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LANDSCAPE GARDENING LIABILITY INSURANCE For NC and VA MORE THAN 30 YEARS INSURING CONTRACTORS We are your go-to market for all contractors, whether BIG or SMALL! Overview of the Program From Agents Insurance Markets, Inc. Agents Insurance Markets, Inc. provides targeted General Liability solutions for landscape gardening and lawn care contractors across North Carolina, Virginia and the District of Columbia. With more than 30 years placing contractor business, we combine niche underwriting expertise and access to flexible non-admitted markets to help you place accounts that need tailored limits and endorsements. Ideal Accounts and Appetite This program is designed for a broad range of landscape and grounds-maintenance operations, including: Landscape gardeners and full-service landscapers Lawn care and grass-mowing services Tree pruning, trimming, dusting and spraying Stump grinding and light site cleanup Residential and commercial maintenance contractors Typical fits are contractors performing routine lawn and landscape services, seasonal crews, and firms that need higher limits or specific policy features not available in standard admitted markets. Accounts with heavy excavation, major tree removal, or extensive subcontracted heavy civil work generally fall outside this appetite. Coverage Highlights and Advantages The program centers on comprehensive General Liability with options and endorsements that align with contractor exposures: General Liability limits available up to $5,000,000 Occurrence-form coverage Excess liability available to increase limits Property Enhancement form options Equipment and tools coverage via property floaters Additional Insured endorsements, primary wording and waiver of subrogation available Per-project aggregate limits offered where required by contract Damage to premises rented to you (up to $100,000) and Medical Payments (up to $5,000) Underwriting Notes and Minimum Premiums Underwriting focuses on the specific operations, claims history, contract exposures and equipment values. We place business with reputable non-admitted carriers to offer greater flexibility on limits and endorsements. While the program offers competitive minimums for qualifying accounts, final pricing depends on the insured’s operations, payroll/subcontractor usage, past losses and requested coverages. Territories and Availability This program is available to agents writing business in North Carolina (NC), Virginia (VA) and the District of Columbia (DC). Policies are placed through non-admitted carriers where appropriate; please confirm state availability and any local licensing requirements when submitting. Why Work With Agents Insurance Markets, Inc. As a Managing General Agency specializing in contractor classes, Agents Insurance Markets, Inc. pairs experienced underwriting with fast, practical service. We help agents place accounts that need flexible wording, higher limits, or equipment protection not always available in admitted markets. Our team supports quick turnaround on submissions and can assist with policy language for owner or venue additional insured requests and per-project aggregates. Example Accounts That Fit This Program A small commercial landscaping contractor that maintains office campus grounds, uses light tractors and hires seasonal crews, and needs a $2M general liability limit with additional insured wording for the property owner. A solo lawn care operator who carries mowers, a chipper and trailer equipment and wants scheduled equipment coverage plus general liability on an occurrence basis. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits landscape gardeners, lawn care and mowing services, tree pruning and stump grinding contractors, and both residential and commercial landscapers operating in NC, VA and DC—especially when higher limits or specific endorsements are needed. Is this program available for new landscaping businesses?Yes. We consider both new ventures and established companies. Each submission is evaluated on operations, experience, equipment and exposures. What are the key coverage options included in this program?Key options include General Liability up to $5 million, Property Enhancement forms, Equipment Floaters, Additional Insured endorsements, Waiver of Subrogation, per-project aggregates and excess liability. Can I write both residential and commercial landscaping risks?Yes. The program accepts both residential and commercial landscaping accounts provided they meet underwriting guidelines for operations and exposures. What carriers do you work with for this program?We place business with various reputable non-admitted carriers to provide flexibility in limits and policy wording tailored to your client’s needs. Need help placing an account? Connect with a market specialist.

Environmental Insurance Coverage — Cochrane & Company Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs. Overview of the Program This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers. Ideal Accounts and Appetite Environmental contractors performing remediation, site work, or contracting services with pollution exposures. Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection. Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage. Owners/operators of storage tanks, fuel handling locations, and dry cleaners. Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL). Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information. Coverage Highlights and Advantages Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements. Excess placement up to $10,000,000 — supported and unsupported options depending on the account. Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships. Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events. MCS-90 filings available when auto is bound in conjunction with GL. Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account. Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory. Territories and Admitted Status Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis. Why Work With Cochrane & Company Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms. Example Accounts A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations. An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity. Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information. Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?Good fits include environmental and restoration contractors, manufacturers or distributors of environmental/industrial products, storage tank owners, dry cleaners, and fleets with pollution exposures. Ideal accounts have documented controls, manageable loss history, and clear scopes of work. What minimum premium and limits should I expect?Minimum premiums start at $2,500.00. Limits are account-specific; excess capacity is available up to $10,000,000. Final pricing and available limits depend on class, loss history, and underwriting review. Are these placements admitted or non-admitted?This program is placed through non-admitted markets (no admitted filings indicated). State availability and filing requirements will be confirmed during underwriting. What submission information do underwriters typically require?Provide a completed application, recent loss runs, description of operations/scope of work, any environmental assessments or protocols, and relevant contracts or indemnity language. Additional site or project details may be requested for large or complex risks. Is MCS-90 available for accounts with auto exposure?Yes — broadened pollution endorsements and MCS-90 filings are available when Auto Liability is written in conjunction with General Liability. Underwriters will confirm specific filing requirements per state and account. Need help placing an account? Connect with a market specialist.

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.

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