Search CompleteMarkets

Overview of the Schools Insurance Program from Cochrane & Co... can be added to protect specialized school equipment. How do I submit an acco...

...own. Overview of the Cannabis/Marijuana Insurance Program CK Specialty offers a comprehensive Cannabis/Marijuana Insurance program designed to serve...sk Only (LRO) • Cannabis Education / Schools If you’re working with a startu...

Commercial Child Care and Nursery School Insurance from Cochrane & Company...ensed child care centers and nursery schools are eligible. This includes daycares and preschools with structured programming and a...

...clinical training facilities Marijuana education programs where training e...thetics instructors, massage therapy schools, tattoo and piercing apprenticesh...

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.

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.

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.

Why do your clients need Residential Child Care Insurance? A child suffers bodily injury while using playground equipment on your client’s premises A parent files a false accusation of abuse or molestation against staff or volunteers An employee accidentally spills hot liquid on a child, causing injury A parent experiences emotional distress due to lack of proper permission for a field trip Residential Child Care Insurance Program from Cochrane & Company Cochrane & Company offers a targeted Residential Child Care Insurance program that helps agents place coverage for facilities and home-based operations that care for children. The program is underwritten for the unique liability and professional risks of residential child care—licensed or unlicensed—including operations that serve special needs children or run activities such as supervised swimming or keep pets on site. Ideal Accounts and Appetite This program is well suited for a variety of residential child care models, including: Small in-home day care and residential group homes Programs that accept drop-in or temporary placements Providers with pets on the premises Operations with access to public pools or shallow wading pools (up to 24" deep) Care providers serving special needs children Typical appetites include smaller, closely supervised operations and structured residential homes. Accounts with extensive commercial exposures, large congregate care facilities, or unmitigated high-hazard activities may require referral or alternative markets. Coverage Highlights and Advantages Professional Liability included automatically at the General Liability limit with no separate surcharge No liability deductible for simpler claims handling Child Molestation & Abuse Coverage up to $100,000 per occurrence / $300,000 aggregate, including off-premise incidents and corporal punishment Defense Cost Reimbursement option to help facility owners and employees facing allegations Medical Payments Coverage included automatically—covers enrolled children at no extra charge Hired & Non-Owned Auto Liability available where needed Expanded Bodily Injury Definition that can include sickness or disease resulting from emotional distress or mental anguish Underwriting Notes and Minimum Premiums Cochrane underwriters evaluate accounts with attention to supervision levels, staff hiring practices, building safety, and activity controls (pools, pets, transportation). Provide complete applications and loss histories for the fastest response. Minimum premiums and terms vary by account size, location, and specific exposures—submit full details so underwriters can tailor appropriate terms. Territories and Availability This program is available in: Arizona, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Utah, Washington, and Wyoming. Most accounts are written on an admitted basis where that option exists; non-admitted placement may be used when required by risk characteristics or state availability. Why Work With Cochrane & Company? As a specialized Managing General Agency, Cochrane & Company brings decades of niche underwriting experience in specialty programs. Agents benefit from underwriters who understand child care exposures, flexible appetite for varied residential models, and access to multiple carrier options. The program’s built-in professional liability, abuse coverage, and no-liability-deductible approach make placement straightforward for many smaller providers. Example Accounts That Fit This Market You have a licensed in-home provider who cares for mixed-age children, keeps a family dog on site, and occasionally takes kids to a nearby wading pool—this program can often provide GL, professional liability, and abuse coverage in a single package. You work with a small residential group home that serves special needs children and provides supervised community outings; the program’s expanded bodily injury language and defense reimbursement option can address those exposures. Need more details on binding or placing an account? Submit a complete application or connect with a market specialist for guidance on documentation and preferred submission formats. Frequently Asked Questions What types of accounts are a good fit for this program? Residential or home-based child care providers, including those with pets, wading pools, special needs children, or drop-in care models, are the primary focus for this program. Is coverage available for abuse and molestation claims? Yes. Child Molestation & Abuse coverage is offered up to $100,000 per occurrence and $300,000 aggregate, including off-premise incidents. Are there any deductibles for liability coverage? No—this program typically has no liability deductible, which simplifies claims handling for your insureds. Which states is this program available in? The program is offered in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Does the program include Professional Liability? Yes—Professional Liability is automatically included at the General Liability limit with no additional premium. Need help placing an account? Connect with a market specialist.

