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NO APPOINTMENT NEEDED TO OBTAIN A QUOTE! Salvage Yards and Auto Dismantlers — Including Pull-Your-Own-Parts Operations B&H Risk Services offers a specialized Auto Dismantling insurance program designed for salvage yards, auto dismantlers, and pull-your-own-part operations. Whether your client operates a full-service wrecking yard or a self-service dismantling lot, we provide tailored coverage that addresses the unique risks of the industry. No appointment is required to get started — making it even easier for agents and brokers to quote and bind business fast. Ideal Accounts and Underwriting Guidelines We welcome both traditional dismantlers and self-service salvage yards, with specific underwriting criteria for each: For Non-Self-Service (Traditional) Operations: • Entire lot must be fenced (minimum 4 feet in height) • No more than 3 vehicles stacked • Inspections are required for every risk • Car crushing allowed (some restrictions apply) For Pull-Your-Own-Parts Operations: • Same requirements as above, with some changes: • No more than 2 vehicles stacked • No use of auto jacks, cutting torches, or sawzalls — unbolting only Coverage Highlights Our program includes comprehensive protection specifically built for this high-exposure class: $1,000,000 / $2,000,000 Garage Liability Limits Optional UM/UIM coverage General Liability (GL), Garage, and Property coverages Damage to Rented Premises Garage Medical Payments Broadened Coverage Endorsements Additional Insureds Available Minimum Premiums and Submission Requirements The minimum premium starts at $500, making this program accessible for small and mid-sized operations. To receive a quote, a complete submission should include: Supplemental application Acord 125 and Acords for all desired lines Currently valued loss runs for the past 5 years (quoting may be possible subject to clean loss history) Policy forms govern. This summary does not alter policy terms or conditions. Available States This program is available in the following states: AL, AR, AZ, CA, KY, LA, MS, NC, OK, SC, TN, TX, VA. Why Work with B&H Risk Services? As a Managing General Underwriter and Carrier with access to multiple markets, B&H Risk Services delivers flexible, non-admitted solutions for hard-to-place auto dismantling risks. Our team understands the nuances of salvage operations, from vehicle stacking limits to public access concerns. We streamline the quoting process and deliver competitive options tailored to your clients’ needs. Whether your client runs a small auto salvage yard in Texas or a busy self-service dismantling operation in California, our program provides the tools and protection they need — and the fast, responsive service you expect. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include salvage yards, wrecking yards, and auto dismantlers — both traditional operations and pull-your-own-parts models — that meet our underwriting criteria. Can I quote without full loss runs?Yes, in some cases we can quote subject to loss runs if the account has a guaranteed clear loss history. Full loss runs for the past 5 years are preferred. Are there restrictions on equipment used in pull-your-own-part yards?Yes. For safety reasons, no auto jacks, cutting torches, or sawzalls are allowed. Only unbolting of parts is permitted in these operations. What is the minimum premium for this program?The minimum premium starts at $500, depending on risk characteristics and coverage selections. Which states is this program available in?This program is available in AL, AR, AZ, CA, KY, LA, MS, NC, OK, SC, TN, TX, and VA. Need help placing an account? Connect with a market specialist.

The Demolition Contractors Elite Program from Blue River Underwriters is a comprehensive package solution tailored to the complex needs of demolition and related contracting operations. Designed with flexibility and responsiveness in mind, this program is backed by carriers rated “A IX” for financial strength and offers coverage options that address the many risk exposures faced by demolition professionals. Ideal Accounts and Appetite Target classes include a wide range of demolition-related operations such as: Wrecking of buildings and structures (99986) Dismantling of dwellings (99987) Interior tear outs for carpentry (91342) Salvage operations (98698) Grading and excavation contractors (95410, 94007) Contractors with permanent yards or executive supervisors (91580) Subