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...own. Overview of the Cannabis/Marijuana Insurance Program CK Specialty offers a comprehensive Cannabis/Marijuana Insurance program designed to serve...rers • Wholesalers / Distributors • Marijuana Transportation • Delivery Servic...

Program Coverage QuadScore offers best in class coverage terms, capacity, and risk management services to the Cannabis industry. QuadScore tailors insurance programs that fit the needs of each individual insured, satisfy lender and investor requirements, and fulfill state-specific insurance requirements nationwide. Products Offered General Liability Product Liability Product including Crop Motor Truck Cargo Builder's Risk Auto Liability & Physical Damage Directors & Officers (D&O) in Canada & the U.S. Eligible Class of Business Cultivators Distributors Testing Laboratories Manufacturers Retail Dispensaries Multi-State Operators in the USA Canadian Licensed Producers D&O Single State Operators Ancillary Businesses Financial Services Firms Focused on Cannabis Authorized Program Territory Property & Casualty in all U.S. states where cannabis is legal medically or recreationally. QuadScore can also offer US & Canadian Directors & Officers Liability. Coverage QuadScore offers robust General Liability and Product Liability insurance which is tailored to respond to the needs of cannabis-touching operations and includes primary limits up to $10M with various retention structures. In an ever-changing landscape with no uniform regulation, our casualty offerings empower our broker partners to equip insureds with responsive coverage they need. Coverage includes but is not limited to: Premises Liability Products liability Damages to Premises Rented to You Hired and Non-Owned Auto Assault & Battery Our Property insurance provides required coverage for cannabis-touching businesses, ranging from cultivation to retail sales. QuadScore offers a limit capacity of $40m+ available depending on risk profile. Terms and offerings can be customized to meet client needs and match gaps in current coverage. Coverage includes but is not limited to: Building Tenants' Improvements & Betterments Personal Property of Others Machinery & Equipment Business Interruption/Income Cannabis Stock Indoor Crop QuadScore offers Motor Truck Cargo coverage for in-transit property for cannabis businesses, including cargo, cash, and securities. We utilize market-leading risk control technology to limit your exposures and lower your premiums. Coverage includes but is not limited to: Cargo Money & Securities Whether constructing a brand new facility ground-up or renovating an existing space, QuadScore has solutions to ensure your Builder's Risk needs are met. Our QuadScore Risk Services team is available to connect you with the right vendors to ensure your construction project leads to efficient, safe facilities once complete. Coverage includes but is not limited to: · Building Materials and Supplies · Standing Buildings · Debris Removal · Expediting Expenses · Ordinance or Law We can offer both Automobile Liability and Automobile Physical Damage coverage for licensed cannabis-touching businesses. Our offerings are structured to meet liability requirements. Coverage includes but is not limited to: Auto Liability Physical Damage Uninsured Motorist Medical Payments QuadScore can also provide comprehensive Directors & Officers Liability insurance solutions for the cannabis industry. With limits up to $10m, primary and excess capabilities, combined to write in both the US and Canada, Quadscore has the solutions to meet the most complex cannabis D&O needs. We understand your concerns and needs and are here to provide solutions which offer true peace of mind. Coverage includes but is not limited to: Primary ABC Follow Form Excess Side "A" Difference in Conditions (DIC) Risk Services Our team works to understand cannabis business’s unique operations and mitigate the associated risks accordingly. We aim to foster a positive relationship with our clients by providing services tailored to their needs throughout the ever-shifting landscape of cannabis. We offer exclusive services from leading cannabis risk service firms to help mitigate losses in the following areas: Security Assessments Cultivation Lighting Wildfire and Fire protection Boiler & Machinery Manufacturing & Extraction Safety Automotive Safety Resources Telematics & Tracking Driver Training Drone Surveys Engineering Inspections Infrared Equipment Scans Primary Contacts: Brad Robinette Chief Marketing Officer QuadScore Insurance Services Submit Today! [email protected]

