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An injury on the job can be one of the most costly liabilities for your client’s business. Medical bills, rehabilitation, permanent disability and fatal claims can create significant financial and operational strain. Keating offers tailored Workers' Compensation placement solutions to help you protect your clients, manage exposures, and keep businesses running after a loss. Program Highlights • Fast turnaround on quotes and submissions • Premiums starting at $2,500 and scaling to large, risk-managed operations • Appetite for startup operations • Multi-state capabilities • High experience mod factors accepted • In-house authority with several top-rated carriers • Direct bill options, including pay-as-you-go • Competitive pricing and agent commissions Overview — Keating's Workers' Compensation Program Keating is a wholesale broker with deep Workers' Compensation expertise and broad carrier access. We combine underwriting experience, streamlined submission workflows, and in-house authority to place accounts across a wide range of industries and risk profiles. Our team focuses on responsive service so you can move business quickly and give your clients reliable coverage and flexible billing options. Ideal Accounts and Target Classes We handle hundreds of class codes and a variety of account sizes — from single-location small businesses to multi-state operations with complex exposures. Typical target classes include: • Artisan contractors • Auto service & towing • Bus companies • Cell tower construction • Drywall contractors • Grocery and retail stores • Home health agencies & VNAs • Hotels and motels • Long and short haul trucking • Manufacturing • Non-emergency medical transportation • Remodeling contractors • Restaurants (single location to chains) • Social services • And many more We also operate exclusive specialty programs for social services, home health / visiting nurse associations, and medical temporary staffing. Example fits: - You might have a growing regional contractor with a higher experience modification factor and multi-state payroll — Keating can help place the account and arrange pay-as-you-go billing. - Or a startup home health agency needing admitted coverage and competitive pricing — our specialty programs are designed for that appetite. Coverage Highlights and Advantages - In-house authority with multiple top-rated carriers for flexible placement options. - Admitted and non-admitted solutions depending on state and risk characteristics. - Direct-bill and pay-as-you-go billing to reduce audit surprises and help clients manage cash flow. - Ability to consider higher experience mod factors and more complex loss histories when the operations and controls justify placement. Underwriting Notes & Submission Requirements To evaluate risks quickly, include the following with submissions: • Completed ACORD 130 application • Experience Modification Worksheet • 3–5 years of currently valued loss runs • Detailed description of operations and payroll breakdowns Minimum premiums typically start around $2,500, but final pricing depends on class codes, state, payroll, and underwriting details. Territories and Availability Keating’s Workers' Compensation program is available in all 50 states and Washington, DC. We offer both admitted and non-admitted options where appropriate for the risk and state requirements. Why Work With Keating? As a wholesale broker, Keating brings: • Dedicated underwriting expertise and quick response times • Broad carrier relationships and in-house authority to place difficult or specialized risks • Flexible billing and competitive terms to help you sell and retain business • Practical guidance on structure, endorsements, and loss-control strategies Our team acts as an extension of your brokerage — helping you find the right market, structure terms, and move submissions efficiently from quote to bind. Contact Keating today—your trusted partner in Workers' Compensation insurance placement. Frequently Asked Questions What types of accounts are a good fit for Keating’s Workers' Compensation program?Keating is a strong market for artisan contractors, healthcare providers, social services, trucking, manufacturing, retail, and many other classes — including startups and higher-mod operations that need flexible placement options. Is this program available in all states?Yes. Our Workers' Compensation program is available in all 50 states and Washington, DC, with admitted and non-admitted options depending on the state and risk. Do you accept high experience modification factors?Yes. We can consider accounts with higher experience modification factors when the overall operations, controls, and exposure profile support placement. What is the minimum premium for this program?Minimum premiums generally start around $2,500, but final minimums depend on class code, state, payroll, and underwriting factors. What carriers does Keating work with?We have in-house authority with multiple carriers and strong wholesale relationships, giving us flexibility to find the right fit across admitted and non-admitted markets. Need help placing an account? Connect with a market specialist.

