Search CompleteMarkets

... & 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...

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

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

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

Cochrane & Company is proud to introduce its new Admitted Dealer & Repair Insurance Program, designed specifically for garage operations that sell, service, or repair a wide range of vehicles. Backed by an AM Best “A” rated carrier, this program is a strong solution for agents seeking comprehensive coverage options for clients with unique garage exposures. Ideal Accounts and Appetite This program is tailored for a diverse range of garage-related businesses, including both established operations and new ventures. Eligible risks include: Auto Maintenance & Repair Shops Auto Paint & Body Shops Heavy Truck and Tractor Dealers/Repair Mobile Auto Repair Services RV & Trailer Dealers and Repair Shops Motorcycle and Off-Road Vehicle Dealers Non-Franchised Auto Dealers Boat Engine Repair (on land) Emergency Vehicle Sales/Repair Valet Parking Operations Auto Dismantling & Salvage Yards (AZ only) Coverage is currently available in Arizona and California, with some variations in eligible classes by state. Coverage Highlights and Advantages The Dealer & Repair Insurance Program provides robust protection across key exposures: Garage Liability: $1,000,000 per occurrence / $3,000,000 aggregate Garagekeepers Coverage: Heavy trucks and tractors: $150,000 per unit / $500,000 aggregate Mixed auto types: $500,000 aggregate Legal Liability and Direct Primary options available Maximum deductible per loss: $5,000 Property Coverage: Building, contents, and business income Additional Coverages: Signs, glass, E&O for auto dealers Optional Liability Extensions: Part sales, lessor’s risk, mini-marts, and more Vehicle Scheduling: Most business-use vehicles can be listed Whether your client operates a mobile repair service or a multi-location repair shop, this program offers flexibility and depth of protection. Underwriting Notes and Minimum Premiums New ventures are welcome, and underwriting requires a completed Garage Application along with relevant supplements, including: Heavy Vehicle Equipment Service or Tow Operator Questionnaire Owner and mechanic experience overview Building and lot security details Motorcycle/Off-Road Supplement (if applicable) Minimum premium varies depending on risk characteristics and selected coverages. Territories and Availability This admitted program is currently available in: Arizona – Full range of eligible classes California – Select classes, including repair shops, body shops, mobile repair, and RV/trailer dealers Why Work With Cochrane & Company As a trusted Managing General Agency, Cochrane & Company brings decades of experience in specialty insurance markets. Their Dealer & Repair Insurance Program is built with agent needs in mind, offering flexible underwriting, quick turnaround, and access to admitted markets with strong financial backing. Whether you're placing a startup mobile mechanic or a high-volume heavy truck dealer, Cochrane & Company is ready to help you secure the right coverage for your client. For more information on how to submit a risk or to request a quote, please contact Cochrane & Company today. We look forward to helping you grow your garage-related book of business. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto repair shops, body shops, mobile mechanics, RV and trailer dealers, heavy truck service centers, and non-franchised auto dealers—especially those located in Arizona or California. Is this program available for new business ventures?Yes, new ventures are acceptable. Underwriters will review experience, operations, and security measures as part of the submission process. What coverages are included in the Garagekeepers portion of the policy?The Garagekeepers coverage includes Legal Liability and Direct Primary options, with limits up to $500,000 aggregate depending on vehicle types. Are vehicles used in the business eligible to be scheduled?Yes, most vehicles used in the insured’s operations can be scheduled under the policy, subject to underwriting review. Which documents are required to get a quote?A completed Garage Application is required, along with applicable supplements such as the Heavy Vehicle Equipment or Tow Operator Questionnaire, experience details, and security information. Need help placing an account? Connect with a market specialist.

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.

