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...e green this holiday season with Christmas Tree Lot Insurance from Cochrane &a... good fit for this program?Seasonal Christmas tree lots, tree farms with public access, “cut-your-own” operations, and lots that include hayrides or small amus...

Policy Highlights for Christmas Tree Lots Insurance: Colonial Gener...?This program is ideal for seasonal Christmas tree lot operators, particularly those with temporary setups in parking lots, retail areas, or leased spaces dur...

...al operations Vacuum trucks and street sweepers Contractors, cranes and bo...

...ane & Company offers a focused Tree Trimmers Insurance program for busines...he core operation, such as arborists, tree service contractors, landscaping firms with primary tree exposure, and municipal tree crews. It excludes logging and timb...

Here at Cochrane & Company, we understand the unique challenges trucking companies face when bidding for contracts that require elevated liability limits. Our specialized Excess Auto Designated Truckload coverage is designed to provide flexible, contract-specific excess liability solutions—without requiring your clients to increase limits across their entire fleet. Overview of the Program From Cochrane & Company This program offers targeted excess auto liability coverage for truckers operating under specific contracts that demand higher limits. Instead of applying those increased limits to the entire fleet (and paying a significantly higher premium), your clients can secure coverage tailored to individual contracts—providing both cost savings and a competitive edge when bidding for business. Ideal Accounts and Appetite This program is ideal for for-hire trucking operations that haul full truckloads under specific agreements. It's a great fit for insureds who: Transport goods under designated contracts with defined coverage requirements Need to meet higher liability limits only for certain loads Do not dedicate specific vehicles to one contract but still need to meet contractual insurance obligations For example, you might have a client bidding on a short-term haul for a large retailer that requires $5 million in auto liability coverage. Instead of increasing fleet-wide limits, this program lets them meet that requirement for just that contract. Coverage Highlights and Advantages Designated Truckload Coverage for Specified Contracts: Limits apply only to loads under the defined contract. Flexible Premium Structure: Coverage is Minimum and Deposit adjustable—your clients pay only for the exposures associated with each contract. Accident Condition: A Bill of Lading must be produced to confirm the load is covered under the designated contract. Load Requirements: Applies to full truckloads only, with no partial loads eligible. Contract-Specific Limits: Combined Primary and Excess limits will match the contractual requirements, up to $5,000,000 per occurrence. Underwriting Notes and Minimum Premiums Each risk is underwritten based on the specific contract terms and exposure. While pricing is competitive, especially compared to fleet-wide limit increases, an appointment must be in place prior to quoting. The program is structured to offer cost-effective excess liability without unnecessary over-insurance. Territories and Availability This program is available on a non-admitted basis in the following states: 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, WY. Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings decades of experience and underwriting expertise in transportation and trucking risks. We offer responsive service, deep market access, and tailored solutions that help your clients compete for high-value contracts—without overpaying for excess coverage they don’t need. Our Designated Truckload Excess Auto product is a strategic tool to help agents like you deliver real value to your trucking clients. *Please note: An appointment must be in place prior to quoting. Frequently Asked Questions What types of trucking clients are best suited for this program?This program is ideal for for-hire truckers who transport full loads under specific contracts that require higher liability limits. Does this coverage apply to the entire fleet?No, coverage is limited to truckloads transported under the specific contract, not to the entire fleet. What documentation is required in the event of an accident?A Bill of Lading must be produced to confirm that the load was part of the designated contract covered under the policy. Are partial loads eligible for this program?No, coverage applies only to full truckloads. Partial loads are excluded. Do I need an appointment with Cochrane & Company to get a quote?Yes, an appointment must be in place before a quote can be provided. Need help placing an account? Connect with a market specialist.

Are you currently shopping for shop coverage? Cochrane & Company can provide your store's Mercantile Insurance. From antique stores to video stores, we have your Mercantile Insurance coverage needs covered. Mercantile Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Mercantile Insurance program designed specifically for retail risks. As a trusted Managing General Agency (MGA), we provide appointed agents with access to competitive markets and tailored coverage solutions for a wide range of retail businesses. Whether your clients operate a corner convenience store or a specialty antique shop, our program is built to address their unique exposures. Ideal Accounts and Appetite We welcome a broad spectrum of retail classes under our Mercantile Insurance program. Targeted business types include: Convenience Stores Pawn Shops Antique Stores Sporting Goods Stores Beverage Retailers Video and Media Stores And many more specialty retailers If you have a client operating a small-town pawn shop or a high-traffic beverage store, our program is geared to accommodate these types of risks with ease. We are especially well-suited for stores seeking broad property and liability protection with flexible underwriting. Coverage Highlights and Advantages Our Mercantile Insurance program offers a robust package of property and general liability coverages, making it easy for agents to secure complete protection for their retail clients. Property Coverage Features Basic, Broad, or Special Form options (theft coverage available with central station alarm) Property Extension Endorsements for added flexibility Convenient chart-based rating system for efficiency General Liability Limits Up to $5 million general aggregate Products/completed operations aggregate included $5 million personal and advertising injury $5 million per occurrence $100,000 damage to rented premises $1,000 medical payments Silent Assault or Battery coverage included No liability deductible Underwriting Notes and Minimum Premiums Each submission is individually underwritten, and minimum premiums vary depending on risk characteristics and location. Our team works closely with agents to identify the best market fit and streamline the quoting process. We recommend submitting complete applications, including property protection details like alarm systems, to help secure the most favorable terms. Territories and Availability This program is available on a non-admitted basis in the following states: Alaska (AK) California (CA) Idaho (ID) Montana (MT) Nevada (NV) New Mexico (NM) North Dakota (ND) Oregon (OR) Utah (UT) Washington (WA) Wyoming (WY) Because this is a non-admitted program, it offers flexible solutions for unique or hard-to-place retail accounts that may not fit standard markets. Why Work With Cochrane & Company? Cochrane & Company brings decades of experience as a Managing General Agency and provides agents with access to specialty markets and responsive underwriting for niche classes like mercantile risks. We pride ourselves on our ability to write retail accounts that require custom solutions and fast turnaround times. Our depth of carrier relationships and regional expertise make us a reliable partner for agents throughout the Western United States. For more information regarding Mercantile Insurance, please do feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for Cochrane & Company’s Mercantile Insurance program?This program is ideal for small to mid-sized retail businesses such as convenience stores, antique shops, pawn stores, beverage retailers, and other specialty merchants. Is this program available on an admitted basis?No, this Mercantile Insurance program is written on a non-admitted basis in the states where it is available. What states is the Mercantile Insurance program offered in?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Are there minimum premium requirements?Minimum premiums vary based on the type and size of the risk. Contact our team with specific account details for a quote. What coverages are included in the general liability section?General liability includes up to $5 million in limits, with coverage for personal/advertising injury, products/completed operations, damage to rented premises, and more. Need help placing an account? Connect with a market specialist.