Policy Highlights for Private Investigative Agencies: Colonial General Insurance Agency, Inc. offers a dedicated Private Investigative Agencies Insurance program designed for firms that provide armed or unarmed security personnel (with or without animals), private investigators, polygraphists, process servers, firearms training/certification schools, and claims adjusters with limited draft authority. Property and liability coverages are available on a monoline or package basis through admitted and surplus markets. Overview of the Program from Colonial General This program gives independent agents access to specialized underwriting for investigative and security-related operations across the Mountain West and Southwest. Coverage is placed through a mix of admitted and excess & surplus markets depending on exposure and state—Colonial General acts as a managing general agency and E&S broker to match accounts to appropriate markets. Ideal Accounts and Appetite Stand-alone private investigative firms providing surveillance, background checks, skip tracing, and process serving. Security and patrol companies offering armed or unarmed guards, including K9 units. Firearms training or certification schools, and instructors with documented curricula and safety procedures. Claims adjusters operating with draft authority of $5,000 or less. We typically favor businesses with formal policies, documented training, and clear limits on employee authority. Accounts with high-risk activities (e.g., private military contracting, high-value executive protection with weapons policy gaps, or significant guard force violence claims history) may be declined or require referrals to specialty markets. Coverage Highlights and Advantages Commercial General Liability available with primary limits up to $3,000,000 (occurrence and aggregate). $5,000 Medical Payments coverage included. Additional interests extended—$100 each. Assault & Battery included at policy limits; sub-limits available with a rate adjustment. Errors & Omissions (E&O) coverage part available to address professional liabilities. Lost Key coverage—$25,000 limit on qualifying Security & Patrol accounts. Property Damage Extension (care, custody & control) included at $5,000 / $25,000 limits on Security & Patrol Program placements. Excess/umbrella capacity up to $25 million for larger aggregate needs. Property options: Basic, Broad, or Special forms for building, contents, and business income; replacement cost or actual cash value available. Crime coverage available for inside and outside the premises theft, robbery/safe burglary, and related exposures. Underwriting Notes Underwriters will review training programs, hiring and background screening procedures, use-of-force policies, vehicle operations, and contract language. Key factors that influence pricing and placement include: Degree of armed operations and documented firearms training. Claims and loss history, especially related to assault, battery, or weapons incidents. Whether patrols are stationary or mobile and if animals (K9) are used. Contractual indemnities, client indemnification language, and hold-harmless agreements. Because Colonial General works with both admitted and surplus markets in some states, placement may vary by state and account characteristics. Refer to the company’s underwriting guidelines for additional submission requirements. Territories and Availability This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Availability may vary by carrier; some classes may be placed admitted where markets permit, while others will be placed non-admitted through E&S facilities. Why Work With Colonial General on Private Investigative Business Colonial General combines specialty underwriting relationships with program-level knowledge of investigative and security risks. Agents benefit from targeted coverage options (including assault & battery and lost key limits), access to excess capacity, and flexible property/crime combinations that fit the common exposures of this sector. A risk management/loss prevention brochure is available to help insureds reduce frequency and severity of losses. Example Fits You might have a mid-size private investigation firm that conducts surveillance and background checks with a small fleet of marked vehicles—this program can package GL, E&O, and business property on one placement. A local firearms training school with certified instructors and written safety protocols may qualify for liability and premises property coverage, with options to add excess limits as class sizes grow. Frequently Asked Questions What types of accounts are a good fit for Colonial General’s Private Investigative Agencies program?Firms providing private investigation, process serving, polygraph services, security and patrol (armed or unarmed), K9 units, firearms training schools, and claims adjusters with limited draft authority are good fits—especially those with formal training and documented procedures. Are assault and battery exposures covered?Yes. Assault & battery coverage is included at policy limits; sub-limits may be available with an adjustment to pricing depending on the account’s risk profile and history. Can I place property and crime coverages through this program?Yes. Property coverage (basic, broad, or special form) for building, contents, and business income is available, and crime forms include inside and outside premises theft and robbery/safe burglary options. Which states are eligible for this program?The program writes in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Placement availability (admitted vs. non-admitted) varies by state and carrier. What information should I include with a submission?Provide a current application, loss history, employee screening and training procedures, sample contracts, and details on armed operations or K9 use. Specific requirements are available from Colonial General’s underwriting team. Need help placing an account? Connect with a market specialist.