The cannabis insurance market continues to expand and evolve. Amwins Program Underwriters’ Cannabis program delivers focused property & casualty solutions for the emerging risks cannabis and hemp businesses face. With low minimum premiums, streamlined applications and fast turnaround, Amwins Underwriting is positioned to be your one-stop market for placing coverage across the cannabis supply chain. Ideal accounts and appetite This program targets operators across the licensed cannabis and hemp industries. It is a strong fit for accounts that need standard property and liability protections tailored to cannabis exposures rather than bespoke, high-capacity or highly complex package placements. Dispensaries and retail operations Wholesalers and distributors Cultivation — indoor and outdoor Delivery and transport (including offsite/transit coverage) Manufacturers — extraction, infused products, bakeries Hemp, CBD and minor cannabinoid producers Testing labs and consultants Lessor’s risk for mixed-use properties (incidental habitational and non-cannabis tenants acceptable) Coverage highlights and advantages Amwins’ Cannabis P&C program offers both monoline and packaged options designed for cannabis-specific exposures. Underwriting is handled by underwriters experienced with this industry, which helps produce competitive terms and more consistent placements than generalist markets. Property — monoline or packaged solutions Equipment breakdown General liability and products liability Inland marine and property-in-transit endorsements Limits available include general liability up to $2m/$2m, products liability up to $1m/$2m and property limits to $15m per location, subject to underwriting and state availability. Underwriting notes and minimums The program keeps application requirements straightforward to enable quick quotes. Standard eligibility focuses on licensed operators with documented compliance programs and typical risk controls (inventory controls, secured storage, licensed transport procedures, etc.). The program’s stated minimum premium is $750. Large or unusually hazardous operations may require referral to specialty markets. Territories and availability The program is available in all U.S. states where cannabis or hemp is legal, including—but not limited to—the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and specific coverages may vary by state and local regulatory environment. Why place this business with Amwins Underwriting Amwins Program Underwriters combines targeted cannabis underwriting expertise with programmatic efficiency. You can expect underwriters who understand cultivation, manufacturing and retail exposures and who provide product options that reflect the unique operational risks of the industry. Example placements: A single-location dispensary seeking a packaged property and GL policy with transit coverage for deliveries. A mid-size indoor cultivator that needs equipment breakdown coverage and higher property limits at one primary location. For additional details, click here to visit our website. Frequently Asked Questions What types of cannabis accounts are a good fit for this program?This program fits licensed dispensaries, wholesalers, cultivators (indoor and outdoor), manufacturers (extraction and infused products), testing labs, delivery/transport operators and lessor’s risks with incidental non-cannabis tenants. Complex or high-capacity industrial operations may require referral. What coverages can I get through Amwins Program Underwriters’ Cannabis program?Agents can place property (monoline or packaged), equipment breakdown, general liability, products liability, inland marine and property-in-transit endorsements. Limits and specific terms depend on underwriting and state requirements. Are there minimum premiums or submission requirements I should know about?The program has a stated minimum premium of $750. The underwriting team favors straightforward submissions with clear licensing documentation, inventory controls and basic risk-management practices to enable quicker binding. Which states are eligible for placement?The program is available in U.S. states where cannabis or hemp is legal. State availability and coverages vary; confirm state-specific appetite and restrictions with underwriting on each submission. Need help placing an account? Connect with a market specialist.

...clinical training facilities Marijuana education programs where training e...

