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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.

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.

Affordable • Dependable • Knowledgeable NORMAN-SPENCER AGENCY – Auto Insurance Overview of the Program From Norman-Spencer Norman-Spencer Agency, Inc. offers a comprehensive Auto Insurance program designed to meet the diverse needs of your clients. Whether you’re placing coverage for individual commercial vehicles or fleets, our broad market access and dedicated underwriting team make it easy for you to find the right fit. With a national footprint and deep knowledge of specialized industries, we help agents deliver tailored solutions that address today’s auto-related exposures. Ideal Accounts and Appetite We work with a wide range of commercial auto risks across multiple industries. Ideal accounts include: Contractors with owned and operated fleets Delivery services, including food, courier, and medical supply Home healthcare providers using employee vehicles (Hired & Non-Owned) Specialty vehicles such as boom trucks and concrete pumpers Environmental services and consultants with mobile crews You might have a client with a small fleet of vehicles used for local deliveries or a construction firm needing insurance for heavy equipment transport. We have options for both and more. Coverage Highlights and Advantages Norman-Spencer’s Auto Insurance solutions are part of a broader suite of commercial coverages, including General Liability, Property, Inland Marine, Workers Compensation, Umbrella, and Excess. This allows you to offer complete protection packages under one roof. Our program is built for flexibility and supported by multiple carriers to accommodate a wide range of underwriting scenarios. Specialty divisions—such as Sunderland Insurance for Hired & Non-Owned Auto and JC Stevens for crane and pumper vehicles—bring additional expertise to niche markets. Underwriting Notes and Minimum Premiums We partner closely with agents and carriers to identify needs and build custom solutions. While minimum premiums may vary by risk and carrier, our broad market access allows us to find competitive options across the spectrum. Norman-Spencer underwriters are responsive, collaborative, and committed to helping you win and retain business. Territories and Availability Our Auto Insurance offerings are available nationwide, including all 50 states and Washington, DC. Whether your client is operating in a single state or across multiple regions, Norman-Spencer has the reach and resources to support your placement. Why Work With Norman-Spencer Norman-Spencer is more than just a market—we are your partner in building long-term client relationships. Our approach is centered on collaboration, innovation, and doing what it takes to help you succeed. With multiple divisions and specialized programs, we bring insight and capacity to even the most complex auto risks. Visit www.norman-spencer.com to learn more, or explore our specialty divisions: Sunderland Insurance – Hired & Non-Owned Auto for delivery and home healthcare sectors JC Stevens Inc. – Boom Truck/Crane and Concrete Pumper Insurance CONTACT US TODAY! PH 866-930-5570 FX 937-432-1635 www.norman-spencer.com [email protected] *Terms and coverages subject to change without notice. Frequently Asked Questions What types of accounts are a good fit for this Auto Insurance program?We are ideal for contractors, delivery services, healthcare providers using employee vehicles, and specialty risks like boom trucks, concrete pumpers, and environmental service fleets. Is this Auto Insurance program available in all states?Yes, our program is available in all 50 states and Washington, DC. Does Norman-Spencer offer solutions for Hired & Non-Owned Auto risks?Yes, through Sunderland Insurance, a division of Norman-Spencer, we specialize in Hired & Non-Owned Auto coverage for food delivery, couriers, and home healthcare services. Can I bundle Auto coverage with other lines?Absolutely. We offer a full suite of coverages including General Liability, Property, Inland Marine, Workers Compensation, and more to build comprehensive packages for your clients. What makes Norman-Spencer different from other MGAs?Our collaborative approach, deep industry knowledge, access to multiple carriers, and niche divisions allow us to craft tailored solutions and support agents throughout the placement process. Need help placing an account? Connect with a market specialist.

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