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Cochrane & Company offers a focused Tattoo and Body Piercing Insurance program designed for the unique exposures of tattooing, permanent makeup and body piercing professionals. As a Managing General Agency with niche-market expertise, Cochrane & Company gives independent agents and brokers a streamlined way to place risks that require specialized underwriting and limits tailored to this industry. Ideal Accounts and Appetite This program is ideal for agents placing: Experienced tattoo artists with at least three years of verifiable experience or formal training certification Experienced body piercers with equivalent experience or training Apprentice artists and piercers who operate under qualified, documented supervision The program can accommodate single-operator shops up to multi-artist studios. Retail jewelry sales are acceptable when annual jewelry sales are under $25,000 and the location maintains a central station alarm system. Example accounts you might place with this program: A two-artist shop in Oregon where both artists have certification and the studio maintains a documented sterilization protocol. An apprentice working under a licensed mentor in Washington, with the shop’s overall exposures managed by the supervising artist. Coverage Highlights and Advantages Property Coverage: Available on Basic, Broad, or Special Form Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually Equipment breakdown coverage included automatically Optional Inland Marine coverage for mobile equipment or mobile artists Low minimum premiums to support independent operators and smaller studios General Liability and Professional Liability: $2,000,000 General Aggregate $1,000,000 Products/Completed Operations Aggregate $1,000,000 Personal and Advertising Injury $1,000,000 Each Occurrence $100,000 Damage to Rented Premises $5,000 Medical Payments $100,000/$300,000 Sexual/Physical Abuse coverage $100,000/$3,000 Assault and/or Battery coverage $1,000,000 Professional Liability Each Claim with a $2,000,000 Annual Aggregate Underwriting Notes and Minimum Premiums Underwriting emphasizes credentials and verifiable experience. Key considerations include artist certifications, documented infection-control procedures, supervisory arrangements for apprentices, and studio security. Theft coverage requires a central station alarm and limited jewelry revenue. Minimum premiums vary by state and risk characteristics; the program is structured to remain accessible for smaller operators while reflecting the risk profile of each account. Territories and Availability This program is available to agents and brokers placing business in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Coverage is written on a non-admitted basis, with carrier placement varying by individual risk characteristics. Why Work With Cochrane & Company? Cochrane & Company brings decades of MGA experience in niche markets. The firm combines responsive underwriting with program features tailored to tattoo and body piercing operations, giving agents access to flexible coverages and specialty limits not always available in the admitted market. Cochrane prioritizes clear risk guidelines and quick, practical responses to placement questions, which helps speed submissions and bind decisions for your clients. If you have clients in this niche—whether a single-artist studio, a multi-artist shop, or an apprentice under supervision—Cochrane & Company provides a reliable non-admitted market option designed for these exposures. For more information on our Tattoo and Body Piercing Insurance, please contact us! Frequently Asked Questions What types of accounts are a good fit for this program?This program targets tattoo and body piercing professionals with at least three years of experience or formal training, plus apprentices supervised by experienced mentors. Studios with limited jewelry sales and proper security systems also fit well. Is coverage available for new or apprentice artists?Yes. Apprentice artists are eligible when they operate under a mentor who has at least three years of experience or holds relevant certifications and the supervision is documented. What states is this program available in?Cochrane & Company offers this program in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Is the program admitted or non-admitted?This program is written on a non-admitted basis and placements are made with carriers appropriate to the specific risk profile. Are there coverage options for theft or equipment breakdown?Yes. Theft coverage is available when a central station alarm is installed and jewelry sales remain under $25,000 annually. Equipment breakdown coverage is included automatically. Need help placing an account? Connect with a market specialist.

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Executive Coaching With Executive Coaching our goal is to work with Company Executives on a regular basis to assist them in reaching their goals and being more effective as a leader, coach, and mentor. We want to provide your Executives with the skills necessary to succeed in today’s challenging and changing environment. Going From Good to Great! “Humanware Upgrade” Our goals are: To provide its employee with the newest tools and skills to interact with agents and Insureds to regularly deliver exceptional experiences. These experiences create super-glued relationships. This is for companies that want to join the ranks of L.L. Bean, Disney, FedEx, and Four Seasons with employees who are not just “good,” but outstanding, superb, masters, top-notch, off-the-charts excellent. We Customize for: Customer Service, Claims, Underwriters Marketing Representatives

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AFC Insurance Inc. offers a specialized program designed to support the unique insurance needs of facilities and services for individuals with developmental disabilities. Our Services for the Developmentally Disabled Insurance program is part of our broader Health & Human Services portfolio and is tailored to address the operational and liability challenges faced by providers in this sector. Ideal Accounts and Appetite This program is ideal for a range of care providers and residential facilities offering services to developmentally disabled individuals. Eligible classes include: Services for the Developmentally Disabled Group Homes for Developmentally Disabled Adults Group Homes with Individualized Residential Alternative (IRA) Supportive Living You can place accounts such as regional group homes that serve adults with autism or cognitive impairments, or community-based living facilities that provide daily support services and supervised care. Coverage Highlights and Advantages The program is designed to address common exposures in this niche, including: General Liability and Professional Liability Abuse and Molestation Coverage Property and Equipment Protection Automobile (including transport vans for residents) Workers’ Compensation (state availability may vary) We understand the regulatory and operational environment these facilities operate in, and our coverage options are built to provide broad protection with risk management in mind. Underwriting Notes and Minimum Premiums Minimum premiums for this program vary based on location, size of operation, and selected coverages. Underwriting focuses on factors such as staffing ratios, staff training, incident history, facility condition, and levels of supervision provided. AFC Insurance Inc. works with a variety of carriers to find the right fit depending on your client’s profile and needs. Territories and Availability This program is available in most states, including but not limited to: CA, TX, NY, FL, IL, PA, OH, and WA. We currently offer coverage in 48 states plus Washington, D.C. Admitted markets are used in most states, depending on the specific risk and location. Why Work With AFC Insurance Inc.? As a trusted Program Administrator, AFC Insurance Inc. brings deep expertise in the Health & Human Services sector. Our team understands the unique risks faced by care providers for the developmentally disabled and can help you navigate placements with efficiency and care. We offer responsive service, broad market access, and tailored underwriting that helps you find the right coverage for hard-to-place accounts. Learn more about AFC Insurance Inc. on our company profile or explore the program details on our storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for group homes, residential facilities, and service providers that care for developmentally disabled adults, including those offering IRA supportive living arrangements. Is the program available in my state?The program is available in most U.S. states, including CA, TX, NY, FL, and others. Contact AFC Insurance Inc. to confirm availability in your specific state. What coverages are typically included?Common coverages include General Liability, Professional Liability, Abuse & Molestation, Property, Auto, and Workers’ Compensation (where available). What underwriting information is needed?Underwriters typically request details on services offered, number of residents, staff qualifications, training protocols, facility condition, and claims history. What carriers does AFC Insurance Inc. work with?AFC works with a variety of carriers depending on the risk profile and location. Market selection is tailored to each submission. Need help placing an account? Connect with a market specialist.