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...cific exposures faced by custom harvesters. We work with you to place accounts...ogram?We’re a great fit for custom harvesters of all sizes, from single-operat...

Forest Insurance — Victor O. Schinnerer & Company, Inc. Victor O. Schinnerer & Company, Inc. offers a dedicated Forest Insurance program designed for timber-related operations. The program covers core exposures associated with logging, log road construction, reforestation, chipping operations, and hauling of logs and chips. Available coverages include commercial general liability, commercial auto, and umbrella protection (specific coverages and forms may vary by state). Overview of the Program From the Company This program is offered through Victor O. Schinnerer & Company, Inc. as a Managing General Underwriter with market access to Chartis. It is positioned for agents who need a market that understands the unique operational, equipment and transportation risks of the forest and timber industry. Underwriting focuses on matching appropriate limits and endorsements to on-site exposures and fleet operations. Ideal Accounts and Appetite Independent loggers and small-to-mid-sized logging contractors Companies that build and maintain log roads Reforestation contractors and timber stand improvement crews Chipping and grinding operations located at yards or landing sites Contract haulers of logs and wood chips (dedicated fleets and owner-operators) Good candidates have documented safety programs, routine equipment maintenance, qualified drivers, and manageable transportation routes. Accounts with chronic loss histories, large-scale aerial logging, or significant unmitigated environmental exposures will require additional underwriting review. Coverage Highlights and Advantages Commercial General Liability tailored for operations with high third-party exposure (road crossings, public land access, bystanders). Commercial Auto coverage designed for log and chip hauling fleets, including options for physical damage and hired/non-owned autos. Umbrella/excess capacity to provide higher limits over primary liability and auto policies (availability varies by state). Underwriting that recognizes common industry controls: flagging/traffic control, roadside signage, haul route restrictions, and seasonal limitations. Access to Chartis paper through an MGA experienced in timber and forest exposures. Underwriting Notes Useful submission items: current loss runs, description of operations (harvest method, equipment list), list of drivers and MVRs, safety/maintenance programs, typical haul distances, and details on any subcontracting. Important exposure factors include slope/terrain, timber value per acre, proximity to public roads and utilities, and frequency of loaded hauls on public highways. Endorsement and limits options vary by state; discuss specific limit needs and any higher-hazard operations up front with the underwriter. Territories and Availability Program availability: All Available States. This Forest Insurance program is available in the following jurisdictions: AL, AK, AZ, AR, 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, WY Why Work With Victor O. Schinnerer & Company, Inc. on This Business Specialized underwriting knowledge of timber and forest operations combined with access to Chartis capacity. MGA-level service designed for agents who need flexible solutions for mixed operations (logging + hauling + chipping). Practical appetite: emphasis on controllable accounts with demonstrable safety programs and documented fleet controls. Clear submission guidance to streamline placement and underwriting response. Example Client Scenarios Example 1: You have a family-owned logging contractor that runs two tracked feller-bunchers, a chipper at the landing, and a three-truck fleet hauling to a nearby mill. The program can combine GL and auto coverages and provide umbrella limits to protect the contractor for haul-related exposures. Example 2: An independent contractor who performs log road construction for multiple timber owners needs coverage for both road construction operations and subsequent hauling by subcontractors. A tailored package of liability and auto coverage with appropriate endorsements may be placed through this program. Frequently Asked Questions What types of accounts are a good fit for Victor O. Schinnerer’s Forest Insurance program?Best fits are logging contractors, log road builders, reforestation crews, chipping operations, and contractors who haul logs and chips—especially those with documented safety programs, maintained equipment, and controlled haul routes. What coverages are typically available through this program?Primary coverages include commercial general liability, commercial auto for log and chip haulers, and umbrella/excess liability. Specific forms, endorsements and availability can vary by state. What submission information will the underwriter need?Provide recent loss runs, a clear description of operations and equipment, driver rosters and MVRs, details on haul distances and routes, safety and maintenance programs, and any subcontractor arrangements. Need help placing an account? Connect with a market specialist.

...erey Bay region Growers and harvesters of fruits, vegetables, or row crops...

