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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...

...sured’s needs. Who We Help Christmas markets and holiday pop-ups Sle... seasonal winter operations such as Christmas tree lots, sleigh rides, ice skating events, ...

...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...

Looking for reliable coverage solutions for your garage service and repair clients? The Garage Service & Repair Insurance program from Cochrane & Company focuses on risks that service or repair a broad range of vehicle types—including mobile operations. Backed by carriers accessible through an underwriter with an AM Best A+ relationship, this program delivers flexible, industry-focused protection tailored to today’s auto service businesses. Overview of the Program From Cochrane & Company Cochrane & Company offers a specialized Garage Service & Repair Insurance program designed for automotive and heavy-vehicle service businesses across a variety of specialties. The program is particularly strong in the Western U.S. and is structured to cover exposures created by both fixed-location shops and mobile service operations. Ideal Accounts and Appetite This program fits a wide range of garage and vehicle-related classes. Typical accounts include: ATV sales and repair shops Bus sales and repair Mobile mechanics and mobile diesel repair Motorcycle and scooter sales/service Heavy truck, tractor, and RV repair facilities Used car dealerships Tow truck operators (non-fleet) Auto, boat, and RV storage facilities Oil and lube shops Parking structures The program is open to new ventures on a sublimit basis when ownership and mechanic experience are acceptable. It commonly accommodates mixed operations (for example, a used-car lot that also offers light repair) and most business-use vehicles can be scheduled. Coverage Highlights and Advantages Liability: Limits to $1,000,000 per occurrence / $3,000,000 aggregate. Garagekeepers: Private passenger, light & medium trucks: $50,000 per unit / $500,000 aggregate. Heavy trucks, tractors, buses: $150,000 per unit / $500,000 aggregate. Any combination of autos: $500,000 aggregate. Available Legal Liability and Direct Primary options. Maximum deductible per occurrence: $5,000. Property: Building, contents and business income coverage available. Vehicle Scheduling: Most business-use vehicles are eligible to be scheduled on the policy. Underwriting Notes and Minimum Premiums Submissions require a completed garage application plus any applicable supplements: Heavy Equipment Service or Tow Operator Questionnaire, and a Motorcycle/Off-Road Supplement when relevant. Underwriters will ask for ownership and mechanic experience, details on building and lot security, and a current loss history. New operations are considered but generally on a sublimit basis until experience and controls are established. Minimum premiums vary by class and coverages selected—discuss specific minimums with your Cochrane representative when you submit a risk. Territories and Availability This non-admitted program is available in AZ, CA, CO, ID, MT, NV, OR, UT, WA, and WY. Cochrane & Company works with multiple carrier markets to tailor solutions regionally; availability and terms will vary by state and specific exposure. Why Work With Cochrane & Company? As a Managing General Agency with specialty expertise in garage and auto-related risks, Cochrane & Company provides underwriting that understands shop and mobile exposures. Their team is positioned to help place tougher or mixed-class accounts and can respond quickly with market options and flexibility on coverages like garagekeepers and property. You might have a client who just launched a mobile diesel repair service needing garagekeepers and liability limits while operating from temporary sites. Or you may be placing a used-car dealer that also offers light repair and short-term storage—Cochrane’s program can often combine those exposures under one submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a broad range of garage operations including mobile mechanics, motorcycle repair shops, heavy truck service centers, used car dealerships, tow operators (non-fleet), storage facilities, and similar vehicle service businesses. Is this program available for new ventures?Yes. New ventures are acceptable on a sublimit basis. Underwriters will require details about owner and staff experience, security measures, and a clear plan for operations. What is the maximum limit available for garagekeepers coverage?Garagekeepers limits include up to $150,000 per unit for heavy vehicles with a $500,000 aggregate. Both Legal Liability and Direct Primary forms are available depending on the account. Which states is this program available in?The program is offered in AZ, CA, CO, ID, MT, NV, OR, UT, WA, and WY. Terms and availability vary by state since the program is non-admitted. What documents are required to submit a risk?You’ll need a completed garage application, any applicable supplements (e.g., Tow Operator, Motorcycle/Off-Road), details on owner/mechanic experience, property security information, and the insured’s loss history. Need help placing an account? Connect with a market specialist.

...on and maintenance, and incidental tree trimming (tree trimming must be less than 15% of tota...enue by service type (showing percent tree work), payroll, list and values of ...

