Search CompleteMarkets

...ncy, Inc. offers a specialized Exterminators Insurance program designed for pe...mmercial insurance markets. Their exterminators program is supported by strong...

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

... client is a small residential exterminator or a growing commercial operation,...

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

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 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 Commercial Auto Insurance program is designed for businesses that operate not-for-hire vehicles within a 300-mile radius. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company offers flexible underwriting, broad coverage options, and competitive solutions for a wide range of commercial auto exposures. Ideal Accounts and Appetite This program is ideal for businesses that own and operate their own vehicles as part of their operations but do not engage in for-hire transport. Eligible risks include: Catering services Farms and dairies Household goods movers Wholesale and retail delivery Food delivery (non-pizza) Courier and mobile businesses Magazine and newspaper distributors Armored car operations Manufacturing and funeral services Vacuum trucks and street sweepers Contractors, cranes, and boom trucks Ready-mix operations (cement mixers, concrete pumpers) Ineligible exposures include any for-hire or revenue-generating transport units, hazardous or petroleum-based materials (except incidental), pizza delivery, student drivers, triple trailers, and risks that allow non-employee passengers or involve mobile home, log, or biohazardous waste hauling. Coverage Highlights and Advantages Cochrane & Company provides comprehensive coverage options tailored to the diverse needs of commercial auto clients. Available features include: Automobile liability limits up to $5 million Uninsured/Underinsured motorists, medical payments, and personal injury protection Physical damage coverage Motor truck cargo coverage Multi-line discounts where applicable Flexible reporting capabilities allow agents to select from multiple reporting bases, including mileage, gross receipts, per vehicle, and total insured value, with real-time updates. Coverage lines include commercial auto liability, physical damage, hired auto, trailer interchange, and inland marine motor truck cargo. Underwriting Notes and Minimum Premiums To submit a risk, agents should be prepared to provide: Loss information for the current and previous three years Complete VINs for all power units A full driver list Motor Vehicle Reports (MVRs) for all drivers Minimum premiums vary depending on the nature and size of the account. All drivers must have acceptable MVRs to qualify. Territories and Availability This program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most markets are non-admitted, providing greater flexibility for unique or hard-to-place risks. Why Work With Cochrane & Company? With decades of experience as an MGA and E&S broker, Cochrane & Company delivers industry-specific expertise and responsive service. Agents benefit from access to multiple carriers, robust underwriting knowledge, and a commitment to helping you place accounts that may not fit standard markets. Whether your client is a local milk distributor or a contractor needing coverage for a boom truck, Cochrane & Company can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Businesses that operate their own vehicles within a 300-mile radius, such as farms, contractors, food delivery (excluding pizza), and mobile service providers, are ideal candidates. Are for-hire or revenue-generating vehicles eligible?No, this program is designed for not-for-hire business vehicles. For-hire transport units should be referred to Cochrane & Company’s trucking operations program. What information is required to submit a risk?Agents must provide loss runs for the current and prior three years, full VINs, a complete driver list, and acceptable MVRs for all drivers. Is coverage available for businesses hauling hazardous or petroleum-based materials?No, these are ineligible under this program. However, incidental hazardous materials (e.g., cleaners, batteries) are acceptable, and petroleum risks may qualify for Cochrane’s petroleum marketer program. What states is the program available in?This Commercial Auto Insurance program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

