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

...ncy, Inc. offers a specialized Exterminators Insurance program for licensed pe...rritories and Availability This Exterminators Insurance program is available...

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.

1-4 Family Dwelling Insurance Program from Cochrane & Company As a trusted Managing General Agency, Cochrane & Company offers a specialized insurance solution for 1-4 family dwellings. This program is designed specifically for properties owned by individuals or corporate investors and used as income-generating rentals. Whether your client owns a duplex, triplex, or fourplex—this program offers the flexibility and protection they need. Ideal Accounts and Target Risks This program is well-suited for a wide range of rental property ownership scenarios, including: Single-family homes and multi-family dwellings (up to 4 units) Properties owned by real estate investors—individuals, LLCs, or corporations Owner-occupied 2-4 family properties (credit available) Mobile homes used as rental dwellings Locations rented seasonally or on a timeshare basis Examples of ideal placements include a client who owns multiple duplexes across Idaho and Oregon for long-term rentals, or a property investor with seasonal vacation rentals in Nevada. Locations with boat docks or slips can also be considered. Coverage Highlights and Advantages This program provides robust liability and property protection specifically tailored to the risks of rental dwellings: Liability Coverage Features: No General Liability Deductible Expanded bodily injury definition to include emotional distress and mental anguish Hostile Fire Exception to Pollution Exclusion Defense costs paid outside the liability limits Hired and Non-Owned Auto Liability coverage available in most states Medical expense limits up to $25,000 Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate Commercial Umbrella coverage available up to $5,000,000 Property Coverage Features: Special and Basic Form options Replacement Cost Coverage available Business Income and Rental Value coverage Owner’s Contents and Equipment Breakdown coverage Available in Protection Classes 1–8 Coverage available in hail and tornado-prone areas (special deductible may apply) Renovation coverage available Commercial property limits up to $1,000,000; coastal areas up to $500,000 (wind and hail excluded) Flexible Policy Options Monoline Liability Monoline Property Package policies available Underwriting Notes and Minimum Premiums This is a non-admitted program with access to various carriers. Minimum premiums vary based on property characteristics, location, and selected coverages. Cochrane & Company works closely with agents to review submissions and tailor coverage to fit each risk. Territories and Availability Available in the following states: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you write rental property business in these regions, this program offers a competitive and flexible market solution. Why Work with Cochrane & Company? With deep experience in E&S markets and property liability programs, Cochrane & Company stands out as a reliable partner for placing hard-to-place or non-standard dwelling risks. Their ability to consider a wide range of property uses—including seasonal rentals, renovations, and mobile homes—makes them a valuable resource for agents seeking flexible solutions for their investor clients. Have questions about the 1-4 Family Dwelling Insurance program or want to discuss a specific account? Contact Cochrane & Company today to learn more. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for 1-4 family dwellings owned by individuals or corporations for rental purposes, including seasonal, timeshare, and mobile home properties. Can I place properties under renovation in this program?Yes, coverage is available for properties under renovation, subject to underwriting approval and applicable limits. Is this an admitted or non-admitted program?This is a non-admitted program offered through various carriers, giving flexibility in underwriting and pricing. Are coastal properties eligible for coverage?Yes, coastal properties can be considered with limits up to $500,000 per location; however, wind and hail are excluded. What states is this program available in?Cochrane & Company offers this program in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

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.

