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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.

Apartment House Insurance Program from Cochrane & Company Cochrane & Company offers a comprehensive Apartment House Insurance program tailored for residential rental properties with five or more units. This includes apartment buildings, complexes, apartment hotels, and boarding or rooming houses. Designed for independent agents and brokers, this program helps you secure the right coverage for your clients in a specialized and competitive market. With backing from a specialty carrier rated A+ XV by A.M. Best, you can quote with confidence knowing your insureds are supported by a financially strong partner. Ideal Accounts and Appetite This program is ideal for habitational risks such as: Apartment buildings or complexes with 5+ units Apartment hotels and extended-stay lodging Boarding and rooming houses You might have a client who owns a 20-unit apartment building in Washington or a regional property manager with multiple complexes across Idaho and Oregon—this program is built to handle those scenarios and more. Coverage Highlights and Advantages Our Apartment House Insurance program offers robust coverage options to protect both property and liability exposures common to multi-unit residential operations. Coverage Features: Apartment House Insurance Primary General Liability limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no charge Hired and Non-owned Auto coverage Excess or Umbrella limits available up to $25 million Available Property Coverages: Building Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Inland Marine Equipment Breakdown Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime: Coverage available both inside and outside the premises. Underwriting Notes and Minimum Premiums The program is written on a non-admitted basis, offering flexibility in underwriting and customized solutions for unique habitational risks. Carriers vary depending on risk characteristics. Minimum premiums also vary by account size and location. Submissions with complete property information and loss histories are encouraged to streamline the underwriting process. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Why Work With Cochrane & Company? As a trusted Managing General Agency with deep experience in habitational risks, Cochrane & Company provides fast, knowledgeable service and access to strong specialty markets. With underwriting expertise and tailored solutions, we help agents like you win and retain business in the apartment and multifamily property space. For more information on our Apartment House Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings or complexes with five or more units, apartment hotels, and boarding or rooming houses located in our available states. Is this program admitted or non-admitted?This is a non-admitted program, allowing for flexible underwriting and broader risk appetite for habitational exposures. What states is the program available in?The program is offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What coverages are included in the standard offering?Standard coverage includes general liability with limits up to $3 million, $5,000 medical payments, additional interests at no charge, and optional umbrella/excess limits up to $25 million. Property coverages are also available. How do I get a quote or submit an account?Submit complete applications with property details and loss history directly to Cochrane & Company. Contact their underwriting team for submission guidelines. Need help placing an account? Connect with a market specialist.

Serve your clients confidently with Cochrane & Company’s specialized Bar & Tavern Insurance program. Designed for a wide range of hospitality businesses, this package offers tailored coverage solutions for establishments that serve alcohol and face unique risk exposures. Overview of the Program From Cochrane & Company Cochrane & Company is a trusted Managing General Agency (MGA) with a strong presence in the Pacific Northwest. Our Bar & Tavern Insurance program is a non-admitted solution built to address the complex liability and property exposures faced by bars, taverns, nightclubs, and similar venues. We work with a variety of carriers to provide flexible underwriting and competitive options for your hard-to-place accounts. Ideal Accounts and Appetite This program is ideal for: Bars and taverns with high liquor-to-food sales ratios Establishments with dance floors or live entertainment Gentlemen’s clubs Nightclubs and lounges Venues offering gambling or gaming New ventures entering the bar or nightclub space Businesses providing outside catering services that serve alcohol We accept high-risk classes that many standard carriers avoid. If you have a client with a startup club or a bar featuring weekend DJs and a robust nightlife crowd, this program can help you place that business with confidence. Coverage Highlights and Advantages Bar & Tavern Insurance features include: Competitive pricing options Comprehensive package offering General Liability, Property, and Liquor Liability Hired and Non-Owned Auto coverage Employment Practices Liability (EPLI) Equipment Breakdown Identity Recovery Coverage Non-auditable policy for simplified administration Assault & Battery coverage Double aggregate limits on Liquor Liability Medical Payments included Flexible underwriting for high liquor-to-food sales ratios We remain silent on certain classes and apply sublimits on others, allowing us to craft a solution that balances flexibility with underwriting discipline. Underwriting Notes and Minimum Premiums Minimum premiums vary based on class and location. A 10% down payment and 11-month installment plan option is available to help your clients manage cash flow. We take a practical approach to underwriting, focusing on the business’s operations, controls, and history rather than rigid criteria. Territories and Availability This program is currently available in the following states: Idaho (ID) Montana (MT) Oregon (OR) Washington (WA) All placements are non-admitted, offering the flexibility needed to write challenging risks in this sector. Why Work With Cochrane & Company? Agents and brokers choose Cochrane & Company because we understand the nuances of bar and tavern risks. Our experienced underwriters are familiar with the exposures your clients face and can offer practical solutions for tough classes. With access to multiple markets, efficient service, and a commitment to helping you succeed, we make it easier to write and retain this specialized business. For questions or more information regarding Bar & Tavern Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this Bar & Tavern program?We target bars, taverns, nightclubs, gentlemen’s clubs, and similar venues—especially those with high liquor sales, entertainment, or unique exposures that are difficult to place in the standard market. Is this program available for new ventures?Yes, new ventures are eligible. We will consider startup bars and clubs with detailed business plans and proper risk management in place. What coverages are included in the package?The package can include General Liability, Property, Liquor Liability, Assault & Battery, EPLI, Hired/Non-Owned Auto, and more. In which states can I write business through this program?This program is available in Idaho, Montana, Oregon, and Washington. What is the payment structure for this program?We offer a 10% down payment option with 11 monthly installments to make premium payments more manageable for your clients. Need help placing an account? Connect with a market specialist.

