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

Phoenix Risk Management offers a focused Agriculture Workers Compensation Insurance program built for the diverse needs of agricultural operations across the United States. As a Managing General Agency and Excess & Surplus Lines Broker, Phoenix Risk Management gives appointed agents access to more than 20 "A"-rated carriers and experienced underwriting tailored to farm, ranch and agribusiness risks. Whether the account is a California vineyard, a Texas cattle ranch, or a Midwest crop farm with seasonal harvest labor, we provide market access and placement expertise to help you place the coverage. Ideal Accounts and Appetite This program fits a wide range of agricultural class codes. We prefer insureds with continuous coverage and at least two years in business, but we will consider new ventures and accounts with a coverage lapse. Typical operations we place include: Crop farming — row crops, fruits and vegetables Livestock operations — cattle, poultry and swine Vineyards, wineries and grape growers Nurseries, greenhouses and sod farms Tree farms, orchards and specialty growers We regularly underwrite accounts with seasonal or large temporary labor forces, mixed operations that combine fieldwork and on-site processing, and commercial agribusinesses with multiple revenue streams. Coverage Highlights and Advantages Guaranteed-cost general workers compensation coverage Access to 20+ top-rated carriers for competitive options Admitted and non-admitted placements available Flexible solutions for standard and harder-to-place risks Accepts new ventures and accounts with prior gaps in coverage Underwriting Notes and Minimum Premiums Minimum Premium: $1,500.00 To speed submission review, include the following with your quote request: Completed ACORD Workers Compensation Application (must include FEIN, signed and dated) Completed PRM Supplemental Application (signed and dated) For the most competitive response, also provide when available: 4–5 years of currently valued loss runs (within 90 days of effective date) 4 years of aggregate payroll by class code Current experience modification worksheet (X-Mod), if available Detailed reports for any losses over $50,000 Territories and Availability Phoenix Risk Management places agriculture workers compensation in all U.S. states and Washington, D.C. — admitted and non-admitted options vary by state and carrier appetite, but we maintain broad territorial access for agents nationwide. Why Work With Phoenix Risk Management? Phoenix Risk Management combines deep agricultural underwriting experience with broad market relationships. As a resource for independent agents and brokers, we: Provide strong carrier access through MGA and excess & surplus channels Offer responsive underwriting that understands seasonal labor, multi-class exposures and mechanized farm operations Help place both straightforward and complex ag accounts — from small family farms to large commercial operations Example scenarios that fit our appetite: you may have a vineyard that needs coverage for seasonal harvest crews and winery processing operations, or a multi-site livestock operation with onsite feeding and sales requiring consolidated workers compensation across locations. Our underwriting team works with you to identify the right carrier strategy, whether admitted or non-admitted, and to gather the documentation needed for a competitive quote. Frequently Asked Questions What types of accounts are a good fit for this program?We target a broad range of agricultural businesses including crop farms, livestock operations, vineyards, nurseries and tree farms. We consider both established operations and new ventures. Is prior coverage required to qualify?While we prefer at least two years of continuous coverage, we will consider accounts with a lapse in coverage or startups on a case-by-case basis. What is the minimum premium for this program?The program’s stated minimum premium begins at $1,500, though final premium depends on class codes, payroll and underwriting factors. What documents are needed to get a quote?Required: signed ACORD workers comp application and PRM supplemental application. For the best response, include 4–5 years of loss runs, payroll by class code, and X-Mod details if available. In which states is this program available?We place coverage in all 50 states and Washington, D.C.; admitted vs. non-admitted options depend on carrier and state rules. Need help placing an account? Connect with a market specialist.

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

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.

CONTRACTORS EQUIPMENT INSURANCE INLAND MARINE Agents Insurance Markets, Inc. (AIM) offers a Contractors Equipment Insurance program designed for quick placement and straightforward servicing of equipment exposures. Whether your client owns, leases, or rents equipment, AIM provides prompt quotes and underwriting supported by admitted carriers such as Argonaut Insurance Company. The program is built for agents who need reliable Inland Marine solutions with fast turnaround and agent-friendly service. Ideal Accounts and Appetite This program fits businesses that rely on mobile or stationary equipment for commercial, agricultural, or industrial operations. Typical appetites include: General contractors and subcontractors Construction and roadbuilding companies Logging and forestry operations Agricultural and farm equipment (including personal farm use) Industrial, landscaping, and grounds-keeping businesses Short-term policies are available for leased or rented equipment, making the program a practical option for seasonal work and discrete projects. Coverage Highlights and Advantages Special Form Inland Marine coverage tailored for contractors equipment Mono-line capability—standalone Inland Marine policies Admitted paper through reputable carriers for contract and regulatory compliance Competitive rates with low deductibles and low minimum premiums to serve small and mid-size accounts Short-term and project-specific policies available AIM emphasizes practical coverage wording and responsive claims service so your insureds can get back to work quickly after a loss. Underwriting Notes and Minimum Premiums Underwriting is flexible across a wide range of equipment values and usage profiles. The program accommodates owned, leased, and rented equipment and supports both long-term schedules and short-term project policies. Low minimums make it viable for smaller accounts; contact AIM for specific underwriting guidelines or to discuss borderline risks. Territories and Availability This program is available in the following states and the District of Columbia: Georgia (GA) Indiana (IN) Kentucky (KY) Maryland (MD) Mississippi (MS) North Carolina (NC) Ohio (OH) South Carolina (SC) Tennessee (TN) Virginia (VA) Washington, D.C. (DC) All coverage is issued on admitted paper to help insureds meet contract requirements and regulatory standards in these territories. Why Work With Agents Insurance Markets, Inc.? AIM is a Managing General Agency with deep underwriting expertise in contractors equipment and Inland Marine risks. By partnering with admitted carriers like Argonaut Insurance Company, AIM delivers agent-focused service, competitive pricing, and consistent underwriting decisions. The team is set up for fast quote turnaround and hands-on support throughout the policy lifecycle. Example scenarios where this program fits well: You have a road construction client that needs six-month coverage for leased bulldozers and graders while on a single project. An independent logger requires seasonal coverage for harvest equipment that sits idle for portions of the year. Frequently Asked Questions What types of accounts are a good fit for this program?Contractors, construction firms, landscapers, loggers, farmers, and other businesses that own or lease equipment for operational use are an ideal fit. Is short-term coverage available?Yes. Short-term policies are available for leased or rented equipment and for project- or season-specific needs. What types of equipment are eligible?Eligible equipment includes construction, logging, agricultural, landscaping, forestry, and many types of industrial machinery—both owned and leased. Which states is this program available in?The program is available in GA, IN, KY, MD, MS, NC, OH, SC, TN, VA, and DC. What carrier backs the coverage?Coverage is written on admitted paper through Argonaut Insurance Company. Need help placing an account? Connect with a market specialist.