Here at Cochrane & Company, we understand the unique challenges trucking companies face when bidding for contracts that require elevated liability limits. Our specialized Excess Auto Designated Truckload coverage is designed to provide flexible, contract-specific excess liability solutions—without requiring your clients to increase limits across their entire fleet. Overview of the Program From Cochrane & Company This program offers targeted excess auto liability coverage for truckers operating under specific contracts that demand higher limits. Instead of applying those increased limits to the entire fleet (and paying a significantly higher premium), your clients can secure coverage tailored to individual contracts—providing both cost savings and a competitive edge when bidding for business. Ideal Accounts and Appetite This program is ideal for for-hire trucking operations that haul full truckloads under specific agreements. It's a great fit for insureds who: Transport goods under designated contracts with defined coverage requirements Need to meet higher liability limits only for certain loads Do not dedicate specific vehicles to one contract but still need to meet contractual insurance obligations For example, you might have a client bidding on a short-term haul for a large retailer that requires $5 million in auto liability coverage. Instead of increasing fleet-wide limits, this program lets them meet that requirement for just that contract. Coverage Highlights and Advantages Designated Truckload Coverage for Specified Contracts: Limits apply only to loads under the defined contract. Flexible Premium Structure: Coverage is Minimum and Deposit adjustable—your clients pay only for the exposures associated with each contract. Accident Condition: A Bill of Lading must be produced to confirm the load is covered under the designated contract. Load Requirements: Applies to full truckloads only, with no partial loads eligible. Contract-Specific Limits: Combined Primary and Excess limits will match the contractual requirements, up to $5,000,000 per occurrence. Underwriting Notes and Minimum Premiums Each risk is underwritten based on the specific contract terms and exposure. While pricing is competitive, especially compared to fleet-wide limit increases, an appointment must be in place prior to quoting. The program is structured to offer cost-effective excess liability without unnecessary over-insurance. Territories and Availability This program is available on a non-admitted basis in the following states: 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. Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings decades of experience and underwriting expertise in transportation and trucking risks. We offer responsive service, deep market access, and tailored solutions that help your clients compete for high-value contracts—without overpaying for excess coverage they don’t need. Our Designated Truckload Excess Auto product is a strategic tool to help agents like you deliver real value to your trucking clients. *Please note: An appointment must be in place prior to quoting. Frequently Asked Questions What types of trucking clients are best suited for this program?This program is ideal for for-hire truckers who transport full loads under specific contracts that require higher liability limits. Does this coverage apply to the entire fleet?No, coverage is limited to truckloads transported under the specific contract, not to the entire fleet. What documentation is required in the event of an accident?A Bill of Lading must be produced to confirm that the load was part of the designated contract covered under the policy. Are partial loads eligible for this program?No, coverage applies only to full truckloads. Partial loads are excluded. Do I need an appointment with Cochrane & Company to get a quote?Yes, an appointment must be in place before a quote can be provided. Need help placing an account? Connect with a market specialist.

1-4 Family Dwelling Insurance Program from Cochrane & Company As a trusted Managing General Agency, Cochrane & Company offers a specialized insurance solution for 1-4 family dwellings. This program is designed specifically for properties owned by individuals or corporate investors and used as income-generating rentals. Whether your client owns a duplex, triplex, or fourplex—this program offers the flexibility and protection they need. Ideal Accounts and Target Risks This program is well-suited for a wide range of rental property ownership scenarios, including: Single-family homes and multi-family dwellings (up to 4 units) Properties owned by real estate investors—individuals, LLCs, or corporations Owner-occupied 2-4 family properties (credit available) Mobile homes used as rental dwellings Locations rented seasonally or on a timeshare basis Examples of ideal placements include a client who owns multiple duplexes across Idaho and Oregon for long-term rentals, or a property investor with seasonal vacation rentals in Nevada. Locations with boat docks or slips can also be considered. Coverage Highlights and Advantages This program provides robust liability and property protection specifically tailored to the risks of rental dwellings: Liability Coverage Features: No General Liability Deductible Expanded bodily injury definition to include emotional distress and mental anguish Hostile Fire Exception to Pollution Exclusion Defense costs paid outside the liability limits Hired and Non-Owned Auto Liability coverage available in most states Medical expense limits up to $25,000 Limits available up to $1,000,000 per occurrence / $2,000,000 aggregate Commercial Umbrella coverage available up to $5,000,000 Property Coverage Features: Special and Basic Form options Replacement Cost Coverage available Business Income and Rental Value coverage Owner’s Contents and Equipment Breakdown coverage Available in Protection Classes 1–8 Coverage available in hail and tornado-prone areas (special deductible may apply) Renovation coverage available Commercial property limits up to $1,000,000; coastal areas up to $500,000 (wind and hail excluded) Flexible Policy Options Monoline Liability Monoline Property Package policies available Underwriting Notes and Minimum Premiums This is a non-admitted program with access to various carriers. Minimum premiums vary based on property characteristics, location, and selected coverages. Cochrane & Company works closely with agents to review submissions and tailor coverage to fit each risk. Territories and Availability Available in the following states: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you write rental property business in these regions, this program offers a competitive and flexible market solution. Why Work with Cochrane & Company? With deep experience in E&S markets and property liability programs, Cochrane & Company stands out as a reliable partner for placing hard-to-place or non-standard dwelling risks. Their ability to consider a wide range of property uses—including seasonal rentals, renovations, and mobile homes—makes them a valuable resource for agents seeking flexible solutions for their investor clients. Have questions about the 1-4 Family Dwelling Insurance program or want to discuss a specific account? Contact Cochrane & Company today to learn more. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for 1-4 family dwellings owned by individuals or corporations for rental purposes, including seasonal, timeshare, and mobile home properties. Can I place properties under renovation in this program?Yes, coverage is available for properties under renovation, subject to underwriting approval and applicable limits. Is this an admitted or non-admitted program?This is a non-admitted program offered through various carriers, giving flexibility in underwriting and pricing. Are coastal properties eligible for coverage?Yes, coastal properties can be considered with limits up to $500,000 per location; however, wind and hail are excluded. What states is this program available in?Cochrane & Company offers this program in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.