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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.

Hospitality Insurance Program from Cochrane & Company Cochrane & Company is proud to offer our specialized Hospitality Insurance Program, built to serve a wide range of food and beverage establishments. Backed by an A+ XV AM Best-rated carrier, this program provides access to both Admitted coverage in California and Non-Admitted options in other available states. Whether you're looking to place a neighborhood tavern or a busy catering operation, our program is designed to provide flexible, competitive solutions for your hospitality clients. Ideal Accounts and Appetite This program is tailored for a broad mix of hospitality businesses, including: Restaurants & Cafes Bars, Taverns, and Pubs Deli's and Pizza Parlors Take-Out Establishments Banquet Facilities and Caterers BYOB Restaurants Incidental exposures and BYOB operations are considered. Accounts with low alcohol receipts may be eligible for assault & battery coverage considerations. This flexible appetite allows you to confidently place a variety of small to mid-size hospitality risks. Example: You might have a client operating a combination dine-in and take-out pizza shop with a small catering side business—this program can address their unique blend of exposures under one tailored package. Coverage Highlights and Advantages The Hospitality Insurance Program offers a comprehensive suite of coverages and enhancements to protect against common industry exposures, including but not limited to: General Liability and Property coverage with limits up to $5,000,000 Liquor Liability available Employment Practices Liability Equipment Breakdown Crime coverage (small limits included; higher limits available) Additional Insured Endorsements available Silent on Assault & Battery for qualifying risks Specialized Tiered Rating Program for more competitive pricing Optional ancillary coverages are available for an additional premium, including: Employee Benefits Liability Hired and Non-Owned Auto Liability Underwriting Notes and Minimum Premiums Minimum premiums vary based on risk characteristics, location, and selected coverages. The program is underwritten with flexibility in mind, making it suitable for a range of small to mid-sized hospitality operations. Our team considers unique features like BYOB models and incidental exposures that may not fit traditional markets. Territories and Availability This program is currently available in the following states: California (Admitted), Idaho, Montana, Oregon, and Washington (Non-Admitted). We continue to evaluate expansion opportunities to meet agent demand in additional territories. Why Work with Cochrane & Company? As a trusted Managing General Agency with deep market access and underwriting expertise, Cochrane & Company delivers tailored insurance solutions for niche industries like hospitality. We understand the operational risks your clients face and provide responsive service to help you place business efficiently. Our strong carrier relationships and flexible program structure make us a valuable partner for hospitality accounts that require attention to detail and customized coverage. If you have questions about our Hospitality Insurance Program or need help evaluating a specific risk, don’t hesitate to reach out—we’re here to support your success. Frequently Asked Questions What types of accounts are a good fit for this Hospitality Insurance Program?The program is ideal for restaurants, cafes, bars, taverns, caterers, pizza parlors, take-out locations, and BYOB establishments with low to moderate alcohol exposure. Is liquor liability available through this program?Yes, liquor liability coverage is available and can be tailored based on the insured’s alcohol sales and operations. What states is this program available in?The program is available in California (on an Admitted basis), and in Idaho, Montana, Oregon, and Washington (on a Non-Admitted basis). Are optional coverages offered?Yes, optional coverages such as Employee Benefits Liability and Hired & Non-Owned Auto Liability are available for an additional premium. What is the minimum premium for this program?Minimum premiums vary depending on the risk and selected coverages. Contact Cochrane & Company for a quote or to discuss specific accounts. Need help placing an account? Connect with a market specialist.

