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

...s pest control contractors and exterminators of all sizes — from single-crew r...ommercial pest control operators, exterminators, wildlife removal contractors,...

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.

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.

Why do your clients need Residential Child Care Insurance? A child suffers bodily injury while using playground equipment on your client’s premises A parent files a false accusation of abuse or molestation against staff or volunteers An employee accidentally spills hot liquid on a child, causing injury A parent experiences emotional distress due to lack of proper permission for a field trip Residential Child Care Insurance Program from Cochrane & Company Cochrane & Company offers a targeted Residential Child Care Insurance program that helps agents place coverage for facilities and home-based operations that care for children. The program is underwritten for the unique liability and professional risks of residential child care—licensed or unlicensed—including operations that serve special needs children or run activities such as supervised swimming or keep pets on site. Ideal Accounts and Appetite This program is well suited for a variety of residential child care models, including: Small in-home day care and residential group homes Programs that accept drop-in or temporary placements Providers with pets on the premises Operations with access to public pools or shallow wading pools (up to 24" deep) Care providers serving special needs children Typical appetites include smaller, closely supervised operations and structured residential homes. Accounts with extensive commercial exposures, large congregate care facilities, or unmitigated high-hazard activities may require referral or alternative markets. Coverage Highlights and Advantages Professional Liability included automatically at the General Liability limit with no separate surcharge No liability deductible for simpler claims handling Child Molestation & Abuse Coverage up to $100,000 per occurrence / $300,000 aggregate, including off-premise incidents and corporal punishment Defense Cost Reimbursement option to help facility owners and employees facing allegations Medical Payments Coverage included automatically—covers enrolled children at no extra charge Hired & Non-Owned Auto Liability available where needed Expanded Bodily Injury Definition that can include sickness or disease resulting from emotional distress or mental anguish Underwriting Notes and Minimum Premiums Cochrane underwriters evaluate accounts with attention to supervision levels, staff hiring practices, building safety, and activity controls (pools, pets, transportation). Provide complete applications and loss histories for the fastest response. Minimum premiums and terms vary by account size, location, and specific exposures—submit full details so underwriters can tailor appropriate terms. Territories and Availability This program is available in: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Utah, Washington, and Wyoming. Most accounts are written on an admitted basis where that option exists; non-admitted placement may be used when required by risk characteristics or state availability. Why Work With Cochrane & Company? As a specialized Managing General Agency, Cochrane & Company brings decades of niche underwriting experience in specialty programs. Agents benefit from underwriters who understand child care exposures, flexible appetite for varied residential models, and access to multiple carrier options. The program’s built-in professional liability, abuse coverage, and no-liability-deductible approach make placement straightforward for many smaller providers. Example Accounts That Fit This Market You have a licensed in-home provider who cares for mixed-age children, keeps a family dog on site, and occasionally takes kids to a nearby wading pool—this program can often provide GL, professional liability, and abuse coverage in a single package. You work with a small residential group home that serves special needs children and provides supervised community outings; the program’s expanded bodily injury language and defense reimbursement option can address those exposures. Need more details on binding or placing an account? Submit a complete application or connect with a market specialist for guidance on documentation and preferred submission formats. Frequently Asked Questions What types of accounts are a good fit for this program? Residential or home-based child care providers, including those with pets, wading pools, special needs children, or drop-in care models, are the primary focus for this program. Is coverage available for abuse and molestation claims? Yes. Child Molestation & Abuse coverage is offered up to $100,000 per occurrence and $300,000 aggregate, including off-premise incidents. Are there any deductibles for liability coverage? No—this program typically has no liability deductible, which simplifies claims handling for your insureds. Which states is this program available in? The program is offered in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Does the program include Professional Liability? Yes—Professional Liability is automatically included at the General Liability limit with no additional premium. Need help placing an account? Connect with a market specialist.