Cochrane & Company's Specialty Auto Insurance helps agents place not-for-hire commercial auto exposures for businesses that operate primarily within a 300-mile radius. This program is designed for companies that need flexible liability and physical damage solutions for work vehicles that are not used for for-hire haulage. Target classes — Eligible exposures Catering businesses Farms and dairies Household goods movers (local) Wholesale and retail delivery Food delivery (non-pizza operations) Mobile businesses and couriers Magazine and newspaper distributors Armored cars Manufacturing businesses Ready-mix operations (cement mixers, concrete pumpers) Funeral operations Vacuum trucks and street sweepers Contractors, cranes and boom trucks Not eligible Hazardous materials carriers (incidental household products such as spray paint, cleaners, batteries are acceptable) Petroleum-based product haulers (refer to petroleum marketer programs) For-hire, revenue-generating trucking units (refer to trucking programs) Pizza delivery operations Triple trailers, end-dump or side-dump trailers Regulated medical or biohazardous waste Mobile-home toters Any risk hauling logs Student drivers or risks allowing nonemployee passengers Underwriting requirements Loss history for current and prior three policy years Complete VINs for all power units Complete drivers’ roster (all drivers must have acceptable MVRs) Coverage features include: Automobile liability limits up to $5 million Uninsured/underinsured motorist, medical payments and personal injury protection Physical damage for schedules of vehicles Motor truck cargo / inland marine options Multi-line discounts when you package other business lines Overview — Cochrane & Company Specialty Auto Insurance This program is offered by Cochrane & Company through multiple carriers and is positioned to serve agents who need admitted and excess & surplus solutions for specialty commercial auto risks. As a Managing General Agency and Excess & Surplus lines broker, Cochrane provides underwriting access, flexible reporting options, and tailored terms for niche local fleets and specialty operations. Ideal accounts and appetite Agents should consider this program for local businesses that operate their own not-for-hire vehicles. Typical clients include local delivery fleets, contractors with work trucks, ready-mix operators, and service businesses that operate within a regional footprint. The program favors operations with disciplined driver selection, good maintenance programs, and stable loss histories. Example scenarios: You have a regional catering company with 10 refrigerated vans that deliver to events within a 200-mile radius — eligible for liability and physical damage coverage. A concrete supplier runs mixers and concrete pumpers locally and needs limits above standard commercial auto offerings — this program can provide higher liability limits and cargo options. Coverage highlights and advantages Higher liability limits (up to $5M) for operations with elevated exposure. Broad coverages including UM/UIM, PIP/Med pay, and comprehensive/ collision where appropriate. Motor truck cargo / inland marine options for legal-liability exposure on local hauls. Flexible reporting basis (mileage, gross receipts, per vehicle, or total insured value) to match how your insureds operate. Multi-line discounts available when you place additional business through the same carrier relationships. Underwriting notes and minimum premiums Underwriters require complete VINs for power units, a full drivers’ list with acceptable MVRs, and loss runs for the current and prior three years. The program does not generally accept risks that allow nonemployee passengers, student drivers, or operations hauling hazardous or regulated waste. Minimum premium: Varies by state, exposure and carrier. Reporting capabilities Cochrane offers real-time, flexible reporting options to fit your clients’ operations. Available line/coverage reporting bases include: Commercial Auto — Liability (including PIP, UM/UIM, Med pay), Physical Damage, Hired Auto, Trailer Interchange Inland Marine — Motor Truck Cargo (Legal Liability Reporting Form) Reporting basis options — Mileage, Gross Receipts, Per Vehicle, Total Insured Value Territories and availability States available: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, WY. Admitted status: Most Available Markets. Carriers: Multiple Carries. Cochrane places business across admitted and non-admitted markets as appropriate for the risk. Why work with Cochrane & Company on Specialty Auto Program-level underwriting expertise for specialty, regional fleets and unique not-for-hire operations. Access to multiple carriers and flexible reporting structures to match book-of-business needs. Hands-on submission guidance — the underwriting checklist above helps speed placement and reduce follow-ups. Contact Cochrane & Company today to place Specialty Auto Insurance risks through this program. Frequently Asked Questions What types of accounts are a good fit for this Specialty Auto program?Accounts that operate not-for-hire vehicles within a roughly 300-mile radius and have stable driver programs are a good fit — examples include local delivery fleets, contractors, ready-mix operators, and service businesses with owned work vehicles. What underwriting information does Cochrane require with a submission?Provide loss runs for the current and prior three years, complete VINs for all power units, and a full drivers’ list with acceptable MVRs. Clear documentation of vehicle use and mileage or receipts helps select the correct reporting basis. Are motor truck cargo and inland marine coverages available?Yes. Motor truck cargo (legal liability) options are available through the program and can be reported using mileage, gross receipts, per vehicle, or total insured value—depending on the exposure. Need help placing an account? Connect with a market specialist.

