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Cochrane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that helps agents and brokers place auto liability and excess liability for businesses that rely on rented or personally owned vehicles for operations. The program is designed for risks where the client needs liability protection for drivers or hired vehicles they do not own, and it’s structured to complement a driver’s personal insurance or a primary business auto policy. Ideal Accounts and Appetite This program fits small to mid-sized businesses that make regular local deliveries or service calls using non-owned vehicles. Typical target classes include: Food delivery services Auto parts couriers Bakeries Florists Home health care providers and mobile caregivers You can place single-location businesses or accounts with multiple locations across the eligible states. For example, a home health care agency with nurses or aides who use personal vehicles for client visits can benefit from Hired & Non-Owned liability placed through this program. Restricted Classes Underwriting limits this program from accepting certain higher-exposure classes. Ineligible or restricted accounts typically include: Realtors and real estate brokerages Timed or expedited delivery services (high-frequency, guaranteed-time deliveries) Human transportation operations (rideshare, shuttle or taxi services) Trucking operations (vehicles beyond light pickups) Sales forces and temporary staffing agencies with mobile workforces Coverage Highlights and Advantages Hired & Non-Owned Auto liability limits available up to $7 million Excess and umbrella layers available to increase protection Flexible structures — standalone program or layered over driver's personal insurance or a primary business policy No receipt restrictions on hired vehicle coverage Minimum premiums available from approximately $2,430 (varies by limit and structure) Low deductibles or Self-Insured Retentions (SIRs) can be accommodated Designed to serve both localized accounts and larger regional/national placements within eligible states Underwriting Notes and Minimum Premiums This non-admitted program gives underwriters flexibility to structure pricing and terms to match account needs. Minimum premium levels start around $2,430 for lower limits, but final pricing depends on exposure, limits, claims history, and whether coverage will be written as excess over a primary policy or over drivers’ personal auto policies. Provide complete loss runs and details about delivery frequency and driver screening to get accurate terms quickly. Available States The program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Cochrane & Company brings regional underwriting expertise across these western and mountain states. Why Work With Cochrane & Company? As a Managing General Agency with deep commercial auto experience, Cochrane & Company pairs responsive underwriting with access to multiple carrier partners for hired and non-owned exposures. Agents benefit from tailored program structures, experienced risk selection, and practical placement options when traditional admitted markets are constrained. Have questions about Hired & Non-Owned Auto Insurance or need help placing a specific account? Please contact us! Frequently Asked Questions What types of accounts are a good fit for this Hired & Non-Owned Auto Insurance program?Good fits include businesses that use employee-owned or rented vehicles for routine work—examples are food delivery services, auto parts couriers, florists, bakeries, and home health care providers that don’t maintain a company-owned fleet. Are there any industries that are ineligible for this program?Yes. The program generally excludes real estate agencies, timed/expedited delivery operations, human transportation risks (rideshare/shuttle), heavy trucking operations (beyond pickups), and staffing agencies with mobile sales forces. What is the minimum premium for this program?Minimum premium starts at approximately $2,430 for a $100,000 limit, but final premiums depend on the account’s exposure, limits, and how the coverage is structured. Can this program be written as excess over the driver's personal insurance?Yes. Policies can be structured as excess over a primary business policy or over drivers’ personal auto insurance, depending on underwriting approval and the account’s needs. In which states is this program available?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

