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... & 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...

...ors Insurance program for licensed pest control professionals and wildlife rem... fit for this program? Licensed pest control operators, wildlife removal contr...

Insurance for Pest Control Operators Pest control professionals protect homes, b...states is this program available?This pest control insurance program is offered in a...

...y fit: firms with documented loss controls, trained remediation crews, stable ...ures. Ideal accounts have documented controls, manageable loss history, and cl...

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.

...e alarms, intercoms, CCTV, access control and other electronic security system... alarms, intercoms, CCTV, and access control systems. Accounts with limited me...

...estivals, venues with known crowd-control issues, or events where underage drinking is uncontrolled should be reviewed with underwrit...typically fit the program when event controls and vendor agreements are in pla...

...es, building safety, and activity controls (pools, pets, transportation). Prov...

...blimit basis until experience and controls are established. Minimum premiums v...

With the legalization of medical and recreational marijuana in more and more states, the cannabis industry is poised for rapid growth and increased revenue opportunities for businesses. Your clients working in this sector face unique risks—and they need insurance solutions tailored to those exposures. Whether it’s property damage, theft, transportation incidents, or liability concerns, Cochrane & Company can help you secure the right Marijuana Insurance coverage for your clients. Specialized Coverage for a Specialized Industry Cochrane & Company offers a comprehensive Marijuana Insurance program designed specifically for businesses in the medical and recreational cannabis space. From dispensaries to grow operations and infused product manufacturers, we understand the complex needs of these operations and provide access to carriers and coverage options that address their risks. Key Coverages Available Our program includes a wide range of coverages that can help protect your client’s business in the event of loss or liability: • Products Liability • Equipment Breakdown • Accounts Receivable • Valuable Papers • Money and Securities • Government Actions Reimbursement • Property Coverage • Buildings • Tenant Improvements • Finished Stock • Business Personal Property • Transportation – including transit from grower to dispensary or dispensary to patient These coverages are designed to address the real operational risks cannabis businesses face every day. Target Classes We Serve We work with a wide variety of cannabis-related businesses, including: • Indoor Crop • Schools • Testing Labs • Dispensaries • Retail Outlets • Lessors Risk for Landlords to Marijuana Facilities • Growing Operations (Indoor and Outdoor) • Greenhouses • Bakeries • Hydroponic Stores • Infusion Centers • Edible Manufacturers If you have a client operating in one of these sectors, we may be able to provide a tailored insurance solution through our program. Program Availability and Underwriting Our Marijuana Insurance program is available in the following states: AK, AZ, AR, CA, CO, CT, FL, HI, IL, LA, ME, MD, MA, MI, MN, MT, NV, NH, NJ, NM, NY, ND, OH, OR, PA, RI, VT, and WA. Admitted products are available in some states. This program is underwritten through select markets that understand the evolving cannabis landscape. Whether your client is just entering the market or expanding operations, we can help you find the right fit across our carrier relationships. Why Work With Cochrane & Company? As a Managing General Agency with deep experience in placing cannabis-related risks, Cochrane & Company provides the expertise, market access, and service you need to confidently serve clients in this high-growth sector. We’re here to help you navigate the complex underwriting and compliance challenges of this industry and deliver customized insurance solutions that meet your clients’ needs. We are happy to answer any questions you may have and help you get appointed with Cochrane & Company. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for licensed cannabis-related businesses such as dispensaries, indoor and outdoor grow operations, edible manufacturers, testing labs, and landlords leasing to marijuana facilities. Is coverage available for transportation of cannabis products?Yes, our program includes transportation coverage, including transit from growers to dispensaries and from dispensaries to patients. Which states is this program available in?The Marijuana Insurance program is available in over 30 states, including CA, CO, FL, IL, MA, MI, NY, OR, and WA. Availability may differ by coverage type. Are admitted markets available?Yes, admitted markets are available in some states, depending on the type of coverage and the location of the risk. How can I get appointed to access this program?Contact Cochrane & Company directly to begin the appointment process and gain access to our cannabis insurance markets. Need help placing an account? Connect with a market specialist.