Search CompleteMarkets

Workers Compensation Insurance for Printing and Publishing Accounts U.S. Risk Insurance Group, Inc. offers a specialized Workers Compensation insurance program tailored for the unique needs of printing and publishing businesses. Through its UPA division, this program is backed by an A-rated carrier and designed to provide competitive solutions for agents seeking to place risks in this niche industry. Ideal Accounts and Appetite This program is designed for small to mid-sized printing and publishing operations, including commercial printers, digital print shops, newspaper publishers, magazine publishers, and related businesses. UPA can accommodate new ventures and insureds transitioning out of Professional Employer Organizations (PEOs), with carve-out options available. Example placements might include a local commercial printing company with 10 employees or a regional magazine publisher looking to exit a PEO relationship. Coverage Highlights and Advantages Guaranteed cost plans available Dividend plans offered in Florida Online loss run access for agent and client convenience UPAY-As-You-Go and other flexible payment options Monthly self-reporting with only a 5% non-working deposit Underwriting Notes and Minimum Premiums Minimum premium: $3,000 (no maximum premium) New ventures are eligible Group transportation is limited to five employees per vehicle Accounts with lapse in coverage require underwriting referral No maximum experience mod Height/underground restrictions: max 20 feet above ground or 2 stories; max 6 feet below ground PEO carve-outs available with supporting documentation (loss history, signed contracts, labor endorsement) 24-hour shift work exposure is acceptable, provided no other restricted exposures are present Accounts with domestic, aviation, or federal exposures are ineligible Businesses with tax liens or undergoing bankruptcy are ineligible Territories and Availability This Workers Compensation program is available in most states, including AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, OR, PA, RI, SD, TN, TX, UT, VT, VA, DC, WV, and WI. Coverage is limited, incidental, or cannot be the governing state in CA and OK. Please consult underwriting for specific eligibility in these states. Why Work With U.S. Risk Insurance Group? U.S. Risk Insurance Group is a trusted Managing General Agency (MGA) with extensive experience in niche programs. The company’s UPA division offers agents and brokers access to competitive Workers Compensation options backed by strong carrier relationships, responsive underwriters, and flexible solutions for accounts that may not fit standard markets. If you're working with a printing or publishing client and need a reliable Workers Comp solution, this program offers the underwriting flexibility, pricing options, and support you need to win and retain the business. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial printers, digital print shops, newspaper and magazine publishers, and related businesses in the printing and publishing industry are ideal candidates. Can new ventures be considered for coverage?Yes, new ventures are eligible under this Workers Compensation program from U.S. Risk Insurance Group. Is coverage available for clients exiting a PEO relationship?Yes, the program supports insureds coming out of PEOs and offers carve-out options with proper documentation. What are the payment options for this program?Agents can offer clients UPAY-As-You-Go, direct bill, or monthly self-reporting with a 5% non-working deposit. Are there any geographic restrictions for this program?The program is available in most states, but coverage is limited or cannot be governing in California and Oklahoma. 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.

...stribution services (magazines, newspapers, wholesale/retail delivery) Cra...

Looking for a Workers Compensation specialist with access to multiple A-rated carriers? Atlas General Insurance Services offers dedicated Workers Compensation solutions designed for agents who need flexible underwriting and strong carrier options. Whether you’re placing a tough-to-place risk or seeking more competitive options for a client, Atlas provides underwriting flexibility, broad carrier relationships, and services that help agents deliver tailored coverage and value to their clients. Target Industries We Serve Atlas General specializes in a broad range of classes, including: Healthcare facilities and providers Light manufacturing operations Office-based businesses Artisan contractors and plumbers Retail stores and boutiques Restaurants and food service operations Automotive repair shops Hospitality businesses Wholesale and distribution accounts If you have a client in one of these sectors, we can help place the business quickly and competitively—even if they’ve been turned down elsewhere. Program Features and Benefits • Program available exclusively through Atlas General Insurance Services • Appetite includes small to large-size accounts with a $25,000 minimum payroll • Claims handled by Sedgwick Claims Management, providing expert claim administration, utilization review, and MPN coordination • Loss control services to help reduce risk and improve outcomes • Competitive commissions and incentive opportunities for appointed agents • Flexible payment options, including reduced down payments where available • Online quote indications – COMING SOON! Why Work With Atlas? Atlas General Insurance Services is a trusted general agency that gives agents access to multiple A-rated carriers (A.M. Best). Our underwriting team brings deep workers compensation expertise and practical placement strategies, so you can find the right fit for your client’s needs. We emphasize fast, responsive service and a streamlined process. From initial quote to policy issuance and claims handling, Atlas works to keep the placement efficient and professional. Where This Program Is Available Our Workers Compensation Program is available in most states, including AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Underwriting Overview We write preferred and moderately challenging risks that meet the $25,000 minimum payroll threshold. This program is non-admitted and is supported by multiple A-rated carriers as rated by A.M. Best. You might have a client who runs a growing restaurant with 30 employees or a regional retail chain with a clean loss history—both could be strong fits. If you’re unsure whether a risk fits the program, our underwriting team is available to review submissions and provide guidance. Let Atlas General Insurance Services be your go-to source for Workers Compensation coverage—contact us to learn how we can help you place accounts and support your clients. Frequently Asked Questions What types of accounts are a good fit for this Workers Compensation program?This program targets a wide range of industries including healthcare, retail, light manufacturing, contractors, restaurants, and more. Accounts with a minimum payroll of $25,000 are preferred. Is this program available in my state?Atlas offers this Workers Compensation program in most states across the U.S., including CA, TX, FL, NY, and many others. Contact us to confirm availability in your specific state. What carriers support this program?The program is backed by multiple A-rated carriers as rated by A.M. Best, ensuring financial strength and stability for your clients. Does Atlas offer any support services for policyholders?Yes, claims are managed by Sedgwick Claims Management, and loss control services are available to help insureds reduce risk and manage claims effectively. Can I get a quote online?Online quote indications will be available soon. In the meantime, our team is ready to assist you with quotes and submissions directly. Need help placing an account? Connect with a market specialist.