Specialty Contractors Insurance Program from Cochrane & Company Cochrane & Company offers a focused Specialty Contractors Insurance Program built for artisan and general contractors working in residential, commercial, or mixed-use construction. Backed by a carrier with an AM Best rating of A+ XV, this non-admitted program helps agents place contracting risks that may not fit standard admitted markets. As a Managing General Agency with deep underwriting experience and access to multiple markets, Cochrane & Company gives agents responsive service, flexible coverage forms, and endorsements commonly required by project owners and general contractors. Ideal Accounts and Appetite The program targets a select set of contracting classes, including both artisan trades and small-to-mid-size general contractors. Typical classes we write include: Carpenters and framers Electricians and HVAC contractors Plumbers and mechanical contractors Concrete, masonry, and drywall contractors Small-to-mid-size general contractors who manage subcontractors This is a non-admitted program, making it well suited for accounts that need underwriting flexibility or that fall outside admitted carrier guidelines. Accounts with high-hazard trades, poor loss history, or unusual operations may not fit—underwriters evaluate exposures on a case-by-case basis. Coverage Highlights and Advantages The Specialty Contractors Insurance Program emphasizes broad general liability protection with competitive limits and common construction endorsements that owners and GCs request. Key limits and coverages include: $2,000,000 General Aggregate $2,000,000 Products/Completed Operations Aggregate $2,000,000 Personal/Advertising Injury $2,000,000 Each Occurrence $100,000 Damage to Rented Premises $10,000 Medical Payments if contractually required; otherwise $1,000 maximum Frequently available endorsements: Additional Insured — Owners, Lessees, or Contractors Completed Operations for qualifying projects Primary and Non-Contributory wording Waiver of Subrogation Blanket Additional Insured with primary and waiver wording available (flat $250) Designated Construction Project General Aggregate Underwriting Notes and Minimum Premiums Minimum premiums vary by class, scope of work, and state. Cochrane & Company underwriters work with agents to evaluate exposures and provide competitive quotes. For quicker turnaround, include the full contractor application, recent loss runs, and a description or scope of current projects with your submission. Common restrictions: high-rise, heavy civil, oil/gas rig work, and some specialized design-build exposures may be outside appetite. Reach out to underwriters with details—many risks that look difficult in standard markets can be placed here with appropriate underwriting information. Territories and Availability This program is available in: AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Why Work with Cochrane & Company? Cochrane & Company brings decades of MGA experience placing niche and hard-to-place contractor risks. Agents gain access to knowledgeable underwriters, flexible non-admitted coverage forms, and fast response times aimed at helping you close business that needs tailored solutions. Example scenarios that typically fit this program: A mid-size framing contractor expanding into light-commercial projects who needs completed operations and blanket additional insured endorsements to meet owner requirements. An HVAC subcontractor with several ongoing retrofit jobs requiring primary and non-contributory wording and a waiver of subrogation on owner contracts. For more information about Cochrane & Company's Specialty Contractors Insurance Program, please contact us or visit our program page. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for artisan and general contractors working on residential, commercial, or mixed-use projects, including electricians, plumbers, HVAC technicians, framers, and similar trades. Is this insurance program admitted or non-admitted?This is a non-admitted program, which provides underwriting flexibility for hard-to-place or unique contractor risks that may not meet admitted carrier guidelines. What coverage limits are offered?The program can provide up to $2,000,000 in general aggregate, products/completed operations, and occurrence limits, along with coverages such as damage to rented premises and medical payments as noted in the program highlights. In which states is this program available?This program is available in AZ, CA, CO, ID, MT, NM, ND, OR, SD, UT, WA, and WY. Are blanket additional insured endorsements available?Yes. A blanket additional insured endorsement with primary and waiver wording is available for a flat fee of $250 when applicable. Need help placing an account? Connect with a market specialist.

Cochrane & Company makes it easy for you to place Trucking Insurance coverage for a wide range of commercial trucking risks. Designed for both for-hire and not-for-hire operations, this program is ideal for insureds transporting goods and commodities within a 300-mile radius. Whether your clients operate single trucks or truck/tractor-trailer combinations, this program offers flexible solutions backed by strong carrier relationships. Ideal Accounts and Appetite This program is tailored for a wide variety of trucking exposures, including but not limited to: Livestock transportation General commodities hauling Dry van, flatbed, and container loads Machinery and equipment transport Iron, steel, and building materials Produce, meat, seafood, and refrigerated goods Pharmaceuticals and mail/periodical delivery Auto transporters and boat haulers Oversize and overweight loads Water transportation If you have a client operating a small fleet of refrigerated trucks delivering seafood to restaurants along the Pacific Northwest, or an auto hauler transporting vehicles across neighboring states, this program could be a great fit. Ineligible Exposures This program excludes certain risks, including: Student drivers Non-employee passengers Hazardous materials (incidental household items acceptable) Petroleum-based products (see petroleum haulers) Triple trailers Medical or biohazardous waste Mobile/manufactured home toters Explosives, poisonous gas, or radioactive materials Logging trucks Owner-operators not permanently leased Coverage Highlights and Advantages Automobile liability limits up to $5 million Uninsured/underinsured motorist and medical payments Personal injury protection Hired and non-owned auto coverage Physical damage coverage Motor truck cargo insurance Trailer interchange coverage UIIA (Uniform Intermodal Interchange Agreement) compliance General liability under truckers' code Multi-line discounts may be available Underwriting Requirements Loss information for current and prior years Complete VINs for all power units Full driver list with acceptable MVRs Territory and Market Access This trucking program is available in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Cochrane & Company works with multiple carriers, providing access to both admitted and non-admitted markets, with most coverage available through surplus lines. Minimum premiums vary based on risk characteristics. Why Work With Cochrane & Company? As a Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company brings decades of experience and strong carrier relationships to help you place even the most complex trucking accounts. Whether you're working with regional haulers or specialized transporters, our knowledgeable underwriting team is here to support your success from quote to bind. Frequently Asked Questions What types of accounts are a good fit for this Trucking Insurance program?Accounts involved in hauling general freight, refrigerated goods, autos, boats, livestock, and building materials within a 300-mile radius are ideal. Both for-hire and not-for-hire operators are eligible. What are the main coverage options offered under this program?Available coverages include auto liability up to $5 million, motor truck cargo, physical damage, trailer interchange, UIIA, and general liability under the truckers' code. Are hazardous materials haulers eligible for this program?No, risks involving hazardous materials, explosives, radioactive substances, or biohazardous waste are not eligible. Incidental household items like spray paint or batteries are acceptable. In which states is this program available?The program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. What underwriting information is required for a quote?You’ll need complete VINs for all power units, a full driver list with acceptable MVRs, and current/prior loss history. Need help placing an account? Connect with a market specialist.