Cochrane & Company is proud to introduce its new Admitted Dealer & Repair Insurance Program, designed specifically for garage operations that sell, service, or repair a wide range of vehicles. Backed by an AM Best “A” rated carrier, this program is a strong solution for agents seeking comprehensive coverage options for clients with unique garage exposures. Ideal Accounts and Appetite This program is tailored for a diverse range of garage-related businesses, including both established operations and new ventures. Eligible risks include: Auto Maintenance & Repair Shops Auto Paint & Body Shops Heavy Truck and Tractor Dealers/Repair Mobile Auto Repair Services RV & Trailer Dealers and Repair Shops Motorcycle and Off-Road Vehicle Dealers Non-Franchised Auto Dealers Boat Engine Repair (on land) Emergency Vehicle Sales/Repair Valet Parking Operations Auto Dismantling & Salvage Yards (AZ only) Coverage is currently available in Arizona and California, with some variations in eligible classes by state. Coverage Highlights and Advantages The Dealer & Repair Insurance Program provides robust protection across key exposures: Garage Liability: $1,000,000 per occurrence / $3,000,000 aggregate Garagekeepers Coverage: Heavy trucks and tractors: $150,000 per unit / $500,000 aggregate Mixed auto types: $500,000 aggregate Legal Liability and Direct Primary options available Maximum deductible per loss: $5,000 Property Coverage: Building, contents, and business income Additional Coverages: Signs, glass, E&O for auto dealers Optional Liability Extensions: Part sales, lessor’s risk, mini-marts, and more Vehicle Scheduling: Most business-use vehicles can be listed Whether your client operates a mobile repair service or a multi-location repair shop, this program offers flexibility and depth of protection. Underwriting Notes and Minimum Premiums New ventures are welcome, and underwriting requires a completed Garage Application along with relevant supplements, including: Heavy Vehicle Equipment Service or Tow Operator Questionnaire Owner and mechanic experience overview Building and lot security details Motorcycle/Off-Road Supplement (if applicable) Minimum premium varies depending on risk characteristics and selected coverages. Territories and Availability This admitted program is currently available in: Arizona – Full range of eligible classes California – Select classes, including repair shops, body shops, mobile repair, and RV/trailer dealers Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings decades of experience in specialty insurance markets. Their Dealer & Repair Insurance Program is built with agent needs in mind, offering flexible underwriting, quick turnaround, and access to admitted markets with strong financial backing. Whether you're placing a startup mobile mechanic or a high-volume heavy truck dealer, Cochrane & Company is ready to help you secure the right coverage for your client. For more information on how to submit a risk or to request a quote, please contact Cochrane & Company today. We look forward to helping you grow your garage-related book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto repair shops, body shops, mobile mechanics, RV and trailer dealers, heavy truck service centers, and non-franchised auto dealers—especially those located in Arizona or California. Is this program available for new business ventures?Yes, new ventures are acceptable. Underwriters will review experience, operations, and security measures as part of the submission process. What coverages are included in the Garagekeepers portion of the policy?The Garagekeepers coverage includes Legal Liability and Direct Primary options, with limits up to $500,000 aggregate depending on vehicle types. Are vehicles used in the business eligible to be scheduled?Yes, most vehicles used in the insured’s operations can be scheduled under the policy, subject to underwriting review. Which documents are required to get a quote?A completed Garage Application is required, along with applicable supplements such as the Heavy Vehicle Equipment or Tow Operator Questionnaire, experience details, and security information. Need help placing an account? Connect with a market specialist.

Make a killing in profits—with coverage your clients can count on. Cochrane & Company’s Exterminators and Pest Control Insurance program is tailored for pest control operators and exterminators who specialize in the detection, treatment, and removal of insects, rodents, birds, bats, raccoons, and other nuisance wildlife. This program is also suitable for businesses that perform radon testing (including placement and removal of canisters) and apply herbicides in their services. Ideal Accounts and Appetite Our program is a strong fit for licensed pest control operators, wildlife removal services, and businesses offering both residential and commercial pest management solutions. If you have clients who work in structural pest control, termite inspections, or herbicide applications, this program is designed with their unique risks in mind. Sample accounts that fit well include: A regional pest control company servicing commercial properties and handling termite inspections. A wildlife control operator offering humane removal of raccoons, bats, and birds from residential homes. Coverage Highlights and Advantages This comprehensive program includes essential coverages that help safeguard pest control professionals from liability and property-related exposures. General Liability and Related Coverages: Primary Limits: Up to $3,000,000 Occurrence / Aggregate Excess or Umbrella Limits: Up to $25,000,000 Additional Interests: $100 each Blanket Additional Insured Option: $250 No Deductible Required Included Coverages: $5,000 Medical Payments Pesticide/Herbicide Applicator Coverage – Policy Limits Wood Destroying Organism Inspection – $25,000 per Occurrence / $100,000 Aggregate (Higher Limits Available) In-Transit Pollution Coverage – $25,000 per Occurrence / $100,000 Aggregate Care, Custody, Control Property Damage Extension – Up to $200,000 per Occurrence / $300,000 Aggregate Lost Key Coverage – $25,000 Limit Property Coverage Options: Building and Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value (ACV) Equipment Breakdown Contractor’s Equipment Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage: Available for losses occurring inside and outside the premises. Underwriting Notes and Minimum Premiums This is a non-admitted program with access to a variety of carriers, allowing for flexibility in underwriting. Minimum premiums vary depending on account size, operations, and coverage selections. Our underwriters are experienced in handling pest control risks and work closely with appointed agents to tailor coverage appropriately. Territories and Availability This program is currently available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Why Work With Cochrane & Company Cochrane & Company is a trusted Managing General Agency (MGA) with deep expertise in specialty commercial insurance programs. Our Exterminators and Pest Control Insurance program is backed by knowledgeable underwriters and strong carrier relationships. We offer responsive service, competitive pricing structures, and the flexibility needed to help you place hard-to-insure accounts in this niche market. Looking for more information on Exterminators and Pest Control Insurance? Contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed pest control operators, exterminators, wildlife removal services, and businesses involved in herbicide application or radon testing. Is this program available on an admitted basis?No, this is a non-admitted program. Coverage is placed through various non-admitted carriers depending on the risk and location. What limits are available under this program?Primary liability limits are available up to $3 million Occurrence/Aggregate, with Excess or Umbrella limits up to $25 million. Property and specialty coverages also offer flexible limits. Are there any underwriting restrictions?Each submission is reviewed individually. Accounts must operate within eligible states and involve standard pest control or related services. Unusual exposures may require additional underwriting consideration. Which states is this program offered in?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.