Stockthroughput Insurance Commercial Sector Insurance Brokers offers a Stockthroughput Insurance program that combines inventory/storage exposures and transit (cargo) exposures into a single, streamlined policy form. Coverage is written on an All-Risk basis and can include Wind, Flood and Earthquake upon request. The product is designed for agents who need a simple, flexible solution for goods that move through multiple stages — from raw materials through production to delivery to the customer. Product highlights Profit commission dividend paid directly to the insured by underwriters after the first year and upon renewal Low deductibles to reduce client out-of-pocket exposure Coverage for power outage losses affecting perishable goods (from any cause) Any type of goods considered — from perishables to durable goods and specialty items Simplified stock form — no routine reporting forms required for ordinary inventory Coastal risks are welcome; tailored wording available for marine exposure International transit and import/export coverage available Product protected from raw material stage through production and final delivery Minimum premium: $5,000 Inland marine and building coverages can be coordinated so unappealing stock does not force unattractive building terms Sample risks written Seafood wholesalers and processors Tobacco cooperatives and wholesalers Importers of antiques and specialty goods from Europe Importers and distributors of frozen food Book distributors and publishers Lumber and building product wholesalers Wine importers and distributors Window and door manufacturers Clothing and textile manufacturers Gun distributors (subject to underwriting parameters) Accounts that need both Inland Marine and building solutions Overview of the program from Commercial Sector Insurance Brokers This program is underwritten by multiple specialty markets (4+ carriers) accessible through Commercial Sector Insurance Brokers. It is set up to give retail agents a single policy to manage inventory-at-rest and inventory-in-transit without duplicative reporting. Underwriters are experienced with hybrid inland marine/cargo risks and routinely tailor terms to production flows, seasonal peaks, and international shipments. Ideal accounts and appetite This program fits clients who: Maintain inventory that regularly moves between suppliers, production sites and customers Require protection for perishable stock sensitive to power outages Import or export goods and need combined transit and storage coverage Operate in coastal areas or have complex logistics chains Typically acceptable: wholesalers, processors, importers, distributors, and manufacturers with standard storage practices. Higher-risk classes, unusual storage conditions, or extremely high single-location values should be discussed with underwriting before submission. Coverage advantages Single policy covers both inland transit and stock, simplifying claims and administration All-risk wording with optional catastrophic cover extensions (Wind/Flood/EQ) where needed Profit commission dividend feature can improve client retention and net cost Simplified reporting reduces administrative burden for both agents and insureds Underwriting notes and minimums Minimum premium for the program is $5,000. Underwriting evaluates product type, storage conditions, transit modes, loss history, and seasonal exposure. Coastal and international risks are acceptable but require details on warehousing, inland transit procedures, packaging, and refrigeration for perishables. Provide photos of storage, basic logistics procedures, and most recent loss runs to accelerate review. Territories and licensing This program is available on a non-admitted basis (not admitted in any state) and can be bound in the following jurisdictions: AL, AK, AZ, AR, CA, CO, FL, GA, ID, IL, IN, IA, KS, KY, LA, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI, WY. Confirm any state-specific requirements with Commercial Sector prior to submission. Why work with Commercial Sector Insurance Brokers Commercial Sector brings focused wholesale market access and hands-on underwriting support for hybrid stock/transit placements. The team works closely with retail agents to tailor limits, deductibles, and extensions for complex supply chains. Fast submissions with clear documentation often result in quicker quotes and binding decisions through multiple specialty markets. Example account scenarios You have a seafood processor that stocks inventory in refrigerated warehouses and ships nationally — this program can combine their storage and transit exposures, including coverage for power outage spoilage. You represent an importer of premium wine who needs combined inland marine transit coverages and short-term storage protection while goods clear customs — the Stockthroughput form simplifies placement and reporting. For submissions, include a description of operations, values by location, transit modes, packaging and refrigeration protocols (if applicable), and recent loss history. Commercial Sector underwriters will evaluate and respond with tailored wording and market options. Frequently Asked Questions What types of accounts are a good fit for the Stockthroughput program?Accounts that combine storage and transit exposures — wholesalers, importers, processors and manufacturers that move goods between suppliers, production sites and customers. Perishable goods and coastal importers are commonly placed. Is this program admitted or non-admitted?This program is offered on a non-admitted basis (not admitted in any state). Confirm state-specific placement requirements with Commercial Sector before binding. What information should I include with a submission?Provide a description of operations, inventory values by location, transit modes and routes, packaging/refrigeration procedures (if applicable), and recent loss runs. Photographs of storage conditions and descriptions of business interruption exposures help underwriters price efficiently. Need help placing an account? Connect with a market specialist.