Roofing Contractors Insurance Program from Cochrane & Company If you're looking to place roofing contractor accounts, Cochrane & Company offers a specialized Roofing Contractors Insurance program designed for qualified residential and light commercial roofers. Backed by an A+ XV A.M. Best Rated Excess & Surplus Lines Carrier and supported by responsive claims service, this program is ideal for experienced contractors with solid loss histories. Ideal Accounts and Appetite We are actively seeking roofing contractors with at least three years of experience in repairs, replacements, or new installations. Our program is best suited for contractors whose primary business (over 60%) involves repair or replacement work. New construction must make up no more than 40% of operations. Acceptable classes include: Residential roofing contractors Light commercial roofing contractors Restrictions include: No hot tar, torch-down, or other hot work No flat roof work Subcontracted work must be under 25% of total operations Example: You might have a client who operates a small residential roofing business focusing on shingle replacements and minor commercial patch jobs. This type of account is a great match for our underwriting appetite. Coverage Highlights and Advantages Our Roofing Contractors Insurance program provides broad protection tailored to the needs of roofing professionals. Available coverages include: Property Coverages: Basic, Broad, or Special Form options Property Extension Endorsement available Inland Marine coverage General Liability: Limits up to: $2 million general aggregate $2 million products/completed operations aggregate $2 million personal/advertising injury $2 million per occurrence $100,000 damage to rented premises $1,000 medical payments Deductibles: $1,000 BI / $2,500 PD Per Project Aggregate available Blanket Additional Insured and Limited Waiver of Subrogation options CG2037 Completed Operations endorsement available for commercial jobs Competitive state-chart rating tools Underwriting Notes and Minimum Premiums This is a non-admitted program available through Cochrane & Company’s strong carrier relationships. Minimum premiums vary based on risk characteristics and state-specific factors. We aim to provide competitive pricing for qualified risks with good loss experience. Territories and Availability Our Roofing Contractors Insurance program is available in the following states: California Idaho Montana New Mexico Oregon Washington Wyoming Why Work With Cochrane & Company As a Managing General Agency with decades of experience in the roofing and construction space, Cochrane & Company offers agents access to niche underwriting expertise and strong carrier partnerships. Our responsive team helps you navigate non-admitted placements efficiently and effectively—so you can serve your contractor clients with confidence. Thank you for considering Cochrane & Company’s Roofing Contractors Insurance program. We look forward to helping you place your next roofing risk. Frequently Asked Questions What types of accounts are a good fit for this Roofing Contractors Insurance program?We are looking for residential and light commercial roofing contractors with at least three years of experience and a focus on repairs and replacements. New construction should be limited to 40% of operations or less. Are hot tar or flat roof jobs eligible for coverage?No, our program excludes risks involving hot tar, torch-down applications, hot work, and flat roof work. Can subcontracted work be included?Yes, but subcontracted work must account for less than 25% of the contractor’s operations to qualify for this program. Which states is this program available in?This program is available in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is this program admitted or non-admitted?This is a non-admitted program written through an A+ XV A.M. Best Rated Excess & Surplus Lines Carrier. 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.

