with known crowd-control issues, or events where underage drinking is uncontrolled should be reviewed with underwriters in advance. Coverage Highlights and Advantages The Special Events program includes coverages commonly requested for event placements: Liquor Liability: Separate limits available for negligent service to intoxicated or underage attendees General Liability: Coverage for bodily injury, property damage, and medical payments No Deductible: Reduces out-of-pocket exposure for insureds Damage to Rented Premises: Broader coverage than basic fire-only limits Food & Beverage Product Liability: Protection for food-borne illness and related claims Expense Costs Outside Policy Limit: Select costs can be paid outside the underlying limit to help preserve limits for third-party claims Additional Insured Endorsements: Venues and landlords can be added at no extra charge Temporary Workers & Volunteers: Automatically included as insureds where applicable Claims Expertise: Dedicated claims unit with liquor liability and event experience Underwriting Notes and Minimum Premiums Cochrane underwrites each event individually to allow flexibility in coverage and pricing. Minimum premiums vary by event type, size, and state. When submitting, be prepared to provide: Expected attendance and duration Alcohol service details (who serves, ticketed vs. open bar) Venue type (private residence, rented hall, outdoor park, etc.) Use of vendors, food trucks, or amusement vendors Information on security, crowd control, and temporary staffing Territories and Availability This program is available on a non-admitted basis in: Arizona, California, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington, and Wyoming. Availability may vary by carrier and odd-limit requests should be discussed with underwriting. Why Work With Cochrane & Company? Cochrane & Company brings decades of focused liquor and event liability underwriting. Their strengths include deep market relationships for alcohol liability placements, a claims unit experienced with event-related exposures, and flexible underwriting for single-event and small-series placements. Those features can help you place accounts quickly and reduce surprises at bind/claim time. Example scenarios you can place through this program: a couple hosting a private wedding reception at a rented venue with a hired bartender and food trucks; or a local nonprofit running a one-day outdoor fundraiser with volunteers and a temporary beer garden. Both situations typically fit the program when event controls and vendor agreements are in place. For more information or to submit a risk, contact Cochrane & Company or visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Events like weddings, festivals, corporate functions, and fundraisers—especially those involving alcohol service—are ideal for this program. Can venues be listed as additional insureds?Yes. Venues and landlords can be added as additional insureds at no extra cost under this program. Is liquor liability included in the policy?Liquor liability is available with separate limits and can be written alongside general liability to cover negligent service claims. What states is this program available in?This program is available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Are temporary staff and volunteers covered?Yes. Temporary workers and volunteers are typically included as insureds under the policy. Need help placing an account? Connect with a market specialist.

...cal eligible classes include: Catering services Farms and dairies House...

...le food vendors and small mobile catering operations. This program is offered ...

Commercial Child Care and Nursery School Insurance from Cochrane & Company This specialized insurance program from Cochrane & Company is designed for agents and brokers seeking comprehensive coverage solutions for licensed commercial child care centers and nursery schools. Whether your client operates a small preschool or a multi-location child care facility, this program offers tailored protection to address the unique risks of working with children and families. Target Classes and Ideal Accounts This program is built for commercially licensed child care centers and nursery schools. Ideal accounts include: Daycares and preschools with structured curriculums Facilities offering full-day or part-day programs Programs with on-site playground equipment, meal service, and off-site field trips Centers employing directors, assistant directors, and licensed staff Facilities must meet licensing requirements and operate on a commercial basis. Home-based care is not within appetite. Common Risks This Program Addresses Child care operators face sensitive and serious exposures. This program provides coverage for incidents such as: A child injured while using playground equipment False accusations of abuse or molestation made by a parent An employee accidentally spilling hot soup on a child Emotional distress claims from parents when proper permissions were not obtained Coverage Highlights This program offers robust features to give your insureds peace of mind: Professional Liability included at the General Liability limit at no extra cost Zero liability deductibles Child Molestation & Abuse coverage up to the General Liability limits, including Corporal Punishment Applies to all individuals, on and off premises Directors, assistant directors, and employees are included as insureds under Abuse/Molestation coverage Defense Cost reimbursement for false abuse allegations Medical Payments coverage automatically included for enrolled students Hired & Non-Owned Auto Liability available Expanded definition of Bodily Injury to cover emotional distress and mental anguish Available Limits and Underwriting Details Property values up to $3,000,000 in Protection Classes 1–8 Property values up to $1,000,000 in Protection Classes 9–10 Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate Abuse/Molestation limits up to $1,000,000 / $2,000,000 Excess or Umbrella coverage available up to $5,000,000 Minimum premiums vary depending on the account and coverage needs. Program Availability This program is available in most states on an admitted basis, including AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you have clients in these states, Cochrane & Company can provide competitive solutions tailored to their operations. Why Work with Cochrane & Company? Cochrane & Company is a trusted MGA with deep experience in niche insurance programs. Their underwriting team understands the operational and reputational risks child care facilities face daily. By partnering with Cochrane & Company, you gain access to responsive service, flexible underwriting, and a program designed to protect both your clients and their young students. To learn more about the Commercial Child Care and Nursery School Insurance program or to submit a risk, contact Cochrane & Company today. Frequently Asked Questions What types of child care facilities are eligible for this program?Commercially licensed child care centers and nursery schools are eligible. This includes daycares and preschools with structured programming and appropriate licensing. Does the program cover abuse or molestation claims?Yes, the program includes Child Molestation and Abuse coverage up to the General Liability limit. It also offers defense cost reimbursement for false allegations. Are field trip activities covered under this policy?Yes, coverage applies off premises and includes incidents related to field trips, provided proper protocols are followed. What is the maximum property value accepted?The program accepts property values up to $3,000,000 in Protection Classes 1–8 and up to $1,000,000 in Protection Classes 9–10. In which states is this program available?This program is available in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY, mostly on an admitted basis. Need help placing an account? Connect with a market specialist.