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Policy Highlights: Colonial General Insurance Agency, Inc. provides a focused Security Patrol Insurance program for agencies and contractors operating in higher-risk security and investigative roles. Whether your client employs armed or unarmed guards, operates K-9 units, conducts private investigations, provides process serving, or runs firearms training, this program is designed to deliver comprehensive liability and property protection tailored to those exposures. Eligible classes also include polygraphists, process servers, and claims adjusters with draft authority of $5,000 or less. Ideal Accounts and Appetite This program is well suited for a wide range of security-related businesses, including: Security guard and patrol companies (armed or unarmed) Contract firms using K-9 units Private investigation agencies Process serving operations Firearms certification instructors and training schools Claims adjusters with limited draft authority Typical fits include regional patrol companies that provide armed and unarmed guards for retail, construction, or event sites, and private investigators who also offer contract security or process serving. The program favors disciplined operations with documented training, written procedures, and loss control measures. Coverage Highlights and Advantages Commercial General Liability Coverage includes: Primary limits available up to $3,000,000 occurrence / aggregate $5,000 Medical Payments—automatically included Additional Interests—$100 each Assault & Battery—covered at full policy limits (optional sub-limits offered at discounted rates) Errors & Omissions Coverage Part for professional exposures Lost Key Coverage—$25,000 limit included Property Damage Extension for Care, Custody & Control—$5,000 / $25,000 limits Excess/Umbrella capacity available up to $25 million Loss prevention brochure and best practices guidance to support underwriting and risk control Property Coverage options include: Basic, Broad, or Special Forms Building, Business Income, and Contents coverage Replacement Cost or Actual Cash Value basis available Crime Coverage available: Inside the Premises—Theft of Money and Securities Inside the Premises—Robbery or Safe Burglary of Other Property Outside the Premises coverage Underwriting Notes Colonial General can write coverage on a monoline or package basis and uses flexible underwriting to address the specific operations and exposures of each firm. Underwriting will consider employee hiring practices, training programs, weapons-handling controls, K-9 handling, and documentation of client contracts and scopes of work. Access to admitted and non-admitted markets helps place accounts that may require broader forms or higher limits. Territories and Availability This program is available in: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some coverages are offered on admitted paper where available; Excess & Surplus options are used when the risk or jurisdiction requires non-admitted placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche expertise in security and investigative exposures with broad market access. Their underwriters and market contacts allow you to place complex or hard-to-insure accounts with tailored forms, higher limits, and loss-control guidance — all aimed at keeping risks in forceable, well-documented programs. Learn more about Colonial General and their capabilities by visiting their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Security patrol firms, private investigators, process servers, firearms instructors, and adjusters with limited draft authority are all good fits, especially when they have documented training and client contracts. Are both armed and unarmed guards eligible?Yes. The program accepts accounts with armed or unarmed personnel, including operations that use guard dogs, subject to underwriting review of training and weapons controls. Is Assault & Battery coverage included?Yes. Assault & Battery is included at policy limits; sub-limits are available as a lower-cost option where appropriate. Which states is this program available in?Coverage is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Can I combine Property and Liability coverages?Yes. The program supports monoline or package placements, and property, crime, and excess limits can be added to match the client’s exposures. Need help placing an account? Connect with a market specialist.