Fiduciary Liability Insurance & ERISA The Employee Retirement Income Security Act of 1974 (ERISA) creates broad fiduciary responsibilities for anyone who designs, sponsors, administers or manages employee benefit plans. Employers, plan administrators, plan committees and individual fiduciaries can face claims arising from pension and welfare plans, including 401(k)s, profit-sharing plans, medical and life benefits, scholarship programs and prepaid legal plans. Common allegations we see on Fiduciary Liability accounts include: Errors during plan mergers, terminations or asset transfers Negligent administration or procedural mistakes Inadequate or inaccurate plan disclosures Allegations of imprudent investment of plan assets Failure to pursue or collect delinquent contributions Claims based on lack of due diligence in selecting or monitoring service providers Other miscellaneous fiduciary breach allegations Alexander J. Wayne & Associates, Inc. offers both standalone Fiduciary Liability policies and D&O package options that include fiduciary coverage—delivered as a wholesale broker with access to all major U.S. carriers and Lloyd’s of London (domestic and London open market). Overview — Program from Alexander J. Wayne & Associates, Inc. As a wholesale broker, Alexander J. Wayne & Associates places Fiduciary Liability Insurance for plan sponsors, administrators and fiduciaries who need ERISA-focused protection. We work with admitted and non-admitted markets to find solutions for straightforward and complex single-employer plans, multiple-employer plans and third-party administrators. Ideal Accounts and Appetite Private and public employers that sponsor 401(k), pension, profit-sharing and welfare plans Plan administrators, boards of trustees and named fiduciaries seeking fiduciary error defense Third-party administrators (TPAs) and recordkeepers with clear controls and documented procedures Taft-Hartley funds and multi-employer plans with standard governance practices We typically consider accounts with documented governance, regular investment monitoring, and up-to-date plan disclosures. Accounts with ongoing litigation, significant asset miss-management or material regulatory violations may require special underwriting and placement strategies. Coverage Highlights and Advantages Standalone fiduciary forms or packaged with Directors & Officers coverage for broader protection Access to competitive markets, including Lloyd’s capacity for large or complex placements Underwriting tailored for ERISA exposures—focus on plan governance, investment oversight and sponsor practices Flexible limit and deductible structures depending on risk characteristics Underwriting Notes and Submission Tips Provide the following to speed placement: current plan documents, recent Form 5500s, summary plan descriptions, investment policy statements, fiduciary training records and details on any prior or pending claims. Highlight documented procedures for monitoring investments and selecting service providers. If you have an account with recent plan mergers, terminations or suspicious asset transfers, disclose those early in the submission—those items materially affect terms and market selection. Territories and Availability This program is available through Alexander J. Wayne & Associates in the following states and territories: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. We place both admitted and non-admitted coverage depending on the risk and client needs. Why Work With Alexander J. Wayne & Associates, Inc.? Wholesale broker relationships with major U.S. carriers and Lloyd’s of London for broad capacity Experience placing ERISA and fiduciary risks across a wide range of industries and plan sizes Responsive underwriting advocacy to secure appropriate forms and competitive terms Options for standalone fiduciary policies or combined D&O/Fiduciary placements Example scenarios You have a mid-size employer sponsoring a 401(k) and a small defined benefit plan that needs standalone fiduciary limits and ERISA defense—this program can access carriers that are comfortable with mixed-plan portfolios. You represent a TPA seeking fiduciary coverage for third-party administration services with documented controls—markets through Alexander J. Wayne can consider package placements or standalone forms. Frequently Asked Questions What types of accounts are a good fit for this Fiduciary Liability program?Plan sponsors (401(k), profit-sharing, pension), plan administrators, TPAs and boards of trustees with documented governance and investment oversight are ideal. Taft-Hartley and multi-employer plans with regular reporting are also considered. Do you offer standalone fiduciary coverage or only package placements?We offer both. Alexander J. Wayne places standalone Fiduciary Liability policies and D&O package policies that include fiduciary coverage, depending on market appetite and the client’s needs. Which states and markets are available?The program is available in AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI and WY. We place with major U.S. carriers and Lloyd’s of London across admitted and non-admitted markets. What key documents should I include with a submission?Include plan documents, Form 5500s, summary plan descriptions, investment policy statements, records of fiduciary training and any prior claim history to speed underwriting and improve placement options. Need help placing an account? Connect with a market specialist.