Bring in the green this holiday season with Christmas Tree Lot Insurance from Cochrane & Company—a specialty program built to protect the unique exposures associated with seasonal tree lots and related holiday attractions. Overview of the Program From Cochrane & Company Cochrane & Company is a trusted Managing General Agency that places niche insurance programs for seasonal and specialty operations. Our Christmas Tree Lot Insurance provides tailored general liability coverage for businesses that operate during the holiday season, including temporary tree lots, tree farms with public access, “cut-your-own” operations, and small holiday attractions. Policies under this program are written on a non-admitted basis with access to specialty carriers—making it a fit for short-term or otherwise hard-to-place risks. Ideal Accounts and Appetite This program targets seasonal Christmas tree operations and related attractions. Ideal classes include: Retail Christmas tree lots (temporary sidewalk or parking-lot locations as well as permanent lots) Christmas tree farms that invite the public onto their property “Cut your own” operations where customers harvest trees on-site Lots that offer hayrides, wagon rides, or similar seasonal activities Lots that include small amusement devices (bounce houses, kiddie rides) subject to underwriting review You might have a client who runs a pop-up lot in a shopping-center parking area, or a family farm that operates tree-cutting weekends with hayrides—those are exactly the types of accounts this program was designed to place. Coverage Highlights and Advantages Minimum liability deductible: $500 Available limits: $1 million per occurrence $2 million general aggregate $1 million products/completed operations aggregate Assault & Battery coverage: Included — $25,000 per occurrence / $50,000 aggregate Flexible rating: Rates based on admissions and operational exposures, making the program suitable for short seasonal windows or event-style operations Note: Higher limits are not available under this program. Underwriting Notes and Minimum Premiums Underwriting evaluates accounts based on season length, site layout, crowd controls, safety practices, and expected admissions. Minimum premiums vary with the scope of operations, number and type of attractions, and projected visitor volume. Accounts with amusement devices, animal interactions, elevated crowd density, or other higher-risk exposures may require supplemental underwriting or may be ineligible. Territories and Availability This program is available in the following states: California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. All placements are non-admitted and placed with specialty markets through Cochrane & Company. Why Work With Cochrane & Company? With decades of experience in seasonal and specialty markets, Cochrane & Company gives agents access to hard-to-place risks and responsive underwriting during the limited selling window these clients have. We move quickly on short-term accounts, understand seasonal operations, and can help structure coverages that match the client’s actual exposures. If you need placement support or a market that will consider temporary or unique holiday operations, Cochrane can help. For more information regarding Christmas Tree Lot Insurance, please do not hesitate to contact us! Frequently Asked Questions What types of accounts are 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 amusement attractions are good fits. Is this program available in all states?No. It is currently available only in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Are amusement devices or animal rides covered?Small amusement devices may be eligible but require additional underwriting review. Animal rides are typically not eligible and should be disclosed up front. What limits are available under this program?Limits are up to $1M per occurrence, $2M general aggregate, and $1M products/completed operations aggregate. Higher limits are not available. How are premiums calculated?Rates are based on admissions and the specific operational exposures of the account. Minimum premiums vary based on the size and features of the operation. Need help placing an account? Connect with a market specialist.

