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Environmental Insurance Coverage — Cochrane & Company Cochrane & Company places hard-to-place environmental risk using broad market access and specialist underwriting. Our Environmental Insurance Coverage program helps you place contractors, restoration firms, manufacturers of environmental/industrial products, tank owners, dry cleaners and other accounts with pollution exposures. We work with multiple A-rated carriers and can assemble primary and excess solutions — including supported and unsupported excess — to match client needs. Overview of the Program This program supports Environmental Contractors General Liability, Pollution Liability, and Professional Liability. It also covers restoration contractors (fire/water damage, mold remediation, water extraction, air duct cleaning), environmental & industrial products (GL, products pollution, site pollution), storage tanks, dry cleaners, environmental auto, on-site and off-site site pollution exposures (including BI/PD), and environmental excess liability. Capacity is available up to $10,000,000 on excess layers. Ideal Accounts and Appetite Environmental contractors performing remediation, site work, or contracting services with pollution exposures. Restoration firms handling water/fire/mold jobs and requiring pollution and professional liability protection. Manufacturers/distributors of environmental or industrial products needing products pollution and site pollution coverage. Owners/operators of storage tanks, fuel handling locations, and dry cleaners. Fleets and autos where broadened pollution or MCS-90 filing is required (auto must be written with GL). Accounts that typically fit: firms with documented loss controls, trained remediation crews, stable revenue profiles, and manageable historic pollution claims. Accounts with ongoing large-scale environmental cleanup orders or complex legacy contamination may require specialized underwriting and additional site information. Coverage Highlights and Advantages Multiple cover types: General Liability, Contractors Pollution, Contractors Professional, Mold, Premises Pollution, Non-Owned Disposal Site, Transportation Pollution, and Auto Liability with broadened pollution endorsements. Excess placement up to $10,000,000 — supported and unsupported options depending on the account. Access to a panel of A-rated carriers (markets vary by account) through Cochrane & Company’s MGA relationships. Flexible solutions for on-site and off-site cleanups, including business interruption and property damage exposures tied to pollution events. MCS-90 filings available when auto is bound in conjunction with GL. Underwriting Notes and Minimum Premiums Underwriting focuses on the scope of operations, history of pollution claims, environmental controls, contracts and indemnity language, and the presence of professional services exposures. Standard submission materials include client applications, loss runs, scope-of-work documentation, and any environmental assessments or protocols relevant to the account. Minimum Premiums: Starting at $2,500.00. Final pricing, terms and availability depend on class, limits, prior loss history, and territory. Territories and Admitted Status Available in: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. This program is placed through non-admitted markets; admitted availability is not indicated. Specific state rules and filings may apply — underwriters will confirm on a per-account basis. Why Work With Cochrane & Company Cochrane & Company offers specialist underwriting insight, daily market access, and experience placing complex environmental risks. We can tailor programs that combine GL, pollution, and professional products with excess capacity when needed. If you have a challenging environmental placement, our brokers can package submissions for multiple carriers to secure competitive terms. Example Accounts A mold remediation contractor performing commercial restorations seeking combined Contractors Pollution and Professional Liability with limits and endorsements for scope-of-work operations. An industrial products manufacturer requiring products pollution and premises pollution coverage after a product-related contamination claim, looking for primary limits plus excess capacity. Please contact your dedicated Cochrane & Company broker to tailor an environmental insurance coverage solution for your client. Cochrane & Company can access multiple A-Rated carriers on your behalf — call us for more information. Frequently Asked Questions What types of accounts are a good fit for this Environmental Insurance program?Good fits include environmental and restoration contractors, manufacturers or distributors of environmental/industrial products, storage tank owners, dry cleaners, and fleets with pollution exposures. Ideal accounts have documented controls, manageable loss history, and clear scopes of work. What minimum premium and limits should I expect?Minimum premiums start at $2,500.00. Limits are account-specific; excess capacity is available up to $10,000,000. Final pricing and available limits depend on class, loss history, and underwriting review. Are these placements admitted or non-admitted?This program is placed through non-admitted markets (no admitted filings indicated). State availability and filing requirements will be confirmed during underwriting. What submission information do underwriters typically require?Provide a completed application, recent loss runs, description of operations/scope of work, any environmental assessments or protocols, and relevant contracts or indemnity language. Additional site or project details may be requested for large or complex risks. Is MCS-90 available for accounts with auto exposure?Yes — broadened pollution endorsements and MCS-90 filings are available when Auto Liability is written in conjunction with General Liability. Underwriters will confirm specific filing requirements per state and account. Need help placing an account? Connect with a market specialist.

Overview of the Program From Colonial General Insurance Agency, Inc. Colonial General’s Halfway House Insurance program is designed for agents placing property and liability coverage for health care and social service facilities that provide voluntary outpatient services and/or short-term or temporary stays. Available on a mono-line or packaged basis, the program combines commercial general liability, property, crime, and professional exposure options to address the mix of premises, operations and abuse/molestation risks typical of transitional care and community residential settings. Ideal Accounts and Appetite This program is a fit for facilities such as halfway houses, transitional living programs, sober living and outpatient treatment centers that offer voluntary, short-term stays and on-site services. Typical accounts include small to midsize facilities with limited medical procedures, structured supervision, and documented intake/monitoring processes. Generally acceptable: Voluntary outpatient treatment programs with temporary overnight stays Transitional residential programs and halfway houses Community support and social service facilities with on-site supervision Generally not a fit (examples): facilities providing long-term skilled nursing, inpatient acute psychiatric care, extensive surgical or inpatient medical procedures, or accounts with known regulatory or licensing issues. Underwriting will evaluate claims history, staffing, resident mix and supervision policies. Coverage Highlights and Advantages Colonial General offers broad limits and modular coverages that let you tailor policies to client exposure. Highlights include: Commercial General Liability — Primary limits up to $3,000,000 occurrence/aggregate Excess/Umbrella — Limits available up to $25,000,000 Additional interests coverage — $100 each Included coverages: Medical payments ($5,000), Errors & Omissions (professional liability) part, and Sexual & Physical Abuse coverage (up to $25,000 per claim/$50,000 aggregate; higher limits optional) Property coverage options — Accounts receivable, building, contents, business income, equipment breakdown, food spoilage, computer equipment, outside signs, valuable papers, replacement cost or ACV, and choice of basic, broad or special form Crime coverage — Inside the premises (theft of money and securities; robbery or safe burglary of other property) and Outside the premises These options help manage the common exposures for transitional care providers: third-party liability, abuse/molestation allegations, property loss and crime/theft risks tied to cash handling and communal settings. Underwriting Notes and Minimums Underwriting focuses on occupancy type, resident population, staffing levels, written policies (intake, supervision, medication control, background checks), and prior loss activity. A $500 minimum deductible is required. Appetite and terms vary by state and by market; Colonial General places accounts both admitted and non-admitted depending on available markets. Territories and Availability The program is available in: AZ, CA, CO, ID, NV, NM, UT, WY. Admitted coverage is available in some markets; where admitted placements are not available, Excess & Surplus (non-admitted) options are offered. Carrier availability varies by submission and state. Why Work With Colonial General on Halfway House Accounts As a Managing General Agency and E&S broker, Colonial General combines targeted underwriting with access to multiple markets so you can place complex transitional care risks that standard markets may decline. The program’s modular structure lets you add property, crime, professional, and abuse/molestation limits to fit client exposures. Use this market when you need flexible limits, higher umbrella capacity, or specialty abuse coverage options for voluntary residential/social service facilities. Example scenarios You have a small transitional living home that needs primary liability, contents, and business income coverage after a prior property claim — the program can package property and liability with a $500 deductible. An outpatient treatment center that occasionally houses clients overnight needs sexual/physical abuse coverage and an excess umbrella — higher umbrella limits are available through Colonial General’s markets. Frequently Asked Questions What types of accounts are a good fit for the Halfway House Insurance program?Facilities providing voluntary outpatient services and short-term or temporary stays—such as halfway houses, transitional living, sober living, and similar social service programs—are the core appetite. Underwriting will confirm staffing, supervision and intake protocols. What liability and abuse coverage limits are available?Primary commercial general liability is available up to $3,000,000 occurrence/aggregate, with excess/umbrella capacity up to $25,000,000. Sexual and physical abuse coverage is included up to $25,000 per claim/$50,000 aggregate with higher optional limits available subject to underwriting. Is property and crime coverage available through this program?Yes. Property options include building, contents, business income, equipment breakdown, replacement cost or ACV, and more. Crime coverage for inside and outside the premises (theft, robbery, safe burglary, etc.) is also available. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Beverage Manufacturing Insurance program designed for agents and brokers seeking tailored coverage solutions for beverage manufacturers and processors. Whether your client is producing non-alcoholic beverages, craft sodas, or alcoholic drinks such as beer or spirits, this program provides flexible and comprehensive protection for a wide range of exposures in the beverage industry. Ideal Accounts and Appetite This program is ideal for small to mid-sized beverage manufacturers and processors operating in the western U.S. We consider accounts involved in: Non-alcoholic beverage bottling (juices, soft drinks, flavored water, etc.) Craft breweries or distilleries (subject to eligibility) Private label beverage production Specialty or organic beverage processing We work with agents to evaluate specific classes and can help place both standard and more complex risks through our access to admitted and non-admitted markets. Coverage Highlights and Advantages Coverages are available on a monoline or package basis and can be customized to fit the insured’s operational needs. Key features include: Commercial General Liability Primary limits up to $3,000,000 Occurrence / Aggregate Hired and Non-Owned Auto Liability Liquor Liability (for applicable beverage producers) $5,000 Medical Payments – included Vendors as Additional Insureds Limited Product Withdrawal Expense – $5,000 limit included Excess or Umbrella Limits up to $25,000,000 Crime Coverage Inside the Premises – Theft of Money and Securities Robbery or Safe Burglary of Property Inside the Premises Outside the Premises Coverage Property Coverage Building and Business Personal Property Business Income and Extra Expense Computer Equipment and Valuable Papers Accounts Receivable Equipment Breakdown Food Spoilage – $5,000 limit included (higher limits available) Replacement Cost or Actual Cash Value Outside Signs Basic, Broad, or Special Form options Underwriting Notes and Minimum Premiums Colonial General’s underwriting team evaluates each submission on a case-by-case basis. While no specific minimum premium is listed, competitive pricing is available depending on risk characteristics, coverage needs, and market availability. Liquor liability, product withdrawal expense, and spoilage coverage offer built-in value for beverage production accounts. Territories and Availability This Beverage Manufacturing Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) We offer access to both admitted and non-admitted markets depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings deep expertise in niche middle-market commercial lines. We are committed to helping independent agents find the right fit for their beverage manufacturing clients—even those with unique or challenging exposures. With access to a variety of carriers and flexible underwriting, we work closely with agents to deliver timely quotes and comprehensive solutions. Whether your client is launching a new beverage line or expanding production, Colonial General is ready to help you place and service these accounts with confidence. Frequently Asked Questions What types of accounts are a good fit for this program?This program is designed for beverage manufacturers and processors, including soda bottlers, juice companies, and select alcoholic beverage producers such as craft breweries and distilleries. Is Liquor Liability included in the coverage?Yes, Liquor Liability coverage is available for eligible accounts that manufacture or distribute alcoholic beverages. Can I submit a monoline General Liability or Property policy?Yes, both monoline and package policies are available depending on the insured’s needs and underwriting criteria. What states is this program available in?Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Are additional insured endorsements available for vendors?Yes, vendors can be added as additional insureds under the General Liability coverage. Need help placing an account? Connect with a market specialist.

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Apartment House Insurance Program from Colonial General Insurance Agency, Inc. Colonial General Insurance Agency, Inc. offers a comprehensive Apartment House Insurance program designed for agents and brokers seeking reliable markets for habitational risks. With access to a variety of carriers and both admitted and non-admitted options (depending on the market), Colonial General provides tailored solutions for apartment buildings, rooming or boarding houses, and apartment hotels with five or more units. Ideal Accounts and Appetite This program is ideal for residential rental properties such as: Apartment buildings with 5+ units Boarding or rooming houses Apartment hotels Whether you're working with a property owner managing a small walk-up complex or a mid-sized investor with multiple properties, this program offers flexibility and broad eligibility. Accounts with solid maintenance history and professional property management are typically preferred. Coverage Highlights and Advantages Property Coverage Available: Basic, Broad, or Special Form Building and Contents Business Income Equipment Breakdown Computer Equipment Accounts Receivable Inland Marine Outside Signs Valuable Papers Replacement Cost or Actual Cash Value Commercial General Liability Coverage: Primary limits up to $3 million occurrence/aggregate $5,000 Medical Payments Coverage – included Additional Interests – included at no extra charge Hired and Non-owned Auto coverage Excess or Umbrella limits up to $25 million No deductible required Crime Coverage Options: Inside the Premises – Theft of Money and Securities Inside the Premises – Robbery or Safe Burglary of Other Property Outside the Premises The program is available on a mono-line or package policy basis, offering flexibility depending on your client’s needs. Whether your insured is concerned about property damage, liability claims, or crime-related losses, you can deliver a complete solution through Colonial General’s markets. Underwriting Notes and Market Access Colonial General works with a range of carriers, allowing for broad underwriting flexibility. While some admitted markets are available, others may be placed on an E&S basis depending on property characteristics and location. No deductible is required for general liability coverage, and favorable pricing may be available for well-maintained properties with professional oversight. Territories and Availability This program is available to licensed producers placing business in the following states: Arizona California Colorado Idaho Nevada New Mexico Utah Wyoming Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and deep market access to the habitational sector. Their responsive underwriting team understands the nuances of apartment house risks and helps agents place accounts that might not fit standard markets. From competitive umbrella limits to robust property and crime coverage, Colonial General equips you with the tools to meet your clients’ expectations. Whether you have a landlord client expanding their portfolio or a real estate investor with mixed-use buildings, this program offers the flexibility and strength you need to win and retain business. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include apartment buildings with five or more units, rooming houses, boarding houses, and apartment hotels. Properties with professional management and good maintenance history are preferred. Is this program available on an admitted basis?Some admitted markets are available, but coverage may also be written on a non-admitted basis depending on the risk and location. Can I write liability coverage without property coverage?Yes, Colonial General offers both mono-line and package policy options, allowing you to customize coverage based on your client's needs. What limits are available for general liability?Primary general liability limits go up to $3 million per occurrence/aggregate, with excess or umbrella limits available up to $25 million. Which states is this program available in?The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Need help placing an account? Connect with a market specialist.

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...ten primarily on a non-admitted homeowners platform, giving you a flexible option when a standard homeowners policy is not suitable. Ideal A...truction projects? Yes. If a homeowners form is not appropriate during c...

...program is a strong fit for: Homeowners seeking Comprehensive Personal Liab...

Policy Highlights: Colonial General Insurance Agency, Inc. offers a specialized Cabinet Making Insurance program tailored to woodworking operations of all sizes. Whether your client builds custom cabinets, fabricates doors and windows, or manufactures furniture, this program provides flexible coverage solutions to protect property, liability, equipment, and crime exposures. Coverage can be written on a mono-line or package basis, allowing you to tailor the policy to your insured’s risk profile and operations. Ideal Accounts and Appetite This program is designed for cabinet makers and other woodworking businesses involved in the manufacture, installation, or repair of wood products. Ideal risks include: Small to mid-sized cabinet manufacturing shops Custom woodworking contractors Furniture fabricators Window and door makers The program accommodates single-location workshops as well as contractors with multiple field crews. It is best suited for operations that perform fabrication, finishing, on-site installation, and light to moderate finishing processes. Accounts with extensive heavy manufacturing, high-hazard finishing (e.g., large industrial spray operations without proper controls), or significant outsourced subcontracting should be submitted with full details for underwriting review. Coverage Highlights and Advantages Commercial General Liability Coverage: Primary limits available up to $3,000,000 occurrence/aggregate Hired and Non-Owned Auto Liability included Standard included coverages: Medical Payments – $5,000 limit Additional insureds for contractors and project owners Excess or Umbrella limits available up to $25,000,000 Minimum deductible of $500 required Property Coverage Options: Building and contents Business income and interruption Contractors’ equipment and tools Equipment breakdown Installation floaters for on-site work Outside signs Valuable papers and accounts receivable Bailees’ customer coverage Basic, Broad, or Special form options Replacement cost or actual cash value valuation Crime Coverage Options: Inside the premises – theft of money and securities Robbery or safe burglary of property inside the premises Outside the premises coverage for transit exposures Underwriting Notes and Market Access Colonial General places cabinet making and woodworking risks with a variety of admitted and excess & surplus markets. Submission review is case-by-case to ensure appropriate placement and terms. Typical underwriting considerations include the client’s loss history, finishing processes, fire protection and sprinklers, storage of flammable materials, spray booth controls, tools and equipment values, and installation exposure. A minimum deductible of $500 applies. Territories and Availability This Cabinet Making Insurance program is available in the following states: Arizona (AZ) California (CA) Colorado (CO) Idaho (ID) Nevada (NV) New Mexico (NM) Utah (UT) Wyoming (WY) Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides underwriting experience and broad market access for niche and hard-to-place woodworking risks. They combine specialty product knowledge with flexible placement options—admitted where available and E&S where necessary—to help you secure appropriate coverage for challenging accounts. Their platform supports package or monoline placements and can layer excess or umbrella capacity when higher limits are needed. Example accounts that fit well with this program: A single-location custom cabinet shop that fabricates, finishes, and installs cabinets and needs property, equipment, and installation floater coverage for on-site work. A regional millwork contractor with crews in the field that requires hired/non-owned auto liability, contractor’s equipment coverage, and additional insured endorsements for project owners. For more information about Colonial General Insurance Agency, Inc., visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for cabinet makers, custom woodworking shops, furniture builders, and businesses that manufacture or install doors and windows. Is this program available on an admitted basis?Some markets are admitted depending on the account and state. Colonial General has access to both admitted and non-admitted carriers to meet client needs. Can I write this coverage as a package policy?Yes. Coverage can be issued on a mono-line or package basis to give you flexibility in structuring the policy. What states is this program available in?This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What limits are available under the liability coverage?Primary general liability limits are available up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000. Need help placing an account? Connect with a market specialist.