Special Events Insurance Program from Cochrane & Company Cochrane & Company offers a focused Special Events Insurance program that helps agents and brokers place one-day or short-term event liability for clients. Whether the insured is running a wedding reception, fundraiser, festival, corporate party, or concert, this program is designed to address the common exposures that arise at temporary events. As a Managing General Agency with more than 25 years of liquor liability experience, Cochrane & Company understands the added risks when alcohol service, temporary staff, volunteers, food vendors, and large crowds are involved. Policies are written on a non-admitted basis and are available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Ideal Accounts and Appetite This program is a good fit for short-duration events including: Weddings, receptions, and private parties Charity events and fundraisers Festivals, fairs, parades, and community events Corporate events and company functions Concerts and live performances (one-day or limited series) Events with on-site alcohol service—whether provided by the insured or a contracted vendor—are within appetite. Accounts hosted at rented venues, those using temporary workers or volunteers, and events with food vendors are also eligible. Higher-risk exposures such as large multi-day festivals, venues with known crowd-control issues, or events where underage drinking is uncontrolled should be reviewed with underwriters in advance. Coverage Highlights and Advantages The Special Events program includes coverages commonly requested for event placements: Liquor Liability: Separate limits available for negligent service to intoxicated or underage attendees General Liability: Coverage for bodily injury, property damage, and medical payments No Deductible: Reduces out-of-pocket exposure for insureds Damage to Rented Premises: Broader coverage than basic fire-only limits Food & Beverage Product Liability: Protection for food-borne illness and related claims Expense Costs Outside Policy Limit: Select costs can be paid outside the underlying limit to help preserve limits for third-party claims Additional Insured Endorsements: Venues and landlords can be added at no extra charge Temporary Workers & Volunteers: Automatically included as insureds where applicable Claims Expertise: Dedicated claims unit with liquor liability and event experience Underwriting Notes and Minimum Premiums Cochrane underwrites each event individually to allow flexibility in coverage and pricing. Minimum premiums vary by event type, size, and state. When submitting, be prepared to provide: Expected attendance and duration Alcohol service details (who serves, ticketed vs. open bar) Venue type (private residence, rented hall, outdoor park, etc.) Use of vendors, food trucks, or amusement vendors Information on security, crowd control, and temporary staffing Territories and Availability This program is available on a non-admitted basis in: Arizona, California, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington, and Wyoming. Availability may vary by carrier and odd-limit requests should be discussed with underwriting. Why Work With Cochrane & Company? Cochrane & Company brings decades of focused liquor and event liability underwriting. Their strengths include deep market relationships for alcohol liability placements, a claims unit experienced with event-related exposures, and flexible underwriting for single-event and small-series placements. Those features can help you place accounts quickly and reduce surprises at bind/claim time. Example scenarios you can place through this program: a couple hosting a private wedding reception at a rented venue with a hired bartender and food trucks; or a local nonprofit running a one-day outdoor fundraiser with volunteers and a temporary beer garden. Both situations typically fit the program when event controls and vendor agreements are in place. For more information or to submit a risk, contact Cochrane & Company or visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Events like weddings, festivals, corporate functions, and fundraisers—especially those involving alcohol service—are ideal for this program. Can venues be listed as additional insureds?Yes. Venues and landlords can be added as additional insureds at no extra cost under this program. Is liquor liability included in the policy?Liquor liability is available with separate limits and can be written alongside general liability to cover negligent service claims. What states is this program available in?This program is available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Are temporary staff and volunteers covered?Yes. Temporary workers and volunteers are typically included as insureds under the policy. Need help placing an account? Connect with a market specialist.

Used Car Dealers Insurance Program from Cochrane & Company If you're an agent or broker seeking a reliable market for used car dealerships and related vehicle sales operations, Cochrane & Company offers a flexible and responsive Used Car Dealers Insurance program. Designed for independent dealers across multiple vehicle classes, this program is ideal for clients looking for comprehensive garage coverage—even if they are new ventures with prior industry experience. Ideal Accounts and Appetite This program is built for a wide range of automotive sales operations, including those with niche or specialty vehicles. Common target accounts include: Independent used car dealerships RV and travel trailer dealers Heavy truck and equipment resellers Motorcycle, ATV, and snowmobile dealers Boat dealers (excluding on-water exposures) New ventures are acceptable when the insured has prior experience in automotive sales or operations, making this a strong option for start-up dealerships transitioning from other roles in the industry. Coverage Highlights and Advantages The Used Car Dealers Insurance program provides essential garage coverages tailored to the unique risks associated with vehicle sales. Key coverages include: Dealer’s Open Lot Coverage – for physical damage to vehicles held for sale Garage Liability – protects against third-party bodily injury and property damage Customized Questionnaires – for RVs, motorcycles, ATVs, and snowmobiles to ensure proper underwriting and rating Underwriting Notes and Submission Requirements To streamline the quoting process, agents should submit the following: Completed Garage Application RV Questionnaire (if applicable) Motorcycle and Off-Road Vehicle Questionnaire (if applicable) Minimum premiums vary based on account size and risk profile. The program is underwritten on a non-admitted basis through various carriers. Unacceptable Risks Certain operations fall outside the program’s underwriting appetite, including: Franchised dealerships selling cars, trucks, truck tractors, or semi-trailers Shops engaged in custom frame modification or fabrication Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Washington, and Wyoming. Why Work with Cochrane & Company? As a Managing General Agency with deep experience in niche commercial risks, Cochrane & Company offers access to competitive markets and knowledgeable underwriters. Whether you're placing a small used car lot or a multi-unit RV dealership, Cochrane provides the tools and support you need to deliver strong solutions to your clients. If you’re looking for a responsive partner to help you place your next dealership account, Cochrane & Company is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent used car dealers, RV and heavy equipment dealers, as well as motorcycle, ATV, snowmobile, and boat resellers (excluding on-water exposure). Can new ventures qualify for coverage?Yes, new ventures are considered if the insured has previous experience in the automotive or vehicle sales industry. What documents are required to submit a quote?You will need a completed Garage Application and, if applicable, RV or Motorcycle/Off-Road Vehicle Questionnaires based on the types of vehicles sold. Is this program available on an admitted basis?No, this is a non-admitted program written through various carriers. In which states is the program offered?This program is available in Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Washington, and Wyoming. Need help placing an account? Connect with a market specialist.

