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...t on. Cochrane & Company’s Exterminators and Pest Control Insurance progra... licensed pest control operators, exterminators, wildlife removal services, an...

EXTERMINATOR'S LIABILITY FOR NC AND VA Your go-...g regional pest control firm, our Exterminator's Liability program is designed...

Insurance for Pest Control Operators Pest control professionals protect homes, businesses, and public spaces from harmful pests — but their operations carry distinct risks. Ryan Specialty National Programs offers a dedicated Pest Control Insurance program built for pest control businesses and the agents who place them. The program provides agents access to broad, market-aware coverage options tailored to this niche industry, with flexible limits and in-house umbrella capacity. This program addresses exposures such as property damage, transit pollution, job-site contamination, and professional liability. Whether your client is a startup or an established operator, Ryan Specialty National Programs helps you place a package that matches their operations and risk profile. Ideal Accounts and Target Classes Ryan Specialty’s Pest Control Insurance program is designed for a wide range of pest management businesses, including: General pest control services Fumigation (non-residential tenting) Termite inspection and treatment providers Small animal and nuisance wildlife control New ventures are considered, and the program accepts accounts across a broad range of sizes and experience levels. Coverage Highlights and Advantages The program provides broad, customizable coverage components, including: General Liability and Professional Liability – Covers job-site and transit pollution cleanup, termite treatment/inspection exposures, personal & advertising injury, and lost key coverage Property Coverage – Wind coverage available Crime Commercial Auto Workers’ Compensation Inland Marine Excess / Umbrella Liability – In-house binding authority up to $10M, with limits available to $35M Key Benefits: Care, Custody and Control included Broad form property damage Unlimited reporting period for WDI/treatment and inspection — no sunset clause Optional endorsements such as Blanket Additional Insured, Waiver of Subrogation, Hired/Non-Owned Auto, and more Underwriting Notes and Minimum Premiums The minimum premium for General Liability begins at $750. Typical submission requirements include: Completed supplemental application(s) Standard ACORD forms Five years of currently valued loss runs for GL and WC License and resume for new ventures Common appetite notes: the program is set up for day-to-day pest control operations, termite work (non-residential tenting), fumigation services (commercial), and small-animal removal. Accounts with significant property remediation, high-hazard chemical applications, or extensive residential tenting are less likely to fit — consult underwriting for borderline risks. Territories and Availability The program is available nationwide, including all 50 states and Washington, DC. This program is offered on a non-admitted basis in all jurisdictions, providing consistent underwriting and quoting across the U.S. Why Work With Ryan Specialty National Programs? Ryan Specialty National Programs is a program administrator with deep niche expertise in commercial specialty lines. Agents benefit from responsive underwriting, flexible appetite, and access to competitive national capacity for pest control risks. The in-house umbrella binding authority and optional endorsements make it simpler to assemble a comprehensive package for your clients. Example accounts that often fit well: a regional termite inspection and treatment firm that needs unlimited WDI reporting plus GL and professional liability; or a small wildlife removal company seeking package coverage that includes commercial auto and inland marine for equipment in transit. If you have a client with routine pest control operations or commercial fumigation without residential tenting, this program is worth considering. Contact Ryan Specialty National Programs for more details on placing Pest Control Insurance or to discuss specific submissions. Pest Control Insurance Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for pest control operators, termite inspectors, commercial fumigation services (excluding residential tenting), and small animal control companies. Is this program available for new ventures?Yes. New ventures are considered; underwriting will request a license and resume as part of the submission. What is the minimum premium for General Liability?The minimum premium for General Liability coverage starts at $750. In which states is this program available?This pest control insurance program is offered in all 50 states and Washington, DC on a non-admitted basis. What coverage limits are available?Standard limits include $1M/$1M, with options up to $1M/$3M and $5M aggregate. Umbrella limits are available up to $35M. Need help placing an account? Connect with a market specialist.

Brownyard’s PCOpro® is a specialized insurance program designed to meet the unique needs of Pest Control Operators (PCOs) and Wildlife Control Operators. As an industry leader, Brownyard provides comprehensive liability coverage and a range of additional protections to safeguard businesses from the risks they face in their daily operations. With a strong focus on general and professional liability, PCOpro offers broad protection against potential claims, including coverage for environmental exposures and business-related liabilities. The program also includes options for commercial auto, workers’ compensation, property, inland marine, and employee dishonesty coverage, ensuring a well-rounded approach to risk management. PCOpro is available through highly rated insurance carriers and is written at competitive premium rates. Licensed and admitted in most states, the program is accessible through insurance agents or brokers, making it a reliable and trusted solution for pest control professionals nationwide. By continually adapting to industry changes and emerging risks, Brownyard’s PCOpro remains a state-of-the-art insurance solution, offering peace of mind and financial protection for businesses in the pest control industry.

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.

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.

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.

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.

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.

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.