Roofing Contractors Insurance Program from Cochrane & Company If you're looking to place roofing contractor accounts, Cochrane & Company offers a specialized Roofing Contractors Insurance program designed for qualified residential and light commercial roofers. Backed by an A+ XV A.M. Best Rated Excess & Surplus Lines Carrier and supported by responsive claims service, this program is ideal for experienced contractors with solid loss histories. Ideal Accounts and Appetite We are actively seeking roofing contractors with at least three years of experience in repairs, replacements, or new installations. Our program is best suited for contractors whose primary business (over 60%) involves repair or replacement work. New construction must make up no more than 40% of operations. Acceptable classes include: Residential roofing contractors Light commercial roofing contractors Restrictions include: No hot tar, torch-down, or other hot work No flat roof work Subcontracted work must be under 25% of total operations Example: You might have a client who operates a small residential roofing business focusing on shingle replacements and minor commercial patch jobs. This type of account is a great match for our underwriting appetite. Coverage Highlights and Advantages Our Roofing Contractors Insurance program provides broad protection tailored to the needs of roofing professionals. Available coverages include: Property Coverages: Basic, Broad, or Special Form options Property Extension Endorsement available Inland Marine coverage General Liability: Limits up to: $2 million general aggregate $2 million products/completed operations aggregate $2 million personal/advertising injury $2 million per occurrence $100,000 damage to rented premises $1,000 medical payments Deductibles: $1,000 BI / $2,500 PD Per Project Aggregate available Blanket Additional Insured and Limited Waiver of Subrogation options CG2037 Completed Operations endorsement available for commercial jobs Competitive state-chart rating tools Underwriting Notes and Minimum Premiums This is a non-admitted program available through Cochrane & Company’s strong carrier relationships. Minimum premiums vary based on risk characteristics and state-specific factors. We aim to provide competitive pricing for qualified risks with good loss experience. Territories and Availability Our Roofing Contractors Insurance program is available in the following states: California Idaho Montana New Mexico Oregon Washington Wyoming Why Work With Cochrane & Company As a Managing General Agency with decades of experience in the roofing and construction space, Cochrane & Company offers agents access to niche underwriting expertise and strong carrier partnerships. Our responsive team helps you navigate non-admitted placements efficiently and effectively—so you can serve your contractor clients with confidence. Thank you for considering Cochrane & Company’s Roofing Contractors Insurance program. We look forward to helping you place your next roofing risk. Frequently Asked Questions What types of accounts are a good fit for this Roofing Contractors Insurance program?We are looking for residential and light commercial roofing contractors with at least three years of experience and a focus on repairs and replacements. New construction should be limited to 40% of operations or less. Are hot tar or flat roof jobs eligible for coverage?No, our program excludes risks involving hot tar, torch-down applications, hot work, and flat roof work. Can subcontracted work be included?Yes, but subcontracted work must account for less than 25% of the contractor’s operations to qualify for this program. Which states is this program available in?This program is available in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is this program admitted or non-admitted?This is a non-admitted program written through an A+ XV A.M. Best Rated Excess & Surplus Lines Carrier. Need help placing an account? Connect with a market specialist.

Special Events Insurance Program from Cochrane & Company Cochrane & Company offers a focused Special Events Insurance program that helps agents and brokers place one-day or short-term event liability for clients. Whether the insured is running a wedding reception, fundraiser, festival, corporate party, or concert, this program is designed to address the common exposures that arise at temporary events. As a Managing General Agency with more than 25 years of liquor liability experience, Cochrane & Company understands the added risks when alcohol service, temporary staff, volunteers, food vendors, and large crowds are involved. Policies are written on a non-admitted basis and are available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Ideal Accounts and Appetite This program is a good fit for short-duration events including: Weddings, receptions, and private parties Charity events and fundraisers Festivals, fairs, parades, and community events Corporate events and company functions Concerts and live performances (one-day or limited series) Events with on-site alcohol service—whether provided by the insured or a contracted vendor—are within appetite. Accounts hosted at rented venues, those using temporary workers or volunteers, and events with food vendors are also eligible. Higher-risk exposures such as large multi-day festivals, venues with known crowd-control issues, or events where underage drinking is uncontrolled should be reviewed with underwriters in advance. Coverage Highlights and Advantages The Special Events program includes coverages commonly requested for event placements: Liquor Liability: Separate limits available for negligent service to intoxicated or underage attendees General Liability: Coverage for bodily injury, property damage, and medical payments No Deductible: Reduces out-of-pocket exposure for insureds Damage to Rented Premises: Broader coverage than basic fire-only limits Food & Beverage Product Liability: Protection for food-borne illness and related claims Expense Costs Outside Policy Limit: Select costs can be paid outside the underlying limit to help preserve limits for third-party claims Additional Insured Endorsements: Venues and landlords can be added at no extra charge Temporary Workers & Volunteers: Automatically included as insureds