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When it comes to placing trucking insurance for your clients, the process can be complex. At Gladius Insurance Services, we offer a dedicated Trucking Program (For Hire Trucking) designed for agents who need an admitted solution with fast turnaround and broad appetite for common freight classes. This program works with an A+13 admitted carrier and an in-house rating platform to deliver quick, competitive quotes. Program Features In-house rating for faster proposals and bindable quotes. Trailer interchange coverage — additional physical damage protection for non-owned trailers that are covered under a trailer interchange agreement. Motor carrier filings — we provide Form E to certify compliance with state financial responsibility laws. BMC-91X submission — we submit filings to the FMCSA and guarantee liability limits for interstate transport when required. MCS-90 endorsement — added when a federal filing is required; selecting MCS-90 also applies the Pollution Broadening Endorsement automatically. Overview — How this program helps your clients Gladius Insurance Services provides a wholesaler program tailored for for-hire trucking operations where admitted placement, motor carrier filings, and efficient underwriting matter. The program is set up to support a variety of common commodities — building materials, dirt, sand & gravel, household goods, livestock, machinery, paper products, stone and rock, and similar hauls — while ensuring regulatory filings and endorsements are handled correctly. Ideal Accounts and Appetite For-hire trucking operations with 9 or fewer power units. Primary commodities: construction materials, aggregates, household goods, machinery, livestock, paper, and similar freight. Stable operations with consistent dispatching and documented safety practices. Accounts that require admitted coverage and formal FMCSA filings. Coverage Highlights and Advantages Access to an A+13 admitted carrier — good for agents who prefer admitted placements. Trailer interchange physical damage coverage for non-owned trailers under interchange agreements. Motor carrier filings (Form E, BMC-91X) and MCS-90 handling reduce administrative burden for you and your insured. Automatic application of Pollution Broadening Endorsement when MCS-90 is selected. In-house rating speeds up quoting and binding compared with traditional manual submissions. Underwriting Notes and Requirements To qualify for this program, accounts must meet the following minimum underwriting criteria: 9 or fewer power units. Full, current 3-year loss runs required. Maximum operating radius: 500 miles (no exceptions). Less than 100,000 annual miles per vehicle. Satisfactory FMCSA safety scores and reviews. Minimum physical damage deductible: $1,000. Applicants are subject to inspection. Drivers: at least 25 years old, hold a Commercial Driver’s License (CDL) for a minimum of 3 years, and no major violations in the last 3 years. Territories and Availability This program is offered through Gladius Insurance Services as an admitted solution. Availability is subject to state filings and carrier appetite; currently listed availability includes AZ. For placement in other states or multi-state risks, please contact Gladius to confirm admitted availability and any territorial limitations. Why place this business with Gladius Insurance Services? Wholesale broker with a trucking-focused program and an admitted market partner for agents who need admitted options. Streamlined quoting via in-house rating plus support for required FMCSA filings and endorsements. Designed for small to mid-sized for-hire trucking operations that need compliant coverage and quick turnaround. Example accounts that fit this program A regional hauler with six power units transporting construction aggregates within a 300-mile radius, with clean 3-year loss runs and acceptable FMCSA scores. A household goods carrier operating under trailer interchange agreements who needs admitted liability, physical damage, and MCS-90 filings for interstate moves. For more information about accepted and non-accepted risks, or to request a speeding fast quote, contact Gladius Insurance Services via your usual wholesaler channel or send an email to the Gladius underwriting team. Frequently Asked Questions What types of accounts are a good fit for the Gladius Trucking Program?Small to mid-sized for-hire carriers with up to 9 power units hauling commodities such as building materials, aggregates, household goods, machinery, and similar freight. Accounts should have stable operations, acceptable FMCSA records, and full 3-year loss runs. Does this program handle FMCSA filings and endorsements?Yes. Gladius handles motor carrier filings including Form E and BMC-91X submissions, and adds the MCS-90 endorsement (with Pollution Broadening) when a federal filing is required. Are non-owned trailers covered?Yes. The program offers trailer interchange physical damage coverage for non-owned trailers that are under a valid trailer interchange agreement. What are the key underwriting restrictions I should screen for before submitting?Confirm the account has 9 or fewer power units, operates within a 500-mile radius, averages under 100,000 miles per vehicle annually, provides full 3-year loss runs, meets FMCSA safety criteria, and can meet the minimum $1,000 physical damage deductible. Drivers must meet the age and CDL experience requirements. Need help placing an account? Connect with a market specialist.