Policy Highlights for Security Company Insurance: Colonial General Insurance can now provide our clients with access to coverage solutions for their security company categorized risks. Commercial General Liability Coverage available for Security Company Insurance: Our Commercial Auto department currently does not have a market for any security companies with armed guards. We offer liability coverage up to $1,000,000 CSL. Physical damage coverage is available with deductible options ranging from $500 to $5,000. Radius options up to 500 miles are available for eligible risks. Overview of the Program From Colonial General Insurance This Security Company Insurance program is designed for independent agents and brokers who place general liability and commercial auto-related risk for private security firms, unarmed guard services, and security support operations. Colonial General Insurance acts as a managing general agency and excess & surplus lines broker, giving you access to flexible non-admitted markets and some admitted options depending on state and risk profile. Ideal Accounts and Appetite Unarmed guard firms providing mobile patrols, event security, residential/retail patrols, concierge/door staff, and alarm response (depending on scope). Small-to-mid sized operations with clear hiring, training, and background screening procedures. Clients with mixed exposures—liability, hired/non-owned auto exposure, and optional physical damage for company vehicles—are a good fit. Accounts that typically do not fit this program include companies that rely primarily on armed guards (see commercial auto limitation), high-frequency use of heavy armored transport, or clients with a poor loss history or lacking basic risk controls. Coverage Highlights and Advantages General liability limits up to $1,000,000 CSL to cover third-party bodily injury and property damage. Physical damage options (comprehensive and collision) with a range of deductible selections to match client budgets and tolerances. Radius extensions up to 500 miles for eligible mobile patrol and transport exposures—helpful for multi-site or regional operations. Access to both admitted (where available) and excess & surplus capacity through Colonial General’s market relationships. Underwriting Notes and Minimum Premiums Underwriting considers claims history, employee screening and training, supervision, vehicle fleets and usage, contract wording, and client site exposures. Because markets and available terms vary by state and carrier, minimum premiums and specific binding authority are determined at submission. Provide complete applications, driver lists, vehicle schedules, and current loss runs to accelerate review. Example Scenarios You might have a small security company that provides unarmed mobile patrols for retail centers with a fleet of three vehicles and routine alarm response—this program can provide GL and physical damage with a tailored deductible and a radius extension. A concierge-style security provider for a residential community with background-checked staff and formal training programs could qualify for admitted or non-admitted appetite depending on state placement and loss history. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Placement will depend on admitted availability in the state and the specific carrier appetite; Colonial General manages placement across both admitted (where offered) and excess & surplus markets. The program currently lists "Some Available Markets" for admitted capacity and works with varying carriers. Why Work With Colonial General Insurance on This Business Colonial General offers focused distribution for security company risks through MGA and E&S broking expertise. Agents benefit from flexible deductible options, competitive radius terms for mobile operations, and access to markets that understand the unique exposures security firms present. Submissions with clear documentation and well-defined risk controls receive faster consideration and more favorable placement options. Frequently Asked Questions What types of security companies are a good fit for this program?Unarmed guard firms, mobile patrol providers, concierge/door staff, and similar operations with documented hiring and training practices are the primary targets. High-risk armed guard operations are generally not eligible for commercial auto through this program. Can I place accounts with armed guards?The program’s Commercial Auto department does not currently accept security companies that employ armed guards. Liability-only options may be explored on a case-by-case basis, but expect stricter underwriting and limited market capacity. How does the radius extension work and when is it useful?Radius options up to 500 miles can be added for eligible mobile patrol and transport operations to extend coverage territory for scheduled vehicles or services. This is useful for clients servicing multiple sites across a region—underwriting will evaluate distance, travel patterns, and controls. What submission materials speed up underwriting?Provide a completed application, current loss runs (typically 3–5 years), driver lists and MVRs for vehicle exposures, vehicle schedules, client contracts, and written hiring/training policies. Clear documentation helps Colonial General identify the best market quickly. Need help placing an account? Connect with a market specialist.

Policy Highlights Colonial General Insurance Agency, Inc. provides a targeted insurance program for agencies and professionals in security and investigative services, with specific appetite for process servers. The program handles both armed and unarmed personnel and can be written monoline or packaged to include liability, property, crime, and professional liability exposures. Eligible classes also include private investigators, polygraphists, firearms training schools, and claims adjusters with limited draft authority. Ideal Accounts and Appetite This program is designed for agents placing high-liability businesses in the Western U.S. It works well for independent process servers and legal-support firms that need a combination of general liability, E&O, and optional property/crime protection. The program has particular strength in AZ, CA, CO, ID, NV, NM, UT, and WY. Example placements you might submit: A mid-sized Nevada legal support firm employing multiple process servers who handle civil service and court deliveries. A Colorado-based solo process server who also performs basic investigative tasks and needs combined liability and property coverage. Coverage Highlights and Advantages Commercial General Liability for Process Servers Primary limits available up to $3,000,000 occurrence and aggregate $5,000 Medical Payments included at no extra cost Assault and Battery coverage included at policy limits (optional sub-limits available to reduce premium) Errors & Omissions (E&O) coverage included to address professional liability exposures Additional Insureds available for $100 each Lost Key Coverage—$25,000 limit available under the Security and Patrol Program Property Damage Extension (Care, Custody, and Control)—$5,000 / $25,000 limits included Excess / Umbrella limits available up to $25 million Loss prevention brochure and risk-control resources to help reduce loss frequency and severity Property Coverage Options Available on Basic, Broad, or Special Form Options for Building, Business Income, and Contents coverage Valuation choices: Replacement Cost or Actual Cash Value Crime Coverage Theft of Money and Securities—Inside the Premises Robbery or Safe Burglary—Inside the Premises Outside the Premises coverage available Underwriting Notes and Minimum Premiums Colonial General places this business through multiple admitted and surplus markets, allowing flexibility on terms and pricing. Minimum premiums vary by carrier and account exposure; assault and battery sub-limits are commonly used for accounts where rate sensitivity is important. Underwriters will evaluate training, weapons policies, background screening, and loss history when considering submissions. Territories and Availability The program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Some admitted markets are available depending on the risk profile and coverages requested; non-admitted (E&S) placements are an option for harder-to-place risks. Why Work With Colonial General As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines niche underwriting expertise with access to multiple carriers that specialize in security, investigative, and high-liability services. Agents benefit from flexible structure (monoline or package), tailored assault & battery options, and the ability to place both small operations and larger multi-state firms. From an agent’s perspective: you can use this program when a client needs higher limits, combined liability and E&O protection, or broader property/crime coverages that may be difficult to place in admitted markets. Colonial General provides underwriting guidance and loss-control materials to help your account qualify for the best terms available. Frequently Asked Questions What types of accounts are a good fit for this program?Process servers, private investigators, security firms, and legal support agencies operating in the Western U.S. are the primary focus. Is Errors and Omissions (E&O) coverage included?Yes. E&O coverage is included as part of the liability package to address professional exposures common to process servers and investigators. Are both armed and unarmed process servers eligible?Yes. The program covers both armed and unarmed personnel; terms reflect training, weapons policies, and background screening. Can I get Assault and Battery coverage at full policy limits?Assault and Battery is included at policy limits by default. Sub-limits are available as a premium-saving option for eligible accounts. Which states is this program available in?The program is offered in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