where applicable Claims Expertise: Dedicated claims unit with liquor liability and event experience Underwriting Notes and Minimum Premiums Cochrane underwrites each event individually to allow flexibility in coverage and pricing. Minimum premiums vary by event type, size, and state. When submitting, be prepared to provide: Expected attendance and duration Alcohol service details (who serves, ticketed vs. open bar) Venue type (private residence, rented hall, outdoor park, etc.) Use of vendors, food trucks, or amusement vendors Information on security, crowd control, and temporary staffing Territories and Availability This program is available on a non-admitted basis in: Arizona, California, Idaho, Montana, Nevada, North Dakota, Oregon, Utah, Washington, and Wyoming. Availability may vary by carrier and odd-limit requests should be discussed with underwriting. Why Work With Cochrane & Company? Cochrane & Company brings decades of focused liquor and event liability underwriting. Their strengths include deep market relationships for alcohol liability placements, a claims unit experienced with event-related exposures, and flexible underwriting for single-event and small-series placements. Those features can help you place accounts quickly and reduce surprises at bind/claim time. Example scenarios you can place through this program: a couple hosting a private wedding reception at a rented venue with a hired bartender and food trucks; or a local nonprofit running a one-day outdoor fundraiser with volunteers and a temporary beer garden. Both situations typically fit the program when event controls and vendor agreements are in place. For more information or to submit a risk, contact Cochrane & Company or visit their company profile. Frequently Asked Questions What types of accounts are a good fit for this program?Events like weddings, festivals, corporate functions, and fundraisers—especially those involving alcohol service—are ideal for this program. Can venues be listed as additional insureds?Yes. Venues and landlords can be added as additional insureds at no extra cost under this program. Is liquor liability included in the policy?Liquor liability is available with separate limits and can be written alongside general liability to cover negligent service claims. What states is this program available in?This program is available in AZ, CA, ID, MT, NV, ND, OR, UT, WA, and WY. Are temporary staff and volunteers covered?Yes. Temporary workers and volunteers are typically included as insureds under the policy. Need help placing an account? Connect with a market specialist.

Used Car Dealers Insurance Program from Cochrane & Company If you're an agent or broker seeking a reliable market for used car dealerships and related vehicle sales operations, Cochrane & Company offers a flexible and responsive Used Car Dealers Insurance program. Designed for independent dealers across multiple vehicle classes, this program is ideal for clients looking for comprehensive garage coverage—even if they are new ventures with prior industry experience. Ideal Accounts and Appetite This program is built for a wide range of automotive sales operations, including those with niche or specialty vehicles. Common target accounts include: Independent used car dealerships RV and travel trailer dealers Heavy truck and equipment resellers Motorcycle, ATV, and snowmobile dealers Boat dealers (excluding on-water exposures) New ventures are acceptable when the insured has prior experience in automotive sales or operations, making this a strong option for start-up dealerships transitioning from other roles in the industry. Coverage Highlights and Advantages The Used Car Dealers Insurance program provides essential garage coverages tailored to the unique risks associated with vehicle sales. Key coverages include: Dealer’s Open Lot Coverage – for physical damage to vehicles held for sale Garage Liability – protects against third-party bodily injury and property damage Customized Questionnaires – for RVs, motorcycles, ATVs, and snowmobiles to ensure proper underwriting and rating Underwriting Notes and Submission Requirements To streamline the quoting process, agents should submit the following: Completed Garage Application RV Questionnaire (if applicable) Motorcycle and Off-Road Vehicle Questionnaire (if applicable) Minimum premiums vary based on account size and risk profile. The program is underwritten on a non-admitted basis through various carriers. Unacceptable Risks Certain operations fall outside the program’s underwriting appetite, including: Franchised dealerships selling cars, trucks, truck tractors, or semi-trailers Shops engaged in custom frame modification or fabrication Territories and Availability This program is available to agents and brokers placing business in the following states: Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Washington, and Wyoming. Why Work with Cochrane & Company? As a Managing General Agency with deep experience in niche commercial risks, Cochrane & Company offers access to competitive markets and knowledgeable underwriters. Whether you're placing a small used car lot or a multi-unit RV dealership, Cochrane provides the tools and support you need to deliver strong solutions to your clients. If you’re looking for a responsive partner to help you place your next dealership account, Cochrane & Company is ready to assist. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for independent used car dealers, RV and heavy equipment dealers, as well as motorcycle, ATV, snowmobile, and boat resellers (excluding on-water exposure). Can new ventures qualify for coverage?Yes, new ventures are considered if the insured has previous experience in the automotive or vehicle sales industry. What documents are required to submit a quote?You will need a completed Garage Application and, if applicable, RV or Motorcycle/Off-Road Vehicle Questionnaires based on the types of vehicles sold. Is this program available on an admitted basis?No, this is a non-admitted program written through various carriers. In which states is the program offered?This program is available in Arizona, Colorado, Idaho, Montana, Nevada, New Mexico, Oregon, Washington, and Wyoming. Need help placing an account? Connect with a market specialist.

Employee lawsuits can be devastating to a business—they can be inconvenient, costly, and time-consuming. Employment-related claims continue to rise across the United States, posing a significant threat to businesses of all sizes—especially small and mid-sized companies that may lack the resources to defend against such claims. Whether it's allegations of discrimination, harassment, wrongful termination, or violations of workplace laws, employers need protection. With Employer Practices Liability Insurance (EPLI) from Alexander J. Wayne & Associates, Inc., insurance agents and brokers can help their clients manage this growing exposure. Our comprehensive EPLI program is designed to safeguard businesses against the financial and reputational damage that can stem from employee lawsuits. Ideal Accounts and Appetite We work with a wide variety of businesses across all industries. This program is a strong fit for: Small to mid-sized businesses with 5–500 employees Privately held companies or nonprofits Clients with prior employment practices policies or new to EPLI coverage Accounts with a commitment to formal HR practices and workplace policies You might have a client in retail, hospitality, healthcare, or professional services who recently terminated an employee and is concerned about potential claims. This program can help protect them from the legal and financial fallout. Coverage Highlights and Advantages Our EPLI program includes broad, flexible protection to address the evolving risks of the modern workplace. Coverage features include: • Third Party Liability • Discrimination • Wrongful Termination • Defense Costs Outside the Limits • No Intentional Acts Exclusion • Internet and Email-Related Employment Acts • Coverage for Retaliation, Demotion, Failure to Promote, Wrongful Discipline, and more • Violations of the Family Medical Leave Act (FMLA) • Extension of Coverage for Lawful Spouses • Broad Definition of Harassment, including Sexual Harassment • Free Employment Practices Hotline – Unlimited Calls, No Time Limits • FLSA Sublimit Underwriting Notes and Minimum Premiums Premiums for this program start as low as $1,500, making it accessible for a wide range of clients. The application process itself provides valuable insights for businesses looking to improve their internal employment practices—even before binding coverage. We offer flexible underwriting and access to most major insurance markets writing EPLI, including but not limited to ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and more. Territories and Availability This program is available in all 50 states and Washington, D.C., giving you nationwide reach for your clients. Whether your client is in California, Texas, New York, or a smaller market, we can help you find the right EPLI solution. Why Work With Alexander J. Wayne & Associates, Inc. As a leading wholesale broker with deep expertise in EPLI and professional liability, Alexander J. Wayne & Associates, Inc. is your go-to partner for hard-to-place or specialized employment practices risks. We provide responsive service, expert guidance, and access to top-tier carriers—ensuring you get the best coverage options for your clients. Let us help you offer peace of mind to your commercial clients by protecting them from today’s complex employment risks. Frequently Asked Questions What types of accounts are a good fit for this EPLI program?Small to mid-sized businesses across various industries—especially those with 5 to 500 employees—are ideal for this program. We also work with nonprofits and privately held companies. Which states is this program available in?This Employer Practices Liability Insurance program is available in all 50 states and Washington, D.C. What carriers do you work with for EPLI coverage?We have access to a wide range of top-rated carriers, including ACE USA, Beazley, CNA, Chartis, Allied World, Axis, and many others. Is there a minimum premium requirement?Yes, the minimum premium for this EPLI program typically starts at $1,500, though this may vary based on the account. Does the program include any value-added services?Yes, the program includes a free employment practices hotline with unlimited calls and no time limits, providing added value to your insureds. Need help placing an account? Connect with a market specialist.