Overview — Citadel Insurance Services: Wholesaling Insurance Citadel Insurance Services offers liability insurance solutions designed for wholesalers, distributors, and importers. Our Wholesaling Insurance program focuses on accounts that can be difficult to place in standard markets — including product importers, national distributors, and specialty wholesalers across a wide range of product lines. As a managing general agency, Citadel leverages multiple carrier relationships to find admitted and non-admitted placement options and underwriting flexibility for harder risks. Target Classes and Ideal Accounts This program is a good fit when your client is a wholesaler, importer, or distributor that needs broad commercial general liability and product liability coverage. Typical targets include: Recreational products distributors Consumer goods wholesalers Life science product importers Automobile performance parts suppliers Chemicals and industrial supplies Plastics and molded components Electrical products and components Cleaning products and janitorial supply distributors Other specialty importer/wholesaler operations with complex recall, labeling, or cross-border exposures Coverage Highlights and Advantages Citadel’s wholesalers program is focused on liability exposures that matter most to distributors and importers: product liability, general liability, completed operations, and coverage extensions related to import/export activity. Advantages agents can expect: Access to multiple carrier markets and appetite flexibility for hard-to-place classes Placement options that include admitted and non-admitted carriers (some admitted markets available) Underwriters experienced in product stewardship, traceability, and third-party testing exposures Ability to handle complex distribution chains, private label arrangements, and importation risks Underwriting Notes and Minimum Premium To quote effectively, be prepared to provide a clear description of the product lines, supply chain (import sources), average annual sales by product line, quality control and testing procedures, recall history, and any existing product control protocols (labeling, instructions, consumer warnings). Accounts with product testing documentation and robust recall plans typically receive more competitive terms. Minimum premium: $2,500. Pricing and placement will vary by product category, sales volume, and loss history. Appetite and Common Restrictions Good fits: Wholesalers and importers with diversified product lines and established quality controls Accounts needing product liability wrap for private label operations Distributors seeking completed operations coverage for installation or repair services Not typically a fit: Retail storefronts that sell directly to consumers (unless packaged with wholesale operations) High-hazard chemical manufacturers without documented controls or significant loss history Accounts with unresolved or frequent product recalls without corrective action plans Territories and Availability Available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Market availability and admitted status vary by state and by carrier — Citadel will help identify the best placement for each jurisdiction. Why Work With Citadel on Wholesaling Insurance As a managing general agency focused on hard-to-place risks, Citadel Insurance Services pairs specialized underwriting with broad carrier access. Our broker partners benefit from pragmatic underwriting, quicker appetite responses, and tailored terms for complex distribution and import exposures. Use this program to help retain accounts you might otherwise have to refer out or decline. Example Scenarios You have a regional importer of recreational products that supplies retailers across multiple states and needs product liability limits plus a recall response plan — Citadel can seek markets that will consider the account with documented testing and recall controls. A distributor of automobile performance parts sells to installers nationwide and needs completed operations coverage for installed parts — this program can evaluate completed operations exposures alongside product liability. Frequently Asked Questions What types of accounts are a good fit for Citadel’s Wholesaling Insurance program?Accounts that are primarily wholesalers, distributors, or importers of consumer, industrial, or specialty products are ideal — particularly when they need product liability, completed operations, or import-related liability solutions and have documented quality controls. What submission information does Citadel need to quote?Provide a description of product lines, annual sales by product, supply chain/import origins, loss and recall history, product testing or quality control procedures, and any safety or labeling programs. Photos, MSDS (if applicable), and copies of agreements for private label work help accelerate review. Are admitted markets available and where can business be placed?Citadel works with a mix of admitted and non-admitted carriers; some admitted markets are available. The program is available in the states listed above, and Citadel will identify the best market based on the account and jurisdiction. What is the minimum premium and typical turnaround time?The program minimum premium is $2,500. Turnaround depends on account complexity; straightforward wholesale-only accounts with complete submission materials typically receive preliminary responses faster than multi-jurisdictional or high-exposure submissions. Need help placing an account? Connect with a market specialist.

OnPoint Underwriting offers specialized Booksellers Insurance through the League of Independent Book Retailer Insurance Services (LIBRIS) program. LIBRIS was created by booksellers for booksellers and is tailored to the unique risks faced by independent bookstores nationwide. Overview of the LIBRIS Program from OnPoint Underwriting As the program administrator, OnPoint Underwriting combines retail-focused underwriting expertise with practical knowledge of bookstore operations. LIBRIS delivers commercial insurance solutions built specifically for independent bookstores and book retailers, with competitive terms, responsive underwriting, and access to admitted capacity through top-rated carriers such as Great American Insurance Group. The program is designed to help agents place accounts confidently and to provide bookstore owners with reliable, bookstore-specific protection. Ideal Accounts and Appetite This program is well suited to a variety of independent bookseller models, including: New, used, or rare and collectible bookstores Bookstores with café or coffee shop components Shops that regularly host author signings, readings, classes, or other community events Retailers with on-site or limited e-commerce operations LIBRIS accommodates single-location independents as well as multi-location indies. Typical accounts include a college-town bookstore with a small café and weekly events, or a rare-book dealer needing inventory and specialized property protection. Coverage Highlights and Advantages Property and General Liability coverage tailored to bookstore exposures Inventory protection, including options for high-value and rare books Business Interruption and Extra Expense coverage to address revenue loss from covered causes Optional off-site event and exhibition coverage for book fairs and signings Available endorsements such as Cyber Liability and Employment Practices Liability (EPLI) These features help you place comprehensive programs that protect a bookstore’s stock, premises, events, and evolving retail operations. Underwriting Notes and Minimum Premiums LIBRIS is offered through admitted markets, including Great American Insurance Group, and is underwritten with an understanding of bookstore day-to-day operations. Minimum premiums start at $500, making the program accessible for smaller retail accounts. Underwriting is pragmatic and responsive—provide clear details on inventory values, event exposure, food service operations (if present), and online sales to speed placement. Territories and Availability This program is available nationwide in all 50 states and Washington, D.C., including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY. Why Work With OnPoint Underwriting OnPoint brings niche program expertise and a long-standing focus on underserved retail niches. Working with OnPoint and the LIBRIS program gives agents access to: Dedicated underwriting focused on bookseller exposures Admitted capacity through an A-rated carrier experienced in retail specialties Practical, bookstore-aware service that helps speed binding and endorsements To request a quote, contact Whitney Copp at (888) 694-8585 or [email protected]. Visit the official LIBRIS website at www.libris.org for more program background. Frequently Asked Questions What types of accounts are a good fit for this program?The LIBRIS program is ideal for independent bookstores, including those with cafés, event spaces, or online sales components. Is this program available nationwide?Yes. LIBRIS Booksellers Insurance is available in all 50 states and Washington, D.C. What carriers support this program?The program is backed by Great American Insurance Group, an A-rated carrier with experience in retail and niche markets. What is the minimum premium for this program?The minimum premium starts at $500, making the program accessible for smaller independent retail operations. Can this program cover special events or off-site book fairs?Yes. Optional coverage for off-site events and exhibitions is available through the LIBRIS program. Need help placing an account? Connect with a market specialist.

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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.