Here at Rodgers & Associates Insurance, we specialize in offering comprehensive Farm Insurance in Phillipsburg, Kansas and throughout the Midwest. We know farming is more than a business—it's a way of life. Whether your client runs a small family farm or a larger commercial operation, they face a wide range of property, equipment, and liability exposures that benefit from tailored insurance solutions. Overview of the Program From Rodgers & Associates Our Farm Insurance program helps agents place accounts that need flexible, agriculture-specific coverage. We write traditional row crop farms, livestock operations, and mixed-use agricultural businesses. Our team focuses on the exposures farms face every season—weather-related damage, equipment breakdowns, and liability tied to farming operations—and works with you to structure a policy that reflects the client’s operations and asset mix. Ideal Accounts and Appetite We are actively seeking farm accounts across CO, IA, KS, MO, ND, NE, OK, SD, and TX. Ideal submissions include: Row crop farms (corn, wheat, soybeans, etc.) Livestock operations (cattle, hogs, poultry) Mixed farming operations combining crops and animals Farms with owned or leased machinery and equipment Family farms transitioning toward more commercial agribusiness You might have a client who just purchased a new combine or installed an irrigation system, or a family farm with multiple tractors and outbuildings—these are typical fits for our program. Coverage Highlights and Advantages Policies can be customized with endorsements to provide broad protection for farm assets and operations. Available coverages include: Replacement cost valuation for farm machinery and equipment Protection for perils such as theft, fire, hail, wind, lightning, vandalism, and flood Glass breakage coverage for tractor cabs and equipment Options to address vehicle collision and overturning losses Listing equipment on the policy helps ensure accurate valuation and appropriate limits. We collaborate with agents to identify the right endorsements and limits based on the account’s mix of land, buildings, and equipment. Underwriting Notes Rodgers & Associates takes an agent-first approach to underwriting. Each submission is reviewed on its own merits; we welcome pre-submission conversations to identify whether an account is a likely fit. This program is written on a non-admitted basis—reach out to discuss carrier structure and any state-specific considerations. Clear descriptions of operations, equipment inventories, and recent loss history help speed placement. Territories and Availability This Farm Insurance program is available in Colorado, Iowa, Kansas, Missouri, North Dakota, Nebraska, Oklahoma, South Dakota, and Texas. Our underwriters understand regional agricultural practices and common exposures in these states, and can tailor coverage to local needs. Why Work With Rodgers & Associates Rodgers & Associates brings deep experience in agricultural insurance and a practical underwriting style that helps agents place complex farm risks. We focus on responsive service, regional knowledge, and customizable policy structures so your clients get protection that fits their operations. Work with us when you need a market that understands farm equipment values, seasonal exposures, and mixed-use operations. Frequently Asked Questions What types of farm accounts are the best fit for this program?We specialize in row crop farms, livestock operations, and diversified agricultural businesses. Accounts with significant equipment, outbuildings, or mixed operations typically fit well. Is replacement cost coverage available for farm equipment?Yes. We offer replacement cost options for machinery and equipment to help protect clients from the financial impact of a total loss. Which states is this program available in?This program is available in CO, IA, KS, MO, ND, NE, OK, SD, and TX. Can I submit a farm with multiple types of operations, like crops and livestock?Yes. We welcome mixed-use farms and can tailor coverages to address multiple operational exposures on the same policy. Is this program admitted or non-admitted?This program is written on a non-admitted basis. Contact us to discuss carrier details and policy structure for your submission. Need help placing an account? Connect with a market specialist.

Phoenix Risk Management offers a robust Agriculture Workers Compensation Insurance program designed to serve a wide variety of agricultural class codes across all U.S. states. As a Managing General Agency and Excess & Surplus Lines Broker, we provide appointed agents with access to over 20 "A" rated carriers for competitive workers compensation solutions. Whether your client operates a vineyard in California, a cattle ranch in Texas, or a crop farm in the Midwest, we have the markets and underwriting expertise to help you place that business. Ideal Accounts and Appetite Our agriculture workers compensation program is suitable for most insureds in the agricultural sector who have maintained continuous coverage and have been in business for at least two years. However, we also consider new ventures and accounts with a lapse in coverage. We have appetite for a broad range of ag-related operations, including: Crop farming (row crops, fruits, vegetables) Livestock operations (cattle, poultry, swine) Vineyards and wineries Nurseries and greenhouses Tree farms and orchards You might have a client with a large seasonal labor force for harvest or an operation that involves both field work and processing—both are types of risks we routinely underwrite. Coverage Highlights and Advantages Guaranteed cost general workers compensation coverage Access to over 20 top-rated carriers Admitted and non-admitted options Flexible solutions for standard and hard-to-place risks New ventures and accounts with prior coverage gaps are eligible Underwriting Notes and Minimum Premiums Minimum Premium: $1,500.00 To receive a quote, please submit the following: Completed ACORD Workers Compensation Application (must include FEIN, signed and dated) Completed PRM Supplemental Application (signed and dated) For the most competitive quote, also include: Minimum 4 years (preferably 5 years) of currently valued loss runs (within 90 days of effective date) 4 years of aggregate payroll data Current X-Mod worksheet (if available) Detailed reports on any losses exceeding $50,000 Territories and Availability This program is available in all U.S. states, including DC. Whether your client is located in California, Texas, Florida, or a rural Midwest state, we have the resources and market access to handle it. Why Work With Phoenix Risk Management? Phoenix Risk Management is a trusted partner for agents and brokers placing agriculture workers compensation coverage. With decades of experience and broad access to top-rated carriers, we help you navigate complex ag risks with confidence. Our responsive underwriting team understands the unique challenges of agricultural operations and is committed to helping you deliver strong solutions for your clients. From small family farms to large commercial agribusinesses, we can help you find the right fit. Frequently Asked Questions What types of accounts are a good fit for this program?We target a wide range of agricultural operations, including crop farms, livestock operations, vineyards, and nurseries. Both established businesses and new ventures are considered. Is prior coverage required to qualify?While we prefer businesses with at least two years of prior coverage, we also accept new ventures and accounts with a lapse in coverage. What is the minimum premium for this program?The minimum premium starts at $1,500, though it may vary based on class code, payroll, and underwriting factors. What documents are needed to get a quote?You’ll need a completed and signed ACORD application, PRM supplemental application, and ideally 4–5 years of loss runs, aggregate payroll, and X-Mod data if available. In which states is this program available?This program is available in all 50 states and Washington, DC. 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.

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.

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

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.