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Understanding the appropriate insurance limits and proper coverage for a home or business is vital, yet many buyers continue to underestimate the risks they may face. Program Brokerage Corporation (PBC) has access to an in-house Excess Flood insurance program underwritten by a panel of A-rated carriers. This national program will help ensure adequate funds are available to repair your clients’ homes and/or businesses. Coverages Offered: Contents Coverage: Available for Residential and Non-Residential Properties Loss of Income Coverage: Net Business Income or Loss of Rent Additional Living Expenses Replacement Cost Available Drop Down Business Income Coverage Available Limits Available: Up to $15 million combined limits for building and contents. Target Business: Personal Lines: residential properties including: Apartments Condominiums/Cooperatives Dwellings Townhouses Commercial Lines: commercial properties in a wide array of industries, including: Construction Education Hospitality Hotel/Motel/Short-Term Rental Industrial Manufacturing Office and Administrative Real Estate (Residential & Commercial) Retail Warehousing And more For more information, please contact: Tom Henderson Office: 212-338-2946 [email protected] Alexia Mosca Farley Office: 401-468-3448 [email protected] Gary Shapiro Office: 516-496-1346 [email protected]

... Others in your Care, Custody and Control Fine Arts – $35,000 Property...

Brownyard is pleased to provide coverage to private investigators and security consultants through PI Protect, developed by Brownyard in cooperation with industry professionals. We are recognized as one of the largest insurance providers to the PI/Security Consultant industry. PI Protect is written with highly rated insurance carriers at competitive premium rates through insurance agents and brokers.

Program Brokerage Corporation (PBC) offers a Terrorism product for all classes of business nationwide. The policy is written for stand-alone acts of Terrorism certified or uncertified with no required claim amount. NEW COVER: Civil Commotion, Malicious Damage, Riot and Strike. Why our program might be better suited to your clients than TRIA: Since 9/11, an event on U.S. soil has never been certified as an act of Terrorism and therefore TRIA remains untested for its loss payment. TRIA sets a high bar for claims to be made with large financial policy triggers, deductibles that have increased year over year since 2016 and Federal certification. TRIA is a back-stop solution for the insurance industry, while our policy is tailored to your clients' individual needs. Coverage Highlights: Limits available up to $250M for Property Damage and Business Interruption No maximum on total insurable values or number of locations Active Assailant sublimit of $500,000 subject to scheduled values Additional limits available on referral basis Sabotage coverage included Threat and Hoax sublimit of $100,000 Denial of Access available up to a 5-mile radius Zero deductible available 24-month policies available Claims-Made Terrorism Liability Coverage sublimit available, up to full policy limits Defense included within limit, Active Assailant Events excluded Required Documents: ACORD125 Schedule of Values 5 Years Loss History Underwritten by AM Best Company rated “A” XV (excellent) For more information, please contact: Gary Shapiro Office: 516-496-1346 Email: [email protected] Tom Henderson Office: 212-338-2946 Email: [email protected] Nicholas Biondo Office: 516-496-1349 Email: [email protected] Stefanie Silvio Office: 401-468-3449 Email: [email protected] Gary Shapiro Office: 516-496-1346 Email: [email protected] Tom Henderson Office: 212-338-2946 Email: [email protected] Nicholas Biondo Office: 516-496-1349 Email: [email protected] Stefanie Silvio Office: 401-468-3449 Email: [email protected] Gary Shapiro Office: 516-496-1346 Email: [email protected] Tom Henderson Office: 212-338-2946 Email: [email protected] Nicholas Biondo Office: 516-496-1349 Email: [email protected] Stefanie Silvio Office: 401-468-3449 Email: [email protected]

... & Company’s Exterminators and Pest Control Insurance program is tailored for pest control operators and exterminators wh... eligible states and involve standard pest control or related services. Unusual expo...

Policy Highlights for Pest Control Services Insurance: If you're an agent or broker placing pest control insurance, Colonial General In... scope of operations and any special controls needed. Are higher limits availa...

...ss runs Description of internal controls, segregation of duties, and treasur... expect underwriting questions about controls and loss history to determine pr...

...ider of insurance solutions to the pest control industry, we put together comp...a For more information about our Pest Control Insurance program, please contact...

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.