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...erial application of chemicals, fertilizers, and other agricultural products. ...n aerial application of chemicals, fertilizers, or crop dusting using fixed-wi...

Cochrane & Company offers a focused Tree Trimmers Insurance program for businesses whose primary operations include planting, transplanting, pruning, fertilizing, pesticide/herbicide application, bracing, and tree removal. This program is designed for professional arborists and tree care contractors working in residential, commercial, or municipal settings. It is not intended for risks that involve logging, lumbering, or timber harvesting exposures. Ideal Accounts and Appetite This program targets tree trimming and arboriculture operations rather than timber or logging businesses. Typical accounts that fit the appetite include: Independent tree care contractors Licensed arborists and dedicated tree service companies Landscaping firms where tree trimming is a primary exposure Municipal tree care and public works vegetation crews Operations with logging, lumbering, timberland management, or extensive sawmill exposures do not fit this program. Coverage Highlights and Advantages Policies can be written monoline or packaged to match the insured’s needs. Key features include: Property Coverage Basic, Broad, or Special Form options Property Extension Endorsement Inland Marine coverage for specialized tools and equipment Commercial General Liability Primary limits available up to $3 million occurrence/aggregate Additional Interests - $100 each (Blanket Additional Insured option available) Excess or Umbrella limits up to $25 million Errors & Omissions coverage available as a Coverage Part Medical Payments - $5,000 limit Pesticide/Herbicide Applicator Coverage - available up to policy limits In-Transit Pollution Coverage - $25,000 per occurrence / $100,000 aggregate Property Damage Extension (Care, Custody, Control) - $5,000/$25,000 (higher limits available) Crime Coverage Inside the Premises - Theft of Money and Securities Inside the Premises - Robbery or Safe Burglary of Other Property Outside the Premises coverage available All accounts require a $1,000 minimum deductible. Cochrane & Company provides a Loss Prevention Brochure to help insureds reduce exposures and maintain compliance with industry best practices. Underwriting Notes and Minimum Premiums Minimum premiums vary by risk characteristics and coverage selections. Underwriters prefer accounts that demonstrate documented safety programs, certified arborist credentials, routine equipment maintenance, and a strong loss-control history. Additional insureds can be added individually or via a blanket endorsement to simplify certificate issuance. Territories and Availability This program is available on a non-admitted basis in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Writing on a non-admitted basis provides flexibility to place non-standard or challenging risks that may not fit admitted markets. Why Work With Cochrane & Company? As a Managing General Agency specializing in niche commercial programs, Cochrane & Company gives agents access to competitive carriers and responsive underwriting tailored to tree care operations. Their underwriting team understands the industry-specific risks—such as pesticide application, aerial lift operations, and property damage from falling limbs—and can structure limits and endorsements to address those exposures. Agents benefit from streamlined submissions, flexible additional-insured options, and loss-control resources designed for arborists and tree service providers. Example fits you might place through this program: A licensed arborist business performing residential pruning, tree planting, and occasional removals seeking CGL limits to $1M/$2M with inland marine for chippers and bucket trucks. A municipal tree maintenance contractor that applies pesticides and needs applicator coverage plus a blanket additional insured endorsement for city contracts. For more information on Tree Trimmers Insurance or to submit a submission, please contact Cochrane & Company. Frequently Asked Questions What types of accounts are a good fit for this Tree Trimmers Insurance program?This program is best for businesses where tree care—pruning, planting, fertilizing, pesticide application, and removal—is the core operation, such as arborists, tree service contractors, landscaping firms with primary tree exposure, and municipal tree crews. It excludes logging and timber-harvesting operations. Is this program available in all states?No. The program is currently offered on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Are there coverage options for pesticide or herbicide application?Yes. Pesticide/Herbicide Applicator Coverage is available up to policy limits, and In-Transit Pollution Coverage is included as specified in the policy. Can I add additional insureds for my client?Yes. Additional interests can be added for $100 each, and a Blanket Additional Insured endorsement option is available to streamline certificates and contract compliance. What is the minimum deductible required?All accounts written through this program carry a $1,000 minimum deductible. Minimum premiums vary based on exposures and coverage choices. Need help placing an account? Connect with a market specialist.