Trim, shape and manicure your clients’ operations with Cochrane & Company’s Landscaping Insurance program—designed for contractors whose primary operations are lawn care, sprinkler installation and maintenance, and incidental tree trimming (tree work must be less than 15% of total sales). This program is intended for hands-on landscape contractors (not for landscape architects who only design or who subcontract all work). Overview of the Program from Cochrane & Company Cochrane & Company offers a specialized Landscaping Insurance program through its managing general agency platform to help independent agents place landscaping risks that need commercial general liability, property and ancillary coverage tailored to their exposures. Limits, forms and available endorsements are tailored to contractors who perform the work on residential and commercial accounts across the western U.S. Ideal Accounts and Appetite Small to mid-sized lawn care and landscape maintenance contractors Sprinkler and irrigation system installers and servicers Landscape installation contractors who perform planting, mulching and light hardscape work Companies performing incidental tree trimming/pruning (tree trimming must be under 15% of total sales) Not a fit: landscape architects who do not perform the work, firms that subcontract all operations, and accounts with significant tree removal/complex arborist work or heavy excavation beyond normal landscaping scope. Coverage Highlights and Advantages Primary General Liability limits available up to $3,000,000 occurrence/aggregate Excess/Umbrella capacity up to $25,000,000 Blanket Additional Insured endorsement available for qualifying accounts Errors & Omissions (professional liability) available as a policy part Included coverages: Medical Payments ($5,000), Pesticide/Herbicide Applicator Coverage (policy limits), In-Transit Pollution ($25,000 occurrence/$100,000 aggregate), Lost Key Coverage ($25,000) Property coverages: building, replacement cost or ACV, accounts receivable, computer equipment, contractors’ equipment, equipment breakdown Crime extensions including theft of money and securities, inside premises robbery or safe burglary, and outside the premises loss options Property Damage Extension for items in care, custody or control: $5,000 occurrence/$25,000 aggregate included (higher limits available) Note: A minimum deductible of $500 is required for this program. Underwriting Notes and Minimum Premiums Underwriting focuses on operations, revenue mix, and the percentage of tree work and pesticide application. Accounts with significant arborist work, heavy excavation, or landscaping design-only operations are typically declined. Minimum premium and specific pricing vary by state and risk characteristics; contact Cochrane & Company for current appetite and binding authority. Territories and Licensing This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA and WY. Carrier availability varies by state and risk; Cochrane & Company places business with multiple markets to fit client needs. The program is offered through the MGA—confirm admitted vs. non-admitted options with underwriting on a case-by-case basis. Why Work with Cochrane & Company Deep program focus on landscape contractor exposures and contractor equipment needs Flexible limits, umbrella capacity, and tailored endorsements for landscaping operations Available property and crime protections to support contractor operations and small fleet/in-transit exposures Responsive underwriting for common landscaping risks—agents get clear guidance on fit and limitations Example Accounts That Fit You might have a residential lawn care company with fertilizer and pesticide application services, a small fleet of trucks, and $500k of annual revenue—eligible for pesticide applicator coverage and in-transit pollution limits. You might place a sprinkler installation contractor that performs irrigation installs and seasonal maintenance, with some owned contractors’ equipment and a need for blanket additional insured endorsements for commercial clients. For more information on Landscaping Insurance with Cochrane & Company, including current carrier appetite, binding authority and submission requirements, please contact your Cochrane representative or underwriting team. Frequently Asked Questions What types of landscaping accounts are a good fit for this program?Good fits are hands-on landscape contractors focused on lawn care, sprinkler installation/maintenance, landscape installation and incidental tree trimming (under 15% of sales). The program favors contractors who perform the work themselves rather than firms that only design or subcontract all work. What are the primary limits and key endorsements available?The program can provide primary liability limits up to $3,000,000 occurrence/aggregate, umbrella/excess up to $25,000,000, blanket additional insured endorsements, pesticide/herbicide applicator coverage, E&O as a policy part, and in-transit pollution and lost key coverages. Are property and crime coverages included?Yes. Property options include building, replacement cost or ACV, contractors’ equipment and equipment breakdown. Crime coverage options include inside the premises theft of money and securities, inside robbery/safe burglary, and outside the premises theft. Is there a required deductible or minimum premium?The program requires at least a $500 deductible. Minimum premium and pricing vary by state and risk—submit the account to underwriting for an accurate indication. Which states are eligible for placement?Coverage is available in AK, CA, ID, MT, NV, NM, ND, OR, WA and WY. Carrier availability and admitted vs. non-admitted options depend on the state and specific risk—confirm with Cochrane underwriting. Need help placing an account? Connect with a market specialist.