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Pizza and Restaurant Delivery Insurance Program Amwins Program Underwriters offers monoline HNOA (Hired and Non-Owned Automobile) liability coverage tailored for pizza and restaurant delivery operations. This program provides focused liability capacity for restaurants that deliver food, with underwriting and distribution handled through Amwins as the managing general agency and capacity provided by General Star. Overview of the Program This program is designed for restaurants and food-service operators that use third-party drivers, owner-drivers, or employee drivers to deliver food. Coverage is monoline HNOA liability, with primary limits available up to $5,000,000 and defense costs outside the limit. The product is intended to sit as the primary hired/non-owned automobile liability for delivery operations where the restaurant needs a dedicated HNOA solution. Ideal Accounts and Appetite Any type of restaurant that offers food delivery, including pizza shops, fast-casual concepts, and independent restaurants. Multi-location operations with up to 30 locations. Restaurants that need dedicated HNOA limits to address exposures from delivery drivers, third-party delivery services, and borrowed vehicles. Accounts that typically do not fit include large national chains with complex centralized programs, operations with documented poor driving or claims history, or risks requiring admitted paper in jurisdictions where admitted placement is mandatory. Coverage Highlights and Advantages Monoline HNOA liability — focused coverage for delivery exposures without bundling into general liability. Primary limits up to $5 million with defense outside the limit, providing extended limit protection for serious liability claims. Underwriting expertise from an MGA experienced in food-delivery exposures and access to capacity through General Star. Nationwide placement (see availability below) to support agents with clients operating in multiple states. Underwriting Notes and Submission Requirements Underwriting emphasizes driver screening, fleet controls, and claims history. To obtain a quote, submit the following: Completed industry standard applications Pizza & RD (Monoline HNOA) supplemental application Currently-valued loss information for the lines to be quoted (current year plus four prior years) Current drivers list Current MVRs for all owners, managers, and drivers (a random sample approach is used on larger accounts) Underwriters may request additional information on driver training, delivery radius, use of third-party delivery platforms, and vehicle controls. Expect careful review of prior loss frequency and severity; high frequency loss accounts may be declined or subject to higher retentions. Territories and Admitted Status This program is available in all U.S. states except Louisiana. It is offered as a non-admitted/surplus lines product (not admitted in any state), and placement should follow surplus lines filing requirements in the insured’s state. Why Work With Amwins on Pizza & Restaurant Delivery Specialized appetite: focused on the unique HNOA exposures of delivery operations. MGA servicing model: underwriting guidance and placement support from Amwins Program Underwriters with access to General Star capacity. Flexible limits and defense outside the limit for serious liability protection. Practical underwriting requirements: straightforward submissions centered on driver and loss information for quick, informed decisions. Example scenarios You have a 12-location pizza chain that contracts with third-party couriers and needs separate HNOA limits to protect the parent company — this program can provide monoline HNOA limits up to $5M. You represent an independent restaurant offering in-house delivery with a small fleet of employee drivers and want primary hired/non-owned auto coverage with defense outside the limit — this program is a fit if the account has satisfactory driving controls and loss history. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants and food operators that provide delivery services — from single-location pizza shops to multi-location operators (up to 30 locations) — where the primary exposure is hired and non-owned automobile liability. Is this program admitted or non-admitted?This program is placed as a non-admitted (surplus lines) product and is not admitted in any state. It is available nationwide except for Louisiana; agents should follow surplus lines compliance for their state. What limits and insuring features are available?Primary HNOA limits are available up to $5,000,000. Defense costs are outside the limit, which can preserve limits for indemnity payments in serious claims. What documentation do I need to submit for a quote?Provide completed applications (industry standard and the Pizza & RD supplemental), currently-valued loss runs for the current year plus four prior years, a current drivers list, and MVRs for owners, managers, and drivers (random sampling may be used for larger accounts). Need help placing an account? Connect with a market specialist.

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Business Auto Insurance Coverage for a Wide Range of Classes Overview of the Program from Amwins Underwriting Amwins National Transportation Underwriters (part of the Amwins Underwriting Division) offers a targeted Business Auto Insurance program for both for-hire and not-for-hire operations. Our underwriting team focuses on trucking and transportation exposures and works with a panel of financially sound carriers to deliver practical, market-aware solutions for commercial auto risks. Ideal Accounts and Appetite The program has a broad appetite across many transportation-related classes. Typical accounts that fit well include: Armored cars Building material haulers Contractors (vehicle fleets supporting trades) Courier and distribution services (magazines, newspapers, wholesale/retail delivery) Cranes & boom trucks Dairies, food delivery and food trucks Driver training — auto, truck & tractor Escort vehicles and mobile offices Funeral operations Farmer vehicles Waste disposal (note: no landfill exposure) Classes not listed may still be considered on a case-by-case basis; reach out with details to confirm appetite. Coverage Highlights and Advantages Primary commercial auto liability and physical damage options tailored to trucking and specialty vehicle fleets. Available extensions commonly used by transportation accounts: hired/non-owned auto, trailer interchange, cargo coverage where appropriate, and medical payments/UM/UIM as allowed by the market. Access to multiple underwriting teams and carrier relationships through Amwins’ transportation platform, improving chances to place complex or specialty risks. Underwriters experienced in occupational and operational exposures typical to delivery, contractor, and fleet operations. Example Accounts A regional courier fleet with mixed package delivery vehicles and hired drivers that needs liability plus hired/non-owned auto protection. A contractor with building material haulers and several jobsite trucks seeking combined liability and physical damage coverage with flexible limits and deductible options. Underwriting Notes and Documentation Underwriting considers fleet composition, vehicle types, driver qualifications, loss history, and territory of operations. Common submission items: current loss runs, schedule of vehicles, driver lists/MVRs, and a description of operations and controls (especially for driver training or armored operations). Waste disposal accounts are evaluated only where there is no landfill exposure (as noted in appetite). Territories and Availability The program is available in most states. Current availability includes: AL, AK, AZ, AR, CA, CO, CT, DE, GA, ID, IL, IN, IA, KS, KY, ME, MD, MN, MS, MO, MT, NE, NV, NH, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Coverage form and admitted/non-admitted market placement may vary by state and by carrier. Why Place Business with Amwins Underwriting Specialized transportation underwriting expertise within a large wholesale platform. Relationships with multiple financially sound carriers to match coverage to account complexity. Practical placement approach for both standard and harder-to-place classes within the transportation and specialty fleet space. If you have a submission that fits the classes above — from single-vehicle food trucks to multi-unit contractor fleets — submit details and supporting documents so our underwriters can assess available options and provide a timely response. Frequently Asked Questions What types of accounts are a good fit for this Business Auto program?Accounts in trucking, delivery, contractor fleets, couriers, food trucks, driver training, cranes/boom trucks, armored cars, and similar specialty fleet operations are all typical fits. Waste disposal accounts are considered only when there is no landfill exposure. What submission information should I provide to get a quick decision?Include a current vehicle schedule, driver roster with MVRs or summary driver qualifications, three to five years of loss runs, a description of operations (routes, radius, cargo types), and any risk control measures in place. More complex accounts may need additional documentation. Is this program admitted or non-admitted?The program is underwritten with various financially sound carriers and may place business on either an admitted or non-admitted basis depending on the carrier and the state. Availability and form will depend on the account and jurisdiction. Are cargo and hired/non-owned coverages available?Yes — cargo and hired/non-owned auto coverages are commonly available through the panel, subject to carrier appetite, the cargo type, and specific underwriting review. How do I confirm state availability for a specific account?State availability can vary by carrier. Submit the account details and state(s) of operation and our underwriting team will confirm whether placement is possible in the required jurisdictions. Need help placing an account? Connect with a market specialist.