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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...

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.

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.

Monitor your profits while protecting your clients with Cochrane & Company's specialized Alarm Installation Insurance program. Designed for contractors who sell, install, service, monitor, or repair alarm systems, this program is backed by an A+ XV–rated specialty carrier and tailored to the risks associated with burglar alarms, fire alarms, intercoms, CCTV, access control and other electronic security systems. Use this program to place accounts that need both strong general liability protection and comprehensive property, inland marine, and E&O options. Ideal Accounts and Appetite Residential and commercial alarm system installers Fire and burglar alarm contractors Intercom, access control, and CCTV system providers Contractors with up to 15% of revenue from medical monitoring Service providers for banks, financial institutions, vehicles, or watercraft This program is a strong fit for alarm contractors who require a combination of General Liability, E&O, and property protections. Typical fits include: A contractor installing and monitoring CCTV systems for multi-tenant commercial buildings. An integrator providing access control and intercom systems for retail or office locations, including service and monitoring agreements. Underwriting will consider system type, contract language, percentage of monitoring/medical monitoring revenue, and work performed on high-risk accounts (banks, armored vehicles, marine). Accounts that exceed the specified medical-monitoring threshold or that perform high-risk life-safety system work without documented controls may be limited or declined. Coverage Highlights and Advantages Alarm Installation Insurance: Available Coverages: General Liability – Primary limits up to $3 million occurrence/aggregate Electronic Data Liability Errors & Omissions (E&O) – Included at policy limits where appropriate Excess / Umbrella – Up to $25 million available Included Coverages: Medical Payments – $5,000 limit Blanket Additional Insured Endorsement Lost Key Coverage – $25,000 limit Property Damage Extension (Care, Custody, and Control) – Up to $200,000 per occurrence / $300,000 aggregate Property Coverage: Building and Business Personal Property Business Income Basic, Broad, or Special Form Replacement Cost or Actual Cash Value Equipment Breakdown Inland Marine Accounts Receivable Computer Equipment Outside Signs Valuable Papers Crime Coverage: Available for both inside and outside the premises. Deductible: No deductible required on certain coverages; options vary by submission. Underwriting Notes and Minimum Premiums Underwriting reviews focus on scope of work, contract terms (hold-harmless, indemnity, and monitoring agreements), training and experience of technicians, and percentage of revenue from monitoring or medical monitoring. Minimum premiums and final terms depend on the account profile and coverages selected — Cochrane & Company works with agents to match risks to appropriate specialty markets. Territories and Availability This program is non-admitted and available in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Cochrane & Company leverages regional underwriting expertise to address the regulatory and environmental challenges common to alarm contractors operating in the Western U.S. Why Work With Cochrane & Company? As a Managing General Agency, Cochrane & Company offers focused access to specialty markets and hands-on underwriting for electronic security contractors. Agents benefit from: Dedicated program underwriters familiar with alarm and security exposures. Access to A+ XV–rated appetite and excess capacity where needed. Flexible package options that combine GL, E&O, property, inland marine, and crime. Responsive service and collaborative placement approach for tough or high-exposure accounts. For more information on our Alarm Installation Insurance program, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for contractors involved in installing, servicing, or monitoring burglar alarms, fire alarms, intercoms, CCTV, and access control systems. Accounts with limited medical monitoring (under 15% of receipts) may also qualify. Is this program available on an admitted basis?No, this program is written on a non-admitted basis through various specialty carriers. What states is the program available in?The program is currently available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Are financial institution or vehicle alarm accounts eligible?Yes, risks involving banks, financial institutions, vehicle, or watercraft alarm systems can be considered under this program. What limits are available for General Liability?General Liability limits are available up to $3 million per occurrence/aggregate, with excess or umbrella limits up to $25 million. Need help placing an account? Connect with a market specialist.

