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

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

...ight place a small residential exterminator who performs routine treatments an...

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 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.

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.

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.

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.

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.