Specialty Contractors Insurance Program from Cochrane & Company Cochrane & Company offers a focused Specialty Contractors Insurance Program built for artisan and general contractors working in residential, commercial, or mixed-use construction. Backed by a carrier with an AM Best rating of A+ XV, this non-admitted program helps agents place contracting risks that may not fit standard admitted markets. As a Managing General Agency with deep underwriting experience and access to multiple markets, Cochrane & Company gives agents responsive service, flexible coverage forms, and endorsements commonly required by project owners and general contractors. Ideal Accounts and Appetite The program targets a select set of contracting classes, including both artisan trades and small-to-mid-size general contractors. Typical classes we write include: Carpenters and framers Electricians and HVAC contractors Plumbers and mechanical contractors Concrete, masonry, and drywall contractors Small-to-mid-size general contractors who manage subcontractors This is a non-admitted program, making it well suited for accounts that need underwriting flexibility or that fall outside admitted carrier guidelines. Accounts with high-hazard trades, poor loss history, or unusual operations may not fit—underwriters evaluate exposures on a case-by-case basis. Coverage Highlights and Advantages The Specialty Contractors Insurance Program emphasizes broad general liability protection with competitive limits and common construction endorsements that owners and GCs request. Key limits and coverages include: $2,000,000 General Aggregate $2,000,000 Products/Completed Operations Aggregate $2,000,000 Personal/Advertising Injury $2,000,000 Each Occurrence $100,000 Damage to Rented Premises $10,000 Medical Payments if contractually required; otherwise $1,000 maximum Frequently available endorsements: Additional Insured — Owners, Lessees, or Contractors Completed Operations for qualifying projects Primary and Non-Contributory wording Waiver of Subrogation Blanket Additional Insured with primary and waiver wording available (flat $250) Designated Construction Project General Aggregate Underwriting Notes and Minimum Premiums Minimum premiums vary by class, scope of work, and state. Cochrane & Company underwriters work with agents to evaluate exposures and provide competitive quotes. For quicker turnaround, include the full contractor application, recent loss runs, and a description or scope of current projects with your submission. Common restrictions: high-rise, heavy civil, oil/gas rig work, and some specialized design-build exposures may be outside appetite. Reach out to underwriters with details—many risks that look difficult in standard markets can be placed here with appropriate underwriting information. Territories and Availability This program is available in: AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Why Work with Cochrane & Company? Cochrane & Company brings decades of MGA experience placing niche and hard-to-place contractor risks. Agents gain access to knowledgeable underwriters, flexible non-admitted coverage forms, and fast response times aimed at helping you close business that needs tailored solutions. Example scenarios that typically fit this program: A mid-size framing contractor expanding into light-commercial projects who needs completed operations and blanket additional insured endorsements to meet owner requirements. An HVAC subcontractor with several ongoing retrofit jobs requiring primary and non-contributory wording and a waiver of subrogation on owner contracts. For more information about Cochrane & Company's Specialty Contractors Insurance Program, please contact us or visit our program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors working on residential, commercial, or mixed-use projects, including electricians, plumbers, HVAC technicians, framers, and similar trades. Is this insurance program admitted or non-admitted?This is a non-admitted program, which provides underwriting flexibility for hard-to-place or unique contractor risks that may not meet admitted carrier guidelines. What coverage limits are offered?The program can provide up to $2,000,000 in general aggregate, products/completed operations, and occurrence limits, along with coverages such as damage to rented premises and medical payments as noted in the program highlights. In which states is this program available?This program is available in AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Are blanket additional insured endorsements available?Yes. A blanket additional insured endorsement with primary and waiver wording is available for a flat fee of $250 when applicable. Need help placing an account? Connect with a market specialist.