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.

Why do your clients need Residential Child Care Insurance? A child suffers bodily injury while using playground equipment on your client’s premises A parent files a false accusation of abuse or molestation against staff or volunteers An employee accidentally spills hot liquid on a child, causing injury A parent experiences emotional distress due to lack of proper permission for a field trip Residential Child Care Insurance Program from Cochrane & Company Cochrane & Company offers a targeted Residential Child Care Insurance program that helps agents place coverage for facilities and home-based operations that care for children. The program is underwritten for the unique liability and professional risks of residential child care—licensed or unlicensed—including operations that serve special needs children or run activities such as supervised swimming or keep pets on site. Ideal Accounts and Appetite This program is well suited for a variety of residential child care models, including: Small in-home day care and residential group homes Programs that accept drop-in or temporary placements Providers with pets on the premises Operations with access to public pools or shallow wading pools (up to 24" deep) Care providers serving special needs children Typical appetites include smaller, closely supervised operations and structured residential homes. Accounts with extensive commercial exposures, large congregate care facilities, or unmitigated high-hazard activities may require referral or alternative markets. Coverage Highlights and Advantages Professional Liability included automatically at the General Liability limit with no separate surcharge No liability deductible for simpler claims handling Child Molestation & Abuse Coverage up to $100,000 per occurrence / $300,000 aggregate, including off-premise incidents and corporal punishment Defense Cost Reimbursement option to help facility owners and employees facing allegations Medical Payments Coverage included automatically—covers enrolled children at no extra charge Hired & Non-Owned Auto Liability available where needed Expanded Bodily Injury Definition that can include sickness or disease resulting from emotional distress or mental anguish Underwriting Notes and Minimum Premiums Cochrane underwriters evaluate accounts with attention to supervision levels, staff hiring practices, building safety, and activity controls (pools, pets, transportation). Provide complete applications and loss histories for the fastest response. Minimum premiums and terms vary by account size, location, and specific exposures—submit full details so underwriters can tailor appropriate terms. Territories and Availability This program is available in: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Utah, Washington, and Wyoming. Most accounts are written on an admitted basis where that option exists; non-admitted placement may be used when required by risk characteristics or state availability. Why Work With Cochrane & Company? As a specialized Managing General Agency, Cochrane & Company brings decades of niche underwriting experience in specialty programs. Agents benefit from underwriters who understand child care exposures, flexible appetite for varied residential models, and access to multiple carrier options. The program’s built-in professional liability, abuse coverage, and no-liability-deductible approach make placement straightforward for many smaller providers. Example Accounts That Fit This Market You have a licensed in-home provider who cares for mixed-age children, keeps a family dog on site, and occasionally takes kids to a nearby wading pool—this program can often provide GL, professional liability, and abuse coverage in a single package. You work with a small residential group home that serves special needs children and provides supervised community outings; the program’s expanded bodily injury language and defense reimbursement option can address those exposures. Need more details on binding or placing an account? Submit a complete application or connect with a market specialist for guidance on documentation and preferred submission formats. Frequently Asked Questions What types of accounts are a good fit for this program? Residential or home-based child care providers, including those with pets, wading pools, special needs children, or drop-in care models, are the primary focus for this program. Is coverage available for abuse and molestation claims? Yes. Child Molestation & Abuse coverage is offered up to $100,000 per occurrence and $300,000 aggregate, including off-premise incidents. Are there any deductibles for liability coverage? No—this program typically has no liability deductible, which simplifies claims handling for your insureds. Which states is this program available in? The program is offered in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Does the program include Professional Liability? Yes—Professional Liability is automatically included at the General Liability limit with no additional premium. Need help placing an account? Connect with a market specialist.