...pply herbicides, pesticides, or fertilizers as part of services If you have ... tied to herbicide, pesticide, and fertilizer use. Inland Marine – Protect...

... Agricultural commodities (fertilizer accepted provided ammonium nitrate ... commodity limits (no “iced” meat; fertilizer restricted by ammonium nitrate c...

Atlantic Risk Specialists, a division of VAIL - Value Added Insurance Lines, offers a nationwide Professional Liability Insurance program tailored for a broad range of professions and industries. With access to more than 100 admitted and non-admitted markets and placement capability in all 50 states plus Washington, DC, this program is designed to deliver competitive solutions for hard-to-place, niche, and complex professional risks. Overview of the Program From VAIL Atlantic Risk Specialists combines wholesale brokerage experience with flexible underwriting to place professional liability risks across both admitted and non-admitted markets. The program supports solo practitioners, small firms, start-ups, specialty providers, and larger organizations by offering tailored coverage options and responsive service backed by a nationwide distribution footprint. Ideal Accounts and Appetite This program has a broad appetite for professional liability classes, including: Directors & Officers (D&O) for public, private, nonprofit, and IPO-bound entities Employment Practices Liability (EPLI) — standalone or as part of Management Liability Fiduciary Liability for private companies, public entities, and labor unions Miscellaneous Professional Liability (errors & omissions) for: Mortgage brokers and bankers Real estate agents, brokers, and appraisers IT consultants, software developers, and data processors Property managers and real estate consultants Insurance agents, claims adjusters, and third-party administrators Title/escrow professionals, trustees, and home inspectors Lawyers Professional Liability, including solo practitioners and panels for distressed firms Cyber Liability and Data Breach coverage Healthcare Professional Liability for clinics, labs, dialysis and fertility centers, long-term care, physicians, and home health providers Architects & Engineers, including construction managers and environmental exposures Media liability and investment advisor / mutual fund D&O / E&O Crime protection solutions If you have clients in nonstandard or difficult-to-place industries, this program provides market access and underwriting flexibility to help secure customized coverage. Coverage Highlights and Advantages Primary and excess limits available across many classes Access to 100+ markets, including admitted and non-admitted carriers Standalone or packaged placements for EPLI, D&O, Fiduciary, Cyber and more Solutions for start-ups, distressed accounts, and specialty/single-risk scenarios No minimum premium requirement — suitable for small and large accounts Example fits: a solo attorney with a niche real estate practice seeking tailored E&O limits, or a new data analytics firm that needs combined E&O and cyber coverage while establishing operations. Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis. There is no minimum premium requirement, which makes the program accessible to a wide range of account sizes. Submissions with complete applications, loss runs, and supporting documentation receive the fastest consideration. Territories and Availability This program is available nationwide: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Why Work With VAIL and Atlantic Risk Specialists As a wholesale broker, VAIL and Atlantic Risk Specialists provide deep professional-lines expertise and broad market access. Their strengths include flexible underwriting for complex risks, responsive service for retail agents and brokers, and the ability to place business in both admitted and non-admitted markets. That combination makes them a strong partner when you need creative placement options or hard-to-find capacity. For all your Professional Liability Insurance placement needs, contact Atlantic Risk Specialists today! Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a wide range of professionals, including attorneys, healthcare providers, real estate professionals, consultants, tech firms, and nonprofits — especially accounts that need flexible or specialty placements. Is there a minimum premium required?No. There is no minimum premium, so the program is suitable for both small and larger accounts. Which states is this program available in?The program is available in all 50 states and Washington, DC. Can you place distressed or hard-to-place risks?Yes. Atlantic Risk Specialists leverages access to 100+ markets and flexible underwriting to find solutions for distressed or unusual risks. Is standalone coverage available for lines like EPLI or Cyber?Yes. Standalone options are available for several lines, including Employment Practices Liability and Cyber Liability. Need help placing an account? Connect with a market specialist.