Cochrane & Company’s Commercial Auto Insurance program helps agents place businesses that operate not-for-hire vehicles within a 300-mile radius. As an experienced Managing General Agency and Excess & Surplus Lines broker, Cochrane & Company delivers flexible underwriting, broad coverage options, and competitive solutions for a wide range of commercial auto exposures. Ideal Accounts and Appetite This program is built for businesses that own and operate their own vehicles as part of operations but do not engage in for-hire transport. Typical eligible classes include: Catering services Farms and dairies Household goods movers Wholesale and retail delivery Food delivery (non-pizza) Courier and mobile businesses Magazine and newspaper distributors Armored car operations Manufacturing and funeral services Vacuum trucks and street sweepers Contractors, cranes, and boom trucks Ready-mix operations (cement mixers, concrete pumpers) Generally ineligible risks include any for-hire or revenue-generating transport units, hauling of hazardous or petroleum-based materials (except incidental quantities such as cleaners or batteries), pizza delivery, student drivers, triple trailers, risks that permit non-employee passengers, and specialized hauls such as mobile home, log, or biohazardous waste transportation. Coverage Highlights and Advantages Cochrane & Company offers comprehensive commercial auto solutions tailored to varied fleet needs. Key features include: Automobile liability limits up to $5 million Uninsured/underinsured motorist (UM/UIM), medical payments, and personal injury protection where available Physical damage (collision and comprehensive) Motor truck cargo coverage and inland marine options Hired auto and trailer interchange coverage Multi-line discounts when applicable The program supports flexible reporting bases — mileage, gross receipts, per vehicle, or total insured value — so you can match premium reporting to the account. Real-time updates and multiple reporting options help manage premium audit and exposure changes during the policy term. Underwriting Notes and Minimum Premiums To submit a risk efficiently, have the following prepared: Loss runs for the current and prior three years Complete VINs for all power units A full driver roster Motor Vehicle Reports (MVRs) for all drivers Minimum premiums vary by account size and class. All drivers must meet acceptable MVR standards for the program to qualify. Underwriters will consider fleet mix, radius of operation (up to the 300-mile program limit), and any specialized equipment when evaluating submission terms. Territories and Availability The Commercial Auto Insurance program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most available markets are non-admitted, giving additional flexibility for unique or hard-to-place risks. Why Work With Cochrane & Company? With decades of experience as an MGA and E&S broker, Cochrane & Company combines deep underwriting expertise with access to multiple carrier markets. That means you can place accounts that may not fit standard admitted markets and benefit from hands-on underwriting guidance and responsive service. Examples of good fits: you might have a local milk distributor needing coverage for a small fleet of delivery trucks operating within the region, or a contractor who requires liability and physical damage coverage for a boom truck used on short-haul jobs. Cochrane’s team can help structure coverage and reporting to match those operational exposures quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Businesses that operate their own vehicles within a 300-mile radius—such as farms, contractors, non-pizza food delivery, and mobile service providers—are ideal candidates. Are for-hire or revenue-generating vehicles eligible?No. This program is for not-for-hire business vehicles. For-hire transport units should be referred to Cochrane & Company’s trucking operations program. What information is required to submit a risk?Agents should provide loss runs for the current and prior three years, full VINs, a complete driver list, and acceptable MVRs for all drivers. Is coverage available for businesses hauling hazardous or petroleum-based materials?No. Hauling hazardous or petroleum-based materials is ineligible under this program, except for incidental quantities (for example, cleaners or batteries). Petroleum marketers may qualify under Cochrane’s dedicated petroleum marketer program. What states is the program available in?This Commercial Auto Insurance program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Need help placing an account? Connect with a market specialist.