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Bring in the green this holiday season with Christmas Tree Lot Insurance from Cochrane & Company—a specialty program built to protect the unique exposures associated with seasonal tree lots and related holiday attractions. Overview of the Program From Cochrane & Company Cochrane & Company is a trusted Managing General Agency that places niche insurance programs for seasonal and specialty operations. Our Christmas Tree Lot Insurance provides tailored general liability coverage for businesses that operate during the holiday season, including temporary tree lots, tree farms with public access, “cut-your-own” operations, and small holiday attractions. Policies under this program are written on a non-admitted basis with access to specialty carriers—making it a fit for short-term or otherwise hard-to-place risks. Ideal Accounts and Appetite This program targets seasonal Christmas tree operations and related attractions. Ideal classes include: Retail Christmas tree lots (temporary sidewalk or parking-lot locations as well as permanent lots) Christmas tree farms that invite the public onto their property “Cut your own” operations where customers harvest trees on-site Lots that offer hayrides, wagon rides, or similar seasonal activities Lots that include small amusement devices (bounce houses, kiddie rides) subject to underwriting review You might have a client who runs a pop-up lot in a shopping-center parking area, or a family farm that operates tree-cutting weekends with hayrides—those are exactly the types of accounts this program was designed to place. Coverage Highlights and Advantages Minimum liability deductible: $500 Available limits: $1 million per occurrence $2 million general aggregate $1 million products/completed operations aggregate Assault & Battery coverage: Included — $25,000 per occurrence / $50,000 aggregate Flexible rating: Rates based on admissions and operational exposures, making the program suitable for short seasonal windows or event-style operations Note: Higher limits are not available under this program. Underwriting Notes and Minimum Premiums Underwriting evaluates accounts based on season length, site layout, crowd controls, safety practices, and expected admissions. Minimum premiums vary with the scope of operations, number and type of attractions, and projected visitor volume. Accounts with amusement devices, animal interactions, elevated crowd density, or other higher-risk exposures may require supplemental underwriting or may be ineligible. Territories and Availability This program is available in the following states: California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. All placements are non-admitted and placed with specialty markets through Cochrane & Company. Why Work With Cochrane & Company? With decades of experience in seasonal and specialty markets, Cochrane & Company gives agents access to hard-to-place risks and responsive underwriting during the limited selling window these clients have. We move quickly on short-term accounts, understand seasonal operations, and can help structure coverages that match the client’s actual exposures. If you need placement support or a market that will consider temporary or unique holiday operations, Cochrane can help. For more information regarding Christmas Tree Lot Insurance, please do not hesitate to contact us! Frequently Asked Questions What types of accounts are a good fit for this program?Seasonal Christmas tree lots, tree farms with public access, “cut-your-own” operations, and lots that include hayrides or small amusement attractions are good fits. Is this program available in all states?No. It is currently available only in California, Idaho, Montana, New Mexico, Oregon, Washington, and Wyoming. Are amusement devices or animal rides covered?Small amusement devices may be eligible but require additional underwriting review. Animal rides are typically not eligible and should be disclosed up front. What limits are available under this program?Limits are up to $1M per occurrence, $2M general aggregate, and $1M products/completed operations aggregate. Higher limits are not available. How are premiums calculated?Rates are based on admissions and the specific operational exposures of the account. Minimum premiums vary based on the size and features of the operation. Need help placing an account? Connect with a market specialist.

Commercial Inland Marine Insurance Program from Cochrane & Company Cochrane & Company offers a flexible and comprehensive Commercial Inland Marine Insurance program designed to help agents and brokers place business that falls outside the scope of standard commercial property policies. With access to multiple carriers and a broad appetite, this program allows you to serve a wide range of clients with mobile or specialized assets that require tailored coverage solutions. Coverage is available on a monoline or package basis, giving you flexibility to meet your insureds' specific risk profiles. Whether your client needs protection for equipment on the move, valuable papers, or fine arts, Cochrane & Company provides solutions that help you expand your book of business with confidence. Ideal Accounts and Target Classes This program is well-suited for businesses with mobile, movable, or specialized property exposures. Target classes include, but are not limited to: Accounts Receivable Mobile Agricultural Machinery and Equipment Animal Floaters Bailees Customers Computer Systems Coverage Optional coverages available Contractor’s Equipment Exhibition Coverage Commercial Fine Arts Breakage coverage available Golf Carts Installation Coverage Miscellaneous Articles Prize Indemnification Signs Trip Transit Valuable Papers If you work with clients who transport goods, display fine art, lease equipment, or maintain mobile operations, this program offers the protection they need. Coverage Highlights and Advantages Inland marine policies through Cochrane & Company help fill key gaps left by traditional property insurance. Highlights of available coverages include: Protection for property in transit or on location Optional breakage and theft coverage Specialized coverages for contractors, exhibitions, and more Flexible terms for a wide variety of classes You might have a client who operates a landscaping business and needs coverage for their trailer-based equipment across multiple job sites, or an art gallery that requires protection for fine art during transport and display. This program is built to meet those needs. Underwriting Notes and Minimum Premiums Minimum premiums vary depending on class and risk characteristics. Cochrane & Company underwrites each submission individually and works with multiple carriers to find the best fit. The program is non-admitted, allowing for greater flexibility in tailoring solutions for unique or hard-to-place risks. Territories and Availability This program is available in the following states: Alaska, California, Idaho, Montana, Nevada, New Mexico, North Dakota, Oregon, Washington, and Wyoming. Cochrane & Company is actively seeking business in these regions and welcomes submissions from licensed agents and brokers. Why Work With Cochrane & Company? As a trusted Managing General Agency with decades of experience, Cochrane & Company provides expert underwriting, responsive service, and access to a broad array of markets. They specialize in helping agents and brokers find creative solutions for risks that don’t fit the standard market mold. With a wide appetite and flexible approach, Cochrane & Company is an excellent partner for placing inland marine business. For more information about how to quote Commercial Inland Marine Insurance with Cochrane & Company, please contact their team directly. Frequently Asked Questions What types of accounts are a good fit for this program?This program targets clients with mobile property or specialized inland exposures, such as contractors, equipment dealers, art galleries, and agricultural operations. Is this coverage available on a monoline basis?Yes, Cochrane & Company offers Commercial Inland Marine Insurance on both a monoline and package basis. What is the minimum premium for this program?Minimum premiums vary based on the class and risk characteristics. Contact Cochrane & Company for specific underwriting guidance. Is the program admitted or non-admitted?This is a non-admitted program, which allows for greater flexibility in underwriting and coverage customization. In which states is this program available?The program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Need help placing an account? Connect with a market specialist.