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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.

Comprehensive Media Liability Solutions from Alexander J. Wayne & Associates Alexander J. Wayne & Associates, Inc. provides a dedicated Media Liability Insurance program designed for agents and brokers who need reliable placement options for media-related risks. As a wholesale broker with market access to all major U.S. carriers and Lloyd’s of London (domestic and London open market), we place both standard and hard-to-place media accounts across admitted and non-admitted markets. Ideal Accounts and Target Classes This program addresses the liability exposures that arise from creating, publishing, distributing, or promoting content. We routinely write coverage for: Advertisers and advertising agencies Authors and book publishers Magazine and newspaper publishers Multimedia and entertainment companies Radio, television, and cable broadcasters Film and video producers or distributors Public personalities and talent engaged in public appearances Good-fit examples: you might have a regional lifestyle magazine preparing a new issue, a podcast production company with growing listenership, or a digital content creator whose reach and monetization are expanding. Those accounts—especially when they involve original reporting, commentary, advertising, or third-party content—are a primary focus for this program. Coverage Highlights and Advantages We offer flexible policy forms (both Claims-Made and Occurrence) and a broad set of protections tailored to modern media exposures. Typical coverages include: Libel, slander, and defamation Invasion of privacy and misappropriation of likeness Copyright and trademark infringement Policy features agents can leverage: Unlimited defense costs in addition to the policy limits (available for most classes) Punitive damages coverage where permitted by law Primary limits up to $10,000,000, with excess placements up to $15,000,000 Underwriting Notes Our underwriters have deep experience with media exposures and will consider risks across a wide spectrum of complexity. We underwrite both admitted and non-admitted options, and can place accounts in domestic and London markets when file complexity or limits require it. When preparing submissions, include recent samples of content, editorial controls or review procedures, social media policies, and any prior claims history. Placement depends on the client’s content processes, distribution reach, advertising practices, and prior loss activity. Territories and Availability Media Liability is available in all 50 states and the District of Columbia. We can place business admitted or non-admitted depending on the class of business, state regulations, and the insured’s limit requirements. Why Work With Alexander J. Wayne & Associates? Agents and brokers choose Alexander J. Wayne & Associates for media liability because we combine specialty underwriting knowledge with wide market access. We routinely navigate hard-to-place risks by pairing experienced underwriters with U.S. carriers and Lloyd’s markets—helping you secure competitive terms and higher limits when needed. Contact us when you have media accounts that require tailored wording, higher limits, or London market capacity. Our team will help evaluate appetite, prepare a market-ready submission, and identify the right placement strategy. Frequently Asked Questions What types of accounts are a good fit for this Media Liability program?Ideal accounts include publishers, broadcasters, content creators, advertising agencies, authors, and media production companies—especially those with unique or hard-to-place exposures. Is this program available nationwide?Yes, Media Liability Insurance is available in all 50 states and Washington, DC. What coverage limits are available?Policy limits are available up to $10 million, with excess limits up to $15 million depending on the risk. Can I get coverage for claims involving defamation or copyright issues?Yes, the program includes coverage for defamation, libel, slander, copyright and trademark infringement, and related media liability exposures. Does the program offer both admitted and non-admitted options?Yes, we offer both admitted and non-admitted options depending on the risk class and state requirements. Need help placing an account? Connect with a market specialist.

Pizza and Restaurant Delivery Insurance Program Amwins Program Underwriters offers monoline HNOA (Hired and Non-Owned Automobile) liability coverage tailored for pizza and restaurant delivery operations. This program provides focused liability capacity for restaurants that deliver food, with underwriting and distribution handled through Amwins as the managing general agency and capacity provided by General Star. Overview of the Program This program is designed for restaurants and food-service operators that use third-party drivers, owner-drivers, or employee drivers to deliver food. Coverage is monoline HNOA liability, with primary limits available up to $5,000,000 and defense costs outside the limit. The product is intended to sit as the primary hired/non-owned automobile liability for delivery operations where the restaurant needs a dedicated HNOA solution. Ideal Accounts and Appetite Any type of restaurant that offers food delivery, including pizza shops, fast-casual concepts, and independent restaurants. Multi-location operations with up to 30 locations. Restaurants that need dedicated HNOA limits to address exposures from delivery drivers, third-party delivery services, and borrowed vehicles. Accounts that typically do not fit include large national chains with complex centralized programs, operations with documented poor driving or claims history, or risks requiring admitted paper in jurisdictions where admitted placement is mandatory. Coverage Highlights and Advantages Monoline HNOA liability — focused coverage for delivery exposures without bundling into general liability. Primary limits up to $5 million with defense outside the limit, providing extended limit protection for serious liability claims. Underwriting expertise from an MGA experienced in food-delivery exposures and access to capacity through General Star. Nationwide placement (see availability below) to support agents with clients operating in multiple states. Underwriting Notes and Submission Requirements Underwriting emphasizes driver screening, fleet controls, and claims history. To obtain a quote, submit the following: Completed industry standard applications Pizza & RD (Monoline HNOA) supplemental application Currently-valued loss information for the lines to be quoted (current year plus four prior years) Current drivers list Current MVRs for all owners, managers, and drivers (a random sample approach is used on larger accounts) Underwriters may request additional information on driver training, delivery radius, use of third-party delivery platforms, and vehicle controls. Expect careful review of prior loss frequency and severity; high frequency loss accounts may be declined or subject to higher retentions. Territories and Admitted Status This program is available in all U.S. states except Louisiana. It is offered as a non-admitted/surplus lines product (not admitted in any state), and placement should follow surplus lines filing requirements in the insured’s state. Why Work With Amwins on Pizza & Restaurant Delivery Specialized appetite: focused on the unique HNOA exposures of delivery operations. MGA servicing model: underwriting guidance and placement support from Amwins Program Underwriters with access to General Star capacity. Flexible limits and defense outside the limit for serious liability protection. Practical underwriting requirements: straightforward submissions centered on driver and loss information for quick, informed decisions. Example scenarios You have a 12-location pizza chain that contracts with third-party couriers and needs separate HNOA limits to protect the parent company — this program can provide monoline HNOA limits up to $5M. You represent an independent restaurant offering in-house delivery with a small fleet of employee drivers and want primary hired/non-owned auto coverage with defense outside the limit — this program is a fit if the account has satisfactory driving controls and loss history. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants and food operators that provide delivery services — from single-location pizza shops to multi-location operators (up to 30 locations) — where the primary exposure is hired and non-owned automobile liability. Is this program admitted or non-admitted?This program is placed as a non-admitted (surplus lines) product and is not admitted in any state. It is available nationwide except for Louisiana; agents should follow surplus lines compliance for their state. What limits and insuring features are available?Primary HNOA limits are available up to $5,000,000. Defense costs are outside the limit, which can preserve limits for indemnity payments in serious claims. What documentation do I need to submit for a quote?Provide completed applications (industry standard and the Pizza & RD supplemental), currently-valued loss runs for the current year plus four prior years, a current drivers list, and MVRs for owners, managers, and drivers (random sampling may be used for larger accounts). Need help placing an account? Connect with a market specialist.