Clean up with confidence using the Janitorial Insurance program offered by Cochrane & Company. Designed specifically for janitorial contractors and cleaning service providers, this program delivers tailored coverage to meet the unique risks and exposures faced in the industry. Whether your clients are performing routine office cleaning, handling more complex tasks like window washing or crime scene cleanup, or preparing interiors for tenant move-ins, this program is built to support their operations. Ideal Accounts and Appetite This program is ideal for commercial janitorial contractors involved in general cleaning services, window washing, interior construction make-ready operations, and even specialized services like crime scene cleanup. It is not intended for accounts primarily engaged in debris removal or demolition-related work. Example accounts that may be a good fit include: A janitorial company that services office buildings and maintains a small fleet of floor waxing equipment. A cleaning contractor that provides post-construction interior cleanup and touch-ups before occupancy. A regional window cleaning company with multiple crews serving commercial buildings. Coverage Highlights and Advantages Janitorial Insurance coverage highlights include: Commercial general liability, property, and inland marine coverage Broad additional coverages tailored for janitorial operations: Contractor's equipment floater Rental reimbursement for damaged or out-of-service equipment Lost key coverage, addressing the cost of rekeying client locations Property damage extension Blanket additional insured endorsement available for commercial clients Support for independent contractors, up to 25% of total receipts This program helps mitigate common risks such as: Accidental damage to client property during cleaning (e.g., countertop surface damage) Slip-and-fall liability after mopping or waxing floors Lost keys requiring lock replacements across multiple client sites Unexpected equipment failures requiring rental replacements Underwriting Notes and Minimum Premiums This is a non-admitted program with access to a variety of carriers through Cochrane & Company. Minimum premiums vary depending on account size, operations, location, and risk characteristics. Submissions should include detailed descriptions of services, revenue breakdowns, and prior loss history when available. Territories and Availability The Janitorial Insurance program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company maintains regional expertise in these markets and understands the local challenges faced by janitorial service providers. Why Work With Cochrane & Company? As a trusted Managing General Agency with decades of experience, Cochrane & Company offers agents access to specialty programs and markets that are often difficult to place. Their Janitorial Insurance program is underwritten with real-world industry knowledge and supported by responsive service, competitive products, and flexible coverage options. Whether you’re placing a new account or looking to improve terms for an existing client, Cochrane & Company is a strong partner for this niche. For more information regarding Janitorial Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this Janitorial Insurance program?Commercial janitorial contractors performing general cleaning, window cleaning, interior construction prep, or crime scene cleanup are ideal. Accounts focused on debris removal are not eligible. Does the program cover independent contractors?Yes, independent contractors are allowed up to 25% of total receipts under this program. Is this program available on an admitted basis?No, this is a non-admitted program with coverage available through various markets. In which states is the program available?This program is currently offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What types of additional coverages are included?The program includes coverages such as equipment floaters, rental reimbursement, lost key coverage, and property damage extensions tailored to janitorial operations. Need help placing an account? Connect with a market specialist.

With the legalization of medical and recreational marijuana in more and more states, the cannabis industry is poised for rapid growth and increased revenue opportunities for businesses. Your clients working in this sector face unique risks—and they need insurance solutions tailored to those exposures. Whether it’s property damage, theft, transportation incidents, or liability concerns, Cochrane & Company can help you secure the right Marijuana Insurance coverage for your clients. Specialized Coverage for a Specialized Industry Cochrane & Company offers a comprehensive Marijuana Insurance program designed specifically for businesses in the medical and recreational cannabis space. From dispensaries to grow operations and infused product manufacturers, we understand the complex needs of these operations and provide access to carriers and coverage options that address their risks. Key Coverages Available Our program includes a wide range of coverages that can help protect your client’s business in the event of loss or liability: • Products Liability • Equipment Breakdown • Accounts Receivable • Valuable Papers • Money and Securities • Government Actions Reimbursement • Property Coverage • Buildings • Tenant Improvements • Finished Stock • Business Personal Property • Transportation – including transit from grower to dispensary or dispensary to patient These coverages are designed to address the real operational risks cannabis businesses face every day. Target Classes We Serve We work with a wide variety of cannabis-related businesses, including: • Indoor Crop • Schools • Testing Labs • Dispensaries • Retail Outlets • Lessors Risk for Landlords to Marijuana Facilities • Growing Operations (Indoor and Outdoor) • Greenhouses • Bakeries • Hydroponic Stores • Infusion Centers • Edible Manufacturers If you have a client operating in one of these sectors, we may be able to provide a tailored insurance solution through our program. Program Availability and Underwriting Our Marijuana Insurance program is available in the following states: AK, AZ, AR, CA, CO, CT, FL, HI, IL, LA, ME, MD, MA, MI, MN, MT, NV, NH, NJ, NM, NY, ND, OH, OR, PA, RI, VT, and WA. Admitted products are available in some states. This program is underwritten through select markets that understand the evolving cannabis landscape. Whether your client is just entering the market or expanding operations, we can help you find the right fit across our carrier relationships. Why Work With Cochrane & Company? As a Managing General Agency with deep experience in placing cannabis-related risks, Cochrane & Company provides the expertise, market access, and service you need to confidently serve clients in this high-growth sector. We’re here to help you navigate the complex underwriting and compliance challenges of this industry and deliver customized insurance solutions that meet your clients’ needs. We are happy to answer any questions you may have and help you get appointed with Cochrane & Company. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed cannabis-related businesses such as dispensaries, indoor and outdoor grow operations, edible manufacturers, testing labs, and landlords leasing to marijuana facilities. Is coverage available for transportation of cannabis products?Yes, our program includes transportation coverage, including transit from growers to dispensaries and from dispensaries to patients. Which states is this program available in?The Marijuana Insurance program is available in over 30 states, including CA, CO, FL, IL, MA, MI, NY, OR, and WA. Availability may differ by coverage type. Are admitted markets available?Yes, admitted markets are available in some states, depending on the type of coverage and the location of the risk. How can I get appointed to access this program?Contact Cochrane & Company directly to begin the appointment process and gain access to our cannabis insurance markets. 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.