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.

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. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors working on residential, commercial, or mixed-use projects, including electricians, plumbers, HVAC technicians, framers, and similar trades. Is this insurance program admitted or non-admitted?This is a non-admitted program, which provides underwriting flexibility for hard-to-place or unique contractor risks that may not meet admitted carrier guidelines. What coverage limits are offered?The program can provide up to $2,000,000 in general aggregate, products/completed operations, and occurrence limits, along with coverages such as damage to rented premises and medical payments as noted in the program highlights. In which states is this program available?This program is available in AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Are blanket additional insured endorsements available?Yes. A blanket additional insured endorsement with primary and waiver wording is available for a flat fee of $250 when applicable. Need help placing an account? Connect with a market specialist.

Monitor your profits while protecting your clients with Cochrane & Company's specialized Alarm Installation Insurance program. Designed for contractors who sell, install, service, monitor, or repair alarm systems, this program is backed by an A+ XV–rated specialty carrier and tailored to the risks associated with burglar alarms, fire alarms, intercoms, CCTV, access control and other electronic security systems. Use this program to place accounts that need both strong general liability protection and comprehensive property, inland marine, and E&O options. Ideal Accounts and Appetite Residential and commercial alarm system installers Fire and burglar alarm contractors Intercom, access control, and CCTV system providers Contractors with up to 15% of revenue from medical monitoring Service providers for banks, financial institutions, vehicles, or watercraft This program is a strong fit for alarm contractors who require a combination of General Liability, E&O, and property protections. Typical fits include: A contractor installing and monitoring CCTV systems for multi-tenant commercial buildings. An integrator providing access control and intercom systems for retail or office locations, including service and monitoring agreements. Underwriting will consider system type, contract language, percentage of monitoring/medical monitoring revenue, and work performed on high-risk accounts (banks, armored vehicles, marine). Accounts that exceed the specified medical-monitoring threshold or that perform high-risk life-safety system work without documented controls may be limited or declined. Coverage Highlights and Advantages Alarm Installation Insurance: Available Coverages: General Liability – Primary limits up to $3 million occurrence/aggregate Electronic Data Liability Errors & Omissions (E&O) – Included at policy limits where appropriate Excess / Umbrella – Up to $25 million available Included Coverages: Medical Payments – $5,000 limit Blanket Additional Insured Endorsement Lost Key Coverage – $25,000 limit Property Damage Extension (Care, Custody, and Control) – Up to $200,000 per occurrence / $300,000 aggregate Property Coverage: Building and Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown Inland Marine Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage: Available for both inside and outside the premises. Deductible: No deductible required on certain coverages; options vary by submission. Underwriting Notes and Minimum Premiums Underwriting reviews focus on scope of work, contract terms (hold-harmless, indemnity, and monitoring agreements), training and experience of technicians, and percentage of revenue from monitoring or medical monitoring. Minimum premiums and final terms depend on the account profile and coverages selected — Cochrane & Company works with agents to match risks to appropriate specialty markets. Territories and Availability This program is non-admitted and available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company leverages regional underwriting expertise to address the regulatory and environmental challenges common to alarm contractors operating in the Western U.S. Why Work With Cochrane & Company? As a Managing General Agency, Cochrane & Company offers focused access to specialty markets and hands-on underwriting for electronic security contractors. Agents benefit from: Dedicated program underwriters familiar with alarm and security exposures. Access to A+ XV–rated appetite and excess capacity where needed. Flexible package options that combine GL, E&O, property, inland marine, and crime. Responsive service and collaborative placement approach for tough or high-exposure accounts. For more information on our Alarm Installation Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in installing, servicing, or monitoring burglar alarms, fire alarms, intercoms, CCTV, and access control systems. Accounts with limited medical monitoring (under 15% of receipts) may also qualify. Is this program available on an admitted basis?No, this program is written on a non-admitted basis through various specialty carriers. What states is the program available in?The program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Are financial institution or vehicle alarm accounts eligible?Yes, risks involving banks, financial institutions, vehicle, or watercraft alarm systems can be considered under this program. What limits are available for General Liability?General Liability limits are available up to $3 million per occurrence/aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

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.