Commercial Auto Refrigeration Insurance Coverage from Cochrane & Company Do you place trucking clients that haul temperature-sensitive freight and need refrigeration-specific protection? Cochrane & Company, a Managing General Agency with deep transportation expertise, offers access to multiple markets for Commercial Auto Refrigeration Insurance Coverage. Our markets remain active in a space where many carriers have pulled back, and we place business with A.M. Best A+ rated carriers when available. Overview This program helps agents place refrigerated trucking accounts that require coverage for cargo spoilage and refrigeration breakdowns, in addition to standard auto and liability protections. We focus on established operators who can demonstrate consistent equipment maintenance and operational controls. Ideal Accounts and Appetite We write commercial auto risks that transport refrigerated goods — produce, dairy, frozen foods and other temperature-sensitive loads. Target accounts include owner-operators and small to mid-size fleets with a documented maintenance program. Spoilage coverage is not available to brand-new ventures. Example accounts that often fit the program: A regional produce distributor with a small fleet of temperature-controlled trucks and routine maintenance logs. An established frozen-food logistics company that moves long-haul loads across the western U.S. and can provide service history for reefers. Coverage Highlights and Advantages Markets available through Cochrane & Company can provide a combination of coverages designed for refrigerated transportation, including: Cargo insurance for temperature-sensitive goods Commercial auto liability Physical damage for power units and reefers Truckers general liability (GL) Refrigeration breakdown coverage Broadened reefer breakdown wording — available in select states Spoilage coverage is available upon request but requires documentation of maintenance and is not offered to new ventures. Our carriers expect proof of regular servicing and detailed loss-control practices when a spoilage or breakdown claim occurs. Underwriting Notes and Minimum Premiums Underwriting is focused on well-documented, experienced risks. Agents should be prepared to submit: Refrigeration equipment maintenance and service records Driver and operational history Loss runs and cargo handling procedures Minimum premiums vary by market, state, and account complexity. Provide complete documentation up front to improve placement options and pricing accuracy. Territories and Availability This program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Coverages are placed with a mix of admitted and non-admitted carriers depending on the state and the specific carrier appetite. Why Work With Cochrane & Company As a specialized MGA, Cochrane & Company brings decades of experience placing specialty transportation risks. We maintain relationships with markets willing to write refrigeration breakdown exposures and work directly with agents to structure appropriate coverage. Our regional expertise, market access, and focus on documented, well-managed accounts make us a reliable partner for placing hard-to-place refrigerated trucking risks. For more information about Commercial Auto Refrigeration Insurance Coverage or to discuss a submission, contact us. Need help placing an account? Connect with a market specialist. Frequently Asked Questions What types of accounts are a good fit for this program?Established trucking operations that haul refrigerated produce or frozen foods and maintain their equipment regularly are ideal. New ventures are not eligible for spoilage coverage. Is spoilage coverage available?Yes. Spoilage coverage is available upon request, including for loads rejected due to temperature issues. It requires documentation of equipment maintenance and operational controls and is not offered to new ventures. Which states is this program available in?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Do you offer coverage for refrigeration breakdown?Yes. Refrigeration breakdown coverage is available, and broadened reefer breakdown wording can be offered in select states. What documentation is required for underwriting?Underwriters typically require proof of regular servicing and maintenance of refrigeration equipment, operational history, and loss runs. Providing these documents up front improves placement prospects.

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.

Cochrane & Company's Dwelling Fire Insurance program is designed to help independent agents and brokers find reliable coverage solutions for residential dwellings that may fall outside the scope of traditional homeowners markets. Whether you're placing business for owner-occupied, tenant-occupied, seasonal, or vacant properties, our flexible underwriting and broad appetite can help you serve a wide range of client needs. Ideal Accounts and Appetite This program is well-suited for one-to-four family residential dwellings, including: Owner-occupied or tenant-occupied properties Vacant dwellings Seasonal or secondary homes Properties undergoing renovations or construction (Builders Risk/Course of Construction) Dwellings with low or high property values Properties in unprotected areas (e.g., limited fire protection) We also accept hard-to-place risks that may not qualify for standard markets. For example, you might have a client with a vacant rental property in a rural area or a landlord with multiple tenant-occupied units—both could be a great fit for our Dwelling Fire Insurance solution. Coverage Highlights and Advantages Our program offers customizable coverage options tailored to your insured’s needs. Available coverages include: Fire and Extended Coverage Vandalism & Malicious Mischief Burglary Fair Rental Value Additional Living Expense DP-1 and DP-3 Forms Premises Liability Optional Personal Liability (including day care for up to five children) Monoline Liability or Monoline Property Residential Vacant Land – Monoline Liability Medical Payments Unit Owner’s Coverage for Condominiums This flexibility allows you to design a policy that meets the specific exposures of each property, making it easier to place challenging accounts. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on the risk profile and selected coverages. Our team works with you to find solutions for unique and non-standard risks. We focus on underwriting flexibility to help you place accounts that don’t fit in the traditional market. Territories and Availability This program is currently available in the following states: AK, CA, ID, MT, NM, ND, OR, WA, and WY. Please note that not all coverages are available in every state—reach out to our team for state-specific eligibility and coverage details. Why Work With Cochrane & Company? Cochrane & Company is a trusted Managing General Agency offering specialized insurance solutions for unique and hard-to-place residential property risks. With access to a variety of carriers and a focus on customized underwriting, we provide responsive service and a strong market for agents who need alternatives to admitted homeowners programs. Let us help you find a home for your tough-to-place dwelling fire risks. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for one-to-four family dwellings, including vacant homes, seasonal properties, and tenant-occupied rentals—especially those that fall outside standard underwriting guidelines. Can I submit risks that are under renovation or construction?Yes, our Dwelling Fire Insurance program accepts Builders Risk and Course of Construction exposures, including properties undergoing renovations. Is this program available in all states?No, it is currently available in AK, CA, ID, MT, NM, ND, OR, WA, and WY. Coverage availability may vary by state. What liability options are available?We offer Premises Liability and optional Personal Liability, including coverage for in-home daycare operations for up to five children. Are monoline options available?Yes, both Monoline Liability and Monoline Property policies are available, providing additional flexibility for unique accounts. Need help placing an account? Connect with a market specialist.

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.