Specialty Contractors Insurance Program from Cochrane & Company Cochrane & Company offers a focused Specialty Contractors Insurance Program built for artisan and general contractors working in residential, commercial, or mixed-use construction. Backed by a carrier with an AM Best rating of A+ XV, this non-admitted program helps agents place contracting risks that may not fit standard admitted markets. As a Managing General Agency with deep underwriting experience and access to multiple markets, Cochrane & Company gives agents responsive service, flexible coverage forms, and endorsements commonly required by project owners and general contractors. Ideal Accounts and Appetite The program targets a select set of contracting classes, including both artisan trades and small-to-mid-size general contractors. Typical classes we write include: Carpenters and framers Electricians and HVAC contractors Plumbers and mechanical contractors Concrete, masonry, and drywall contractors Small-to-mid-size general contractors who manage subcontractors This is a non-admitted program, making it well suited for accounts that need underwriting flexibility or that fall outside admitted carrier guidelines. Accounts with high-hazard trades, poor loss history, or unusual operations may not fit—underwriters evaluate exposures on a case-by-case basis. Coverage Highlights and Advantages The Specialty Contractors Insurance Program emphasizes broad general liability protection with competitive limits and common construction endorsements that owners and GCs request. Key limits and coverages include: $2,000,000 General Aggregate $2,000,000 Products/Completed Operations Aggregate $2,000,000 Personal/Advertising Injury $2,000,000 Each Occurrence $100,000 Damage to Rented Premises $10,000 Medical Payments if contractually required; otherwise $1,000 maximum Frequently available endorsements: Additional Insured — Owners, Lessees, or Contractors Completed Operations for qualifying projects Primary and Non-Contributory wording Waiver of Subrogation Blanket Additional Insured with primary and waiver wording available (flat $250) Designated Construction Project General Aggregate Underwriting Notes and Minimum Premiums Minimum premiums vary by class, scope of work, and state. Cochrane & Company underwriters work with agents to evaluate exposures and provide competitive quotes. For quicker turnaround, include the full contractor application, recent loss runs, and a description or scope of current projects with your submission. Common restrictions: high-rise, heavy civil, oil/gas rig work, and some specialized design-build exposures may be outside appetite. Reach out to underwriters with details—many risks that look difficult in standard markets can be placed here with appropriate underwriting information. Territories and Availability This program is available in: AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Why Work with Cochrane & Company? Cochrane & Company brings decades of MGA experience placing niche and hard-to-place contractor risks. Agents gain access to knowledgeable underwriters, flexible non-admitted coverage forms, and fast response times aimed at helping you close business that needs tailored solutions. Example scenarios that typically fit this program: A mid-size framing contractor expanding into light-commercial projects who needs completed operations and blanket additional insured endorsements to meet owner requirements. An HVAC subcontractor with several ongoing retrofit jobs requiring primary and non-contributory wording and a waiver of subrogation on owner contracts. For more information about Cochrane & Company's Specialty Contractors Insurance Program, please contact us or visit our program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors working on residential, commercial, or mixed-use projects, including electricians, plumbers, HVAC technicians, framers, and similar trades. Is this insurance program admitted or non-admitted?This is a non-admitted program, which provides underwriting flexibility for hard-to-place or unique contractor risks that may not meet admitted carrier guidelines. What coverage limits are offered?The program can provide up to $2,000,000 in general aggregate, products/completed operations, and occurrence limits, along with coverages such as damage to rented premises and medical payments as noted in the program highlights. In which states is this program available?This program is available in AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Are blanket additional insured endorsements available?Yes. A blanket additional insured endorsement with primary and waiver wording is available for a flat fee of $250 when applicable. Need help placing an account? Connect with a market specialist.

Cochrane & Company makes it easy for you to place Trucking Insurance coverage for a wide range of commercial trucking risks. Designed for both for-hire and not-for-hire operations, this program is ideal for insureds transporting goods and commodities within a 300-mile radius. Whether your clients operate single trucks or truck/tractor-trailer combinations, this program offers flexible solutions backed by strong carrier relationships. Ideal Accounts and Appetite This program is tailored for a wide variety of trucking exposures, including but not limited to: Livestock transportation General commodities hauling Dry van, flatbed, and container loads Machinery and equipment transport Iron, steel, and building materials Produce, meat, seafood, and refrigerated goods Pharmaceuticals and mail/periodical delivery Auto transporters and boat haulers Oversize and overweight loads Water transportation If you have a client operating a small fleet of refrigerated trucks delivering seafood to restaurants along the Pacific Northwest, or an auto hauler transporting vehicles across neighboring states, this program could be a great fit. Ineligible Exposures This program excludes certain risks, including: Student drivers Non-employee passengers Hazardous materials (incidental household items acceptable) Petroleum-based products (see petroleum haulers) Triple trailers Medical or biohazardous waste Mobile/manufactured home toters Explosives, poisonous gas, or radioactive materials Logging trucks Owner-operators not permanently leased Coverage Highlights and Advantages Automobile liability limits up to $5 million Uninsured/underinsured motorist and medical payments Personal injury protection Hired and non-owned auto coverage Physical damage coverage Motor truck cargo insurance Trailer interchange coverage UIIA (Uniform Intermodal Interchange Agreement) compliance General liability under truckers' code Multi-line discounts may be available Underwriting Requirements Loss information for current and prior years Complete VINs for all power units Full driver list with acceptable MVRs Territory and Market Access This trucking program is available in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Cochrane & Company works with multiple carriers, providing access to both admitted and non-admitted markets, with most coverage available through surplus lines. Minimum premiums vary based on risk characteristics. Why Work With Cochrane & Company? As a Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company brings decades of experience and strong carrier relationships to help you place even the most complex trucking accounts. Whether you're working with regional haulers or specialized transporters, our knowledgeable underwriting team is here to support your success from quote to bind. Frequently Asked Questions What types of accounts are a good fit for this Trucking Insurance program?Accounts involved in hauling general freight, refrigerated goods, autos, boats, livestock, and building materials within a 300-mile radius are ideal. Both for-hire and not-for-hire operators are eligible. What are the main coverage options offered under this program?Available coverages include auto liability up to $5 million, motor truck cargo, physical damage, trailer interchange, UIIA, and general liability under the truckers' code. Are hazardous materials haulers eligible for this program?No, risks involving hazardous materials, explosives, radioactive substances, or biohazardous waste are not eligible. Incidental household items like spray paint or batteries are acceptable. In which states is this program available?The program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. What underwriting information is required for a quote?You’ll need complete VINs for all power units, a full driver list with acceptable MVRs, and current/prior loss history. 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.