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...erey Bay region Growers and harvesters of strawberries, vegetables, row cr...

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.

...uana Greenhouses • Processors / Harvesters • Edible Cannabis Manufacturers • W...

...ns Third-Party Processors / Harvesters Manufacturers of Goods and Equi...

Farm Insurance — Monterey Bay, CA (Scurich Insurance Services) Scurich Insurance Services offers a focused Farm Insurance program for agents placing Monterey Bay-area farm risks and small agricultural operations across California. This program is designed for farms that need more than a standard commercial property or personal auto policy — it addresses real farm exposures such as tractors, irrigation systems, livestock and specialty farm structures. Use this market when your client needs farm-specific forms, equipment schedules, or tailored limits for agricultural operations. Overview of the Program The program covers traditional farm property and operations with attention to farm machinery, trailers, irrigation equipment, and livestock exposures. Coverage can be extended to specialty items often found in rural Monterey Bay operations — for example satellite communications equipment, antennas, chicken coops, silos, fences and feed racks. Some carriers participating in the program provide automatic coverage for newly acquired equipment for a limited period (for example, an interim limit for new equipment purchases), which helps bridge the gap while schedules are updated. Ideal Accounts and Appetite Small to mid-sized row crop, orchard and specialty crop farms in the Monterey Bay and broader California region Hobby farms and weekend agritourism properties that combine dwelling and farming exposures Farms needing scheduled equipment lists, livestock coverage or coverage for farm structures such as silos and coops Nurseries, small greenhouses and limited-value processing or packing operations closely tied to the farm This program is best for accounts that have routine farm operations and standard farm equipment. Accounts with unusual high-hazard exposures, large-scale commercial processing, or specialized agricultural chemicals may require additional underwriting review or separate placements. Coverage Highlights and Advantages Industry-specific property coverage for tractors, combines and other farm machinery Optional livestock coverage and protections for farm trailers and irrigation systems Ability to schedule buildings and specialty structures common to Monterey Bay farms (coops, silos, fencing) Endorsement flexibility to match the use and occupancy of farm equipment and structures Local market expertise from Scurich — underwriters familiar with California farm exposures and seasonal risks Underwriting Notes When submitting, include details about farm operations, acres under cultivation, types of livestock, equipment schedules, past claims history and any agritourism or processing activities. Be prepared to describe the use of mobile equipment, pesticide or fertilizer application practices, and loss-prevention measures such as storage and security for high-value items. Since program appetite focuses on routine agricultural operations, accounts with extensive custom harvesting, large feedlot operations, or complex processing should be discussed with underwriting prior to submission. Territories and Availability This program is available for risks in California, with a particular emphasis on Monterey Bay and surrounding agricultural communities. Check with Scurich underwriters for availability outside the immediate region. Why Work With Scurich Insurance Services Scurich provides niche farm underwriting and policy servicing designed for agents who place agricultural accounts. The team can help you identify coverages your client needs, prepare equipment schedules and craft endorsements for unique farm items. If you have a farm account that standard commercial markets won’t fit cleanly, Scurich can help you find appropriate forms and limits tailored to the operation. Example Accounts A small Monterey County vegetable farm that needs scheduled coverage for multiple tractors, an irrigation system and a detached packing shed. A weekend hobby farm with a few livestock, a tractor, fencing and a residential dwelling that requires a combined farm/property solution rather than separate personal policies. Frequently Asked Questions What types of farm accounts are a good fit for this program?Small to mid-sized crop farms, orchards, nurseries and hobby farms in the Monterey Bay area that require scheduled equipment, livestock coverage or farm structure protection are the best fit. Accounts with routine farm operations and documented loss control practices match the program appetite. Will new equipment purchases be covered automatically?Some carriers in the program offer interim coverage for newly acquired equipment for a limited period while schedules are updated. Confirm the specific automatic coverage limits and timeframes with underwriting at submission. What submission information underwriters need from agents?Provide a description of operations, acres and crop types (or livestock numbers), an equipment list with values, recent loss history, details of any agritourism or processing activities, and information on storage and security practices for high-value assets. Does the program include liability for farm operations?Yes — liability for farm operations can be included or added via endorsements. Coverage scope and limits will depend on the account’s operations and exposures; discuss specifics with Scurich underwriters when placing the risk. How quickly can I get a quote or bind coverage?Turnaround depends on the completeness of the submission and the complexity of the risk. Providing full equipment schedules, loss runs and operational details upfront will expedite underwriting review and quoting. Need help placing an account? Connect with a market specialist.

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.