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

...tion of medical and recreational marijuana in more and more states, the cannab...es is this program available in?The Marijuana Insurance program is available i...

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...

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...

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.

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.

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.

Looking for reliable coverage solutions for your garage service and repair clients? The Garage Service & Repair Insurance program from Cochrane & Company focuses on risks that service or repair a broad range of vehicle types—including mobile operations. Backed by carriers accessible through an underwriter with an AM Best A+ relationship, this program delivers flexible, industry-focused protection tailored to today’s auto service businesses. Overview of the Program From Cochrane & Company Cochrane & Company offers a specialized Garage Service & Repair Insurance program designed for automotive and heavy-vehicle service businesses across a variety of specialties. The program is particularly strong in the Western U.S. and is structured to cover exposures created by both fixed-location shops and mobile service operations. Ideal Accounts and Appetite This program fits a wide range of garage and vehicle-related classes. Typical accounts include: ATV sales and repair shops Bus sales and repair Mobile mechanics and mobile diesel repair Motorcycle and scooter sales/service Heavy truck, tractor, and RV repair facilities Used car dealerships Tow truck operators (non-fleet) Auto, boat, and RV storage facilities Oil and lube shops Parking structures The program is open to new ventures on a sublimit basis when ownership and mechanic experience are acceptable. It commonly accommodates mixed operations (for example, a used-car lot that also offers light repair) and most business-use vehicles can be scheduled. Coverage Highlights and Advantages Liability: Limits to $1,000,000 per occurrence / $3,000,000 aggregate. Garagekeepers: Private passenger, light & medium trucks: $50,000 per unit / $500,000 aggregate. Heavy trucks, tractors, buses: $150,000 per unit / $500,000 aggregate. Any combination of autos: $500,000 aggregate. Available Legal Liability and Direct Primary options. Maximum deductible per occurrence: $5,000. Property: Building, contents and business income coverage available. Vehicle Scheduling: Most business-use vehicles are eligible to be scheduled on the policy. Underwriting Notes and Minimum Premiums Submissions require a completed garage application plus any applicable supplements: Heavy Equipment Service or Tow Operator Questionnaire, and a Motorcycle/Off-Road Supplement when relevant. Underwriters will ask for ownership and mechanic experience, details on building and lot security, and a current loss history. New operations are considered but generally on a sublimit basis until experience and controls are established. Minimum premiums vary by class and coverages selected—discuss specific minimums with your Cochrane representative when you submit a risk. Territories and Availability This non-admitted program is available in AZ, CA, CO, ID, MT, NV, OR, UT, WA, and WY. Cochrane & Company works with multiple carrier markets to tailor solutions regionally; availability and terms will vary by state and specific exposure. Why Work With Cochrane & Company? As a Managing General Agency with specialty expertise in garage and auto-related risks, Cochrane & Company provides underwriting that understands shop and mobile exposures. Their team is positioned to help place tougher or mixed-class accounts and can respond quickly with market options and flexibility on coverages like garagekeepers and property. You might have a client who just launched a mobile diesel repair service needing garagekeepers and liability limits while operating from temporary sites. Or you may be placing a used-car dealer that also offers light repair and short-term storage—Cochrane’s program can often combine those exposures under one submission. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits a broad range of garage operations including mobile mechanics, motorcycle repair shops, heavy truck service centers, used car dealerships, tow operators (non-fleet), storage facilities, and similar vehicle service businesses. Is this program available for new ventures?Yes. New ventures are acceptable on a sublimit basis. Underwriters will require details about owner and staff experience, security measures, and a clear plan for operations. What is the maximum limit available for garagekeepers coverage?Garagekeepers limits include up to $150,000 per unit for heavy vehicles with a $500,000 aggregate. Both Legal Liability and Direct Primary forms are available depending on the account. Which states is this program available in?The program is offered in AZ, CA, CO, ID, MT, NV, OR, UT, WA, and WY. Terms and availability vary by state since the program is non-admitted. What documents are required to submit a risk?You’ll need a completed garage application, any applicable supplements (e.g., Tow Operator, Motorcycle/Off-Road), details on owner/mechanic experience, property security information, and the insured’s loss history. Need help placing an account? Connect with a market specialist.

Clean up with confidence using the Janitorial Insurance program offered by Cochrane & Company. Designed specifically for janitorial contractors and cleaning service providers, this program delivers tailored coverage to meet the unique risks and exposures faced in the industry. Whether your clients are performing routine office cleaning, handling more complex tasks like window washing or crime scene cleanup, or preparing interiors for tenant move-ins, this program is built to support their operations. Ideal Accounts and Appetite This program is ideal for commercial janitorial contractors involved in general cleaning services, window washing, interior construction make-ready operations, and even specialized services like crime scene cleanup. It is not intended for accounts primarily engaged in debris removal or demolition-related work. Example accounts that may be a good fit include: A janitorial company that services office buildings and maintains a small fleet of floor waxing equipment. A cleaning contractor that provides post-construction interior cleanup and touch-ups before occupancy. A regional window cleaning company with multiple crews serving commercial buildings. Coverage Highlights and Advantages Janitorial Insurance coverage highlights include: Commercial general liability, property, and inland marine coverage Broad additional coverages tailored for janitorial operations: Contractor's equipment floater Rental reimbursement for damaged or out-of-service equipment Lost key coverage, addressing the cost of rekeying client locations Property damage extension Blanket additional insured endorsement available for commercial clients Support for independent contractors, up to 25% of total receipts This program helps mitigate common risks such as: Accidental damage to client property during cleaning (e.g., countertop surface damage) Slip-and-fall liability after mopping or waxing floors Lost keys requiring lock replacements across multiple client sites Unexpected equipment failures requiring rental replacements Underwriting Notes and Minimum Premiums This is a non-admitted program with access to a variety of carriers through Cochrane & Company. Minimum premiums vary depending on account size, operations, location, and risk characteristics. Submissions should include detailed descriptions of services, revenue breakdowns, and prior loss history when available. Territories and Availability The Janitorial Insurance program is available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company maintains regional expertise in these markets and understands the local challenges faced by janitorial service providers. Why Work With Cochrane & Company? As a trusted Managing General Agency with decades of experience, Cochrane & Company offers agents access to specialty programs and markets that are often difficult to place. Their Janitorial Insurance program is underwritten with real-world industry knowledge and supported by responsive service, competitive products, and flexible coverage options. Whether you’re placing a new account or looking to improve terms for an existing client, Cochrane & Company is a strong partner for this niche. For more information regarding Janitorial Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this Janitorial Insurance program?Commercial janitorial contractors performing general cleaning, window cleaning, interior construction prep, or crime scene cleanup are ideal. Accounts focused on debris removal are not eligible. Does the program cover independent contractors?Yes, independent contractors are allowed up to 25% of total receipts under this program. Is this program available on an admitted basis?No, this is a non-admitted program with coverage available through various markets. In which states is the program available?This program is currently offered in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. What types of additional coverages are included?The program includes coverages such as equipment floaters, rental reimbursement, lost key coverage, and property damage extensions tailored to janitorial operations. Need help placing an account? Connect with a market specialist.