Pumpkin Patches and Corn Maze Insurance — Cochrane & Company Cochrane & Company offers a focused program for seasonal farm attractions and fall events under the Pumpkin Patches and Corn Maze Insurance program. Designed for independent agents who place seasonal operations, this program provides tailored general liability coverage and flexible limits for pumpkin lots, pick-your-own patches, corn mazes and related on-farm amusements. Overview of the Program from Cochrane & Company This Managing General Agency places coverage for seasonal attractions with an appetite for small to mid-size pumpkin patches, pre-picked pumpkin sales, and corn maze operations. The program is set up to handle weekend and seasonal exposures, including a limited allowance for amusements and hayrides that operate off public streets. Authorized Classes and Ideal Accounts Typical accounts that fit this program: Pre-picked pumpkin lot sales and seasonal pumpkin stands Pick-your-own pumpkin patches and family farm attractions Corn mazes used for daytime or limited nighttime seasonal entertainment Seasonal operations that may include amusement devices or hayrides that do not operate on public roads Not a fit: large permanent amusement parks, operations regularly using public roadways for rides, or accounts with significant alcohol sales or large-scale mechanical rides (discuss on a case-by-case basis). Coverage Highlights and Advantages Competitive per-patch or admissions-based rates designed for seasonal businesses Limits up to a $3,000,000 general aggregate with competitive occurrence and personal/advertising injury limits Coverage can include products/completed operations exposure for seasonal sales Ability to add common on-farm activities so agents can place multiple exposures on one policy Low minimum premiums suitable for small seasonal operators Maximum Limits Available $3,000,000 General Aggregate Included Products/Completed Operations Aggregate $3,000,000 Personal/Advertising Injury $3,000,000 Occurrence $100,000 Damage to Rented Premises $1,000 Medical Payments maximum limit $100,000 / $300,000 Assault and/or Battery sublimits Fun Facts and Underwriting Terms Competitive rates on a per-patch or admissions basis Low minimum premiums — exact minimums vary by state and account Premiums are 100% fully earned for seasonal programs $500 per-claim liability deductible (standard; subject to change by underwriter) Underwriting Notes and Typical Submission Requirements To quote, Cochrane & Company typically requests: Completed application describing operations and season dates Loss runs (3–5 years preferred for renewal accounts) Estimated admissions, gross receipts and breakdown of on-site activities Site layout or map showing location of attraction, parking and ride routes Details on controls for lighting in night mazes, staffing, signage and first-aid procedures Underwriting is flexible but will review mechanical ride exposures, food and beverage sales, alcohol service, and large special events on a case-by-case basis. Territories and Admitted Status States available: CA, ID, MT, NM, OR, WA, WY. Admitted status: No States — this program is offered through Cochrane & Company as a non-admitted/surplus placement in the listed territories. Carrier availability varies by submission. Why Place This Business with Cochrane & Company Cochrane & Company brings targeted expertise for seasonal farm attractions and understands the operational rhythms of fall events. Agents will find competitive limits, specialized endorsements for common seasonal exposures, and underwriting that accommodates smaller, family-run patch operations as well as larger commercial farms running multiple attractions. Example Accounts A family farm that runs a pick-your-own pumpkin patch on weekends and a corn maze on select evenings — needs seasonal liability and products coverage with limits to reflect admissions. A community pumpkin lot with pre-picked pumpkins, a hayride that stays on private property, and a small vendor area selling baked goods — requires combined liability and products/completed operations coverage. Contact Cochrane & Company for submission guidance, appetite confirmation, and quoting details for Pumpkin Patches and Corn Maze Insurance. Frequently Asked Questions What types of pumpkin patch or corn maze accounts are a good fit for this program?Accounts that fit well are seasonal or part-time pumpkin lots, pick-your-own fields, corn mazes, and small on-farm attractions. The program is designed for operations that run on private property and may include hayrides or small amusement devices that do not operate on public streets. What limits, deductibles and special coverages are available?Limits are available up to $3,000,000 for general aggregate and occurrence, with specified limits for personal/advertising injury and products/completed operations. A standard $500 per-claim liability deductible commonly applies; additional endorsements can be considered depending on the risk. Which states and filing status apply to this program?The program is available in CA, ID, MT, NM, OR, WA and WY. Admitted status is not available—placements are handled on a non-admitted/surplus lines basis and carrier availability varies. What documents should I include with a submission?Provide a completed application describing operations and season dates, recent loss runs, estimated admissions and receipts, and a site layout. Details on staffing, signage, lighting for night operations, and controls for attractions help underwriters evaluate the risk. Are hayrides and amusement devices covered?Hayrides and small amusement devices may be eligible if they operate on private property (not on public streets) and meet underwriting requirements. Larger mechanical rides or operations with significant alcohol sales are reviewed individually and may be excluded or require additional information. Need help placing an account? Connect with a market specialist.