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Commercial Child Care and Nursery School Insurance from Cochrane & Company This specialized insurance program from Cochrane & Company is designed for agents and brokers seeking comprehensive coverage solutions for licensed commercial child care centers and nursery schools. Whether your client operates a small preschool or a multi-location child care facility, this program offers tailored protection to address the unique risks of working with children and families. Target Classes and Ideal Accounts This program is built for commercially licensed child care centers and nursery schools. Ideal accounts include: Daycares and preschools with structured curriculums Facilities offering full-day or part-day programs Programs with on-site playground equipment, meal service, and off-site field trips Centers employing directors, assistant directors, and licensed staff Facilities must meet licensing requirements and operate on a commercial basis. Home-based care is not within appetite. Common Risks This Program Addresses Child care operators face sensitive and serious exposures. This program provides coverage for incidents such as: A child injured while using playground equipment False accusations of abuse or molestation made by a parent An employee accidentally spilling hot soup on a child Emotional distress claims from parents when proper permissions were not obtained Coverage Highlights This program offers robust features to give your insureds peace of mind: Professional Liability included at the General Liability limit at no extra cost Zero liability deductibles Child Molestation & Abuse coverage up to the General Liability limits, including Corporal Punishment Applies to all individuals, on and off premises Directors, assistant directors, and employees are included as insureds under Abuse/Molestation coverage Defense Cost reimbursement for false abuse allegations Medical Payments coverage automatically included for enrolled students Hired & Non-Owned Auto Liability available Expanded definition of Bodily Injury to cover emotional distress and mental anguish Available Limits and Underwriting Details Property values up to $3,000,000 in Protection Classes 1–8 Property values up to $1,000,000 in Protection Classes 9–10 Liability limits up to $1,000,000 per occurrence / $3,000,000 aggregate Abuse/Molestation limits up to $1,000,000 / $2,000,000 Excess or Umbrella coverage available up to $5,000,000 Minimum premiums vary depending on the account and coverage needs. Program Availability This program is available in most states on an admitted basis, including AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. If you have clients in these states, Cochrane & Company can provide competitive solutions tailored to their operations. Why Work with Cochrane & Company? Cochrane & Company is a trusted MGA with deep experience in niche insurance programs. Their underwriting team understands the operational and reputational risks child care facilities face daily. By partnering with Cochrane & Company, you gain access to responsive service, flexible underwriting, and a program designed to protect both your clients and their young students. To learn more about the Commercial Child Care and Nursery School Insurance program or to submit a risk, contact Cochrane & Company today. Frequently Asked Questions What types of child care facilities are eligible for this program?Commercially licensed child care centers and nursery schools are eligible. This includes daycares and preschools with structured programming and appropriate licensing. Does the program cover abuse or molestation claims?Yes, the program includes Child Molestation and Abuse coverage up to the General Liability limit. It also offers defense cost reimbursement for false allegations. Are field trip activities covered under this policy?Yes, coverage applies off premises and includes incidents related to field trips, provided proper protocols are followed. What is the maximum property value accepted?The program accepts property values up to $3,000,000 in Protection Classes 1–8 and up to $1,000,000 in Protection Classes 9–10. In which states is this program available?This program is available in AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY, mostly on an admitted basis. Need help placing an account? Connect with a market specialist.

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.

Cochrane & Company’s Commercial Auto Insurance program is designed for businesses that operate not-for-hire vehicles within a 300-mile radius. As a trusted Managing General Agency and Excess & Surplus Lines Broker, Cochrane & Company offers flexible underwriting, broad coverage options, and competitive solutions for a wide range of commercial auto exposures. Ideal Accounts and Appetite This program is ideal for businesses that own and operate their own vehicles as part of their operations but do not engage in for-hire transport. Eligible risks include: Catering services Farms and dairies Household goods movers Wholesale and retail delivery Food delivery (non-pizza) Courier and mobile businesses Magazine and newspaper distributors Armored car operations Manufacturing and funeral services Vacuum trucks and street sweepers Contractors, cranes, and boom trucks Ready-mix operations (cement mixers, concrete pumpers) Ineligible exposures include any for-hire or revenue-generating transport units, hazardous or petroleum-based materials (except incidental), pizza delivery, student drivers, triple trailers, and risks that allow non-employee passengers or involve mobile home, log, or biohazardous waste hauling. Coverage Highlights and Advantages Cochrane & Company provides comprehensive coverage options tailored to the diverse needs of commercial auto clients. Available features include: Automobile liability limits up to $5 million Uninsured/Underinsured motorists, medical payments, and personal injury protection Physical damage coverage Motor truck cargo coverage Multi-line discounts where applicable Flexible reporting capabilities allow agents to select from multiple reporting bases, including mileage, gross receipts, per vehicle, and total insured value, with real-time updates. Coverage lines include commercial auto liability, physical damage, hired auto, trailer interchange, and inland marine motor truck cargo. Underwriting Notes and Minimum Premiums To submit a risk, agents should be prepared to provide: Loss information for the current and previous three years Complete VINs for all power units A full driver list Motor Vehicle Reports (MVRs) for all drivers Minimum premiums vary depending on the nature and size of the account. All drivers must have acceptable MVRs to qualify. Territories and Availability This program is available in the following states: AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Most markets are non-admitted, providing greater flexibility for unique or hard-to-place risks. Why Work With Cochrane & Company? With decades of experience as an MGA and E&S broker, Cochrane & Company delivers industry-specific expertise and responsive service. Agents benefit from access to multiple carriers, robust underwriting knowledge, and a commitment to helping you place accounts that may not fit standard markets. Whether your client is a local milk distributor or a contractor needing coverage for a boom truck, Cochrane & Company can help you find the right solution quickly and efficiently. Frequently Asked Questions What types of accounts are a good fit for this Commercial Auto program?Businesses that operate their own vehicles within a 300-mile radius, such as farms, contractors, food delivery (excluding pizza), and mobile service providers, are ideal candidates. Are for-hire or revenue-generating vehicles eligible?No, this program is designed for not-for-hire business vehicles. For-hire transport units should be referred to Cochrane & Company’s trucking operations program. What information is required to submit a risk?Agents must provide loss runs for the current and prior three years, full VINs, a complete driver list, and acceptable MVRs for all drivers. Is coverage available for businesses hauling hazardous or petroleum-based materials?No, these are ineligible under this program. However, incidental hazardous materials (e.g., cleaners, batteries) are acceptable, and petroleum risks may qualify for Cochrane’s petroleum marketer program. What states is the program available in?This Commercial Auto Insurance program is offered in AK, AZ, CA, CO, ID, MT, NV, NM, ND, OR, SD, UT, WA, and WY. Need help placing an account? Connect with a market specialist.