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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...

...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...

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

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.

Place your clients' mobile home parks, RV parks, and campgrounds with confidence through Cochrane & Company’s Mobile Home Park Insurance program. Built specifically for permanent manufactured housing communities, seasonal or tourist RV parks, and campgrounds, this program offers comprehensive property and liability solutions on a monoline or package basis. Whether your client operates a year-round manufactured home community in Montana or a summer RV campground in Oregon, Cochrane & Company can help you access the right markets and structure coverage to address common park exposures — premises and amenity liability, loss of rental income, vandalism and theft, equipment breakdown, and employee crime. Ideal Accounts and Appetite This program is an excellent fit for: Permanent mobile home parks and manufactured housing communities Seasonal or tourist RV parks and campgrounds Owner-operated park models and investor-owned communities Multi-location park operators located in the western U.S. We prefer well-maintained properties with documented safety and risk-management practices. Amenities such as pools, playgrounds, laundry facilities, and on-site offices are acceptable when routine maintenance, signage, and safety protocols are in place. New ventures can be considered when ownership brings relevant management experience. Coverage Highlights and Advantages Property Coverage: Buildings and Business Personal Property Business Income (rental/rent loss) coverage Basic, Broad, or Special Form options Replacement Cost or Actual Cash Value valuations Equipment Breakdown and Food Spoilage Inland Marine and coverage for computer equipment & outside signs Accounts Receivable & Valuable Papers Commercial General Liability: Limits available up to $3,000,000 occurrence/aggregate $5,000 Medical Payments included Blanket Additional Insured endorsements included where required Liquor Liability available for parks with alcohol sales or events Hired & Non-Owned Auto coverage options Excess/Umbrella capacity up to $25,000,000 No deductible required on certain liability placements Crime Coverage: Theft of Money & Securities – Inside Premises Robbery or Safe Burglary of Other Property Theft Outside the Premises Underwriting Notes and Minimum Premiums Underwriting is handled on a case-by-case basis to match coverage to the risk profile. Typical submission documents include a completed application, property details (unit/site counts, year built, occupancy mix, and descriptions of on-site amenities), and loss history or loss runs when available. Risks with significant deferred maintenance, uncontrolled nuisance exposures, or high-frequency losses may not fit the program. Minimum premiums vary by state, carrier selection, and account characteristics; our underwriting team will quote specific minimums after reviewing the submission. Territories and Availability This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. All coverages are placed on a non-admitted basis, giving you access to specialized carriers and broader appetite across the western U.S. Why Work With Cochrane & Company? Cochrane & Company is a managing general agency with deep experience in niche property and casualty programs. We combine targeted underwriting expertise with access to multiple surplus and specialty markets, helping agents place complex or non-standard park risks more efficiently. Our underwriters are responsive and pragmatic — they evaluate risk controls and management practices to produce competitive, tailored terms rather than relying solely on standard forms. If you need to place mobile home park, RV park, or campground business, partner with Cochrane & Company to tap specialty markets and practical underwriting. Contact our team to discuss submissions and market options. Frequently Asked Questions What types of accounts are a good fit for this program?This program suits permanent mobile home parks, seasonal RV parks, and campgrounds in the western U.S. Both individually owned and investor-managed properties are eligible when they demonstrate routine maintenance and safety procedures. Is this program available in all states?No. Coverage is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Does the program offer package and monoline options?Yes. Coverages can be written on a monoline basis or combined into a package policy depending on the insured’s needs and the carrier chosen. Are amenities like pools or playgrounds covered?Yes. Pools, playgrounds, and similar amenities are acceptable when they are properly maintained, have appropriate signage and supervision, and are reflected in the submission details. What documentation is required for submission?Provide a completed application, detailed property information (number of sites/units, year built, occupancy, amenities), and loss history or loss runs when available. Underwriting may request additional documentation as needed. Need help placing an account? Connect with a market specialist.

Are you currently shopping for shop coverage? Cochrane & Company can provide your store's Mercantile Insurance. From antique stores to video stores, we have your Mercantile Insurance coverage needs covered. Mercantile Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Mercantile Insurance program designed specifically for retail risks. As a trusted Managing General Agency (MGA), we provide appointed agents with access to competitive markets and tailored coverage solutions for a wide range of retail businesses. Whether your clients operate a corner convenience store or a specialty antique shop, our program is built to address their unique exposures. Ideal Accounts and Appetite We welcome a broad spectrum of retail classes under our Mercantile Insurance program. Targeted business types include: Convenience Stores Pawn Shops Antique Stores Sporting Goods Stores Beverage Retailers Video and Media Stores And many more specialty retailers If you have a client operating a small-town pawn shop or a high-traffic beverage store, our program is geared to accommodate these types of risks with ease. We are especially well-suited for stores seeking broad property and liability protection with flexible underwriting. Coverage Highlights and Advantages Our Mercantile Insurance program offers a robust package of property and general liability coverages, making it easy for agents to secure complete protection for their retail clients. Property Coverage Features Basic, Broad, or Special Form options (theft coverage available with central station alarm) Property Extension Endorsements for added flexibility Convenient chart-based rating system for efficiency General Liability Limits Up to $5 million general aggregate Products/completed operations aggregate included $5 million personal and advertising injury $5 million per occurrence $100,000 damage to rented premises $1,000 medical payments Silent Assault or Battery coverage included No liability deductible Underwriting Notes and Minimum Premiums Each submission is individually underwritten, and minimum premiums vary depending on risk characteristics and location. Our team works closely with agents to identify the best market fit and streamline the quoting process. We recommend submitting complete applications, including property protection details like alarm systems, to help secure the most favorable terms. Territories and Availability This program is available on a non-admitted basis in the following states: Alaska (AK) California (CA) Idaho (ID) Montana (MT) Nevada (NV) New Mexico (NM) North Dakota (ND) Oregon (OR) Utah (UT) Washington (WA) Wyoming (WY) Because this is a non-admitted program, it offers flexible solutions for unique or hard-to-place retail accounts that may not fit standard markets. Why Work With Cochrane & Company? Cochrane & Company brings decades of experience as a Managing General Agency and provides agents with access to specialty markets and responsive underwriting for niche classes like mercantile risks. We pride ourselves on our ability to write retail accounts that require custom solutions and fast turnaround times. Our depth of carrier relationships and regional expertise make us a reliable partner for agents throughout the Western United States. For more information regarding Mercantile Insurance, please do feel free to contact us! Frequently Asked Questions What types of accounts are a good fit for Cochrane & Company’s Mercantile Insurance program?This program is ideal for small to mid-sized retail businesses such as convenience stores, antique shops, pawn stores, beverage retailers, and other specialty merchants. Is this program available on an admitted basis?No, this Mercantile Insurance program is written on a non-admitted basis in the states where it is available. What states is the Mercantile Insurance program offered in?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Are there minimum premium requirements?Minimum premiums vary based on the type and size of the risk. Contact our team with specific account details for a quote. What coverages are included in the general liability section?General liability includes up to $5 million in limits, with coverage for personal/advertising injury, products/completed operations, damage to rented premises, and more. 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.