A handy way to bring in business is through Cochrane & Company's Artisan Contractor Insurance program. Property and liability coverages are available on a monoline or package basis for contractors who specialize in eligible trade operations. This program is tailored to meet the needs of artisan contractors working in residential and commercial markets. Ideal Accounts and Appetite This program is designed for small to medium-sized artisan contractors operating in the following areas: New construction (except in California) Remodeling projects Residential or commercial work New ventures and startups Operations with up to 25% subcontracted work Common eligible trades include general carpentry, electrical, plumbing, drywall, HVAC, painting, and similar contractor classes. Coverage Highlights and Advantages Cochrane & Company's Artisan Contractor Insurance program offers flexible and competitive terms designed to support growing contractor businesses. Key features include: Gross receipts up to $10 million accepted $500 minimum premium for structural artisan contractors Coverage for buildings up to 10 stories in height Primary non-contributory wording (scheduled basis only) Blanket additional insured endorsement available Designated construction project aggregate with a policy cap of $8 million This program is ideal for agents serving new or expanding artisan contractors looking for broad and practical coverage solutions. Underwriting Notes and Minimum Premiums Business is written on a non-admitted basis, giving Cochrane & Company the flexibility to craft solutions for accounts that may not fit standard markets. The program accepts both new ventures and established contractors. Minimum premium requirements vary depending on the risk, with structural artisan contractors starting at $500. Territories and Availability The Artisan Contractor Insurance program is available in the following states: California, Idaho, Montana, New Mexico, Ohio, Washington, and Wyoming. Note: New construction is not eligible in California. Why Work With Cochrane & Company As a Managing General Agency with deep experience in contractor risks, Cochrane & Company offers agents access to a responsive underwriting team and multiple carrier partners. Their focus on small to mid-sized artisan contractors makes them an ideal partner for placing hard-to-place or growing accounts. You might have a client who’s a new residential remodeling contractor with limited experience but solid financials — or perhaps a seasoned HVAC contractor looking to expand into commercial work. Cochrane & Company can help you place those accounts with confidence. For more information or questions regarding Artisan Contractor Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Small to medium-sized artisan contractors specializing in residential or commercial work, including new ventures and remodeling projects, are ideal fits. Is new construction covered under this program?Yes, new construction is eligible in all available states except California. What is the maximum gross receipt level accepted?This program accepts accounts with gross receipts up to $10 million. Can contractors with subcontracted work be considered?Yes, operations with up to 25% subcontracted work are eligible for consideration. Which states is this program available in?The program is available in CA, ID, MT, NM, OH, WA, and WY. 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 Inland Marine Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Commercial Inland Marine Insurance program designed to help agents and brokers place business that falls outside the scope of standard commercial property policies. With access to multiple carriers and a broad appetite, this program allows you to serve a wide range of clients with mobile or specialized assets that require tailored coverage solutions. Coverage is available on a monoline or package basis, giving you flexibility to meet your insureds' specific risk profiles. Whether your client needs protection for equipment on the move, valuable papers, or fine arts, Cochrane & Company provides solutions that help you expand your book of business with confidence. Ideal Accounts and Target Classes This program is well-suited for businesses with mobile, movable, or specialized property exposures. Target classes include, but are not limited to: Accounts Receivable Mobile Agricultural Machinery and Equipment Animal Floaters Bailees Customers Computer Systems Coverage Optional coverages available Contractor’s Equipment Exhibition Coverage Commercial Fine Arts Breakage coverage available Golf Carts Installation Coverage Miscellaneous Articles Prize Indemnification Signs Trip Transit Valuable Papers If you work with clients who transport goods, display fine art, lease equipment, or maintain mobile operations, this program offers the protection they need. Coverage Highlights and Advantages Inland marine policies through Cochrane & Company help fill key gaps left by traditional property insurance. Highlights of available coverages include: Protection for property in transit or on location Optional breakage and theft coverage Specialized coverages for contractors, exhibitions, and more Flexible terms for a wide variety of classes You might have a client who operates a landscaping business and needs coverage for their trailer-based equipment across multiple job sites, or an art gallery that requires protection for fine art during transport and display. This program is built to meet those needs. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class and risk characteristics. Cochrane & Company underwrites each submission individually and works with multiple carriers to find the best fit. The program is non-admitted, allowing for greater flexibility in tailoring solutions for unique or hard-to-place risks. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Cochrane & Company is actively seeking business in these regions and welcomes submissions from licensed agents and brokers. Why Work With Cochrane & Company? As a trusted Managing General Agency with decades of experience, Cochrane & Company provides expert underwriting, responsive service, and access to a broad array of markets. They specialize in helping agents and brokers find creative solutions for risks that don’t fit the standard market mold. With a wide appetite and flexible approach, Cochrane & Company is an excellent partner for placing inland marine business. For more information about how to quote Commercial Inland Marine Insurance with Cochrane & Company, please contact their team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets clients with mobile property or specialized inland exposures, such as contractors, equipment dealers, art galleries, and agricultural operations. Is this coverage available on a monoline basis?Yes, Cochrane & Company offers Commercial Inland Marine Insurance on both a monoline and package basis. What is the minimum premium for this program?Minimum premiums vary based on the class and risk characteristics. Contact Cochrane & Company for specific underwriting guidance. Is the program admitted or non-admitted?This is a non-admitted program, which allows for greater flexibility in underwriting and coverage customization. In which states is this program available?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Need help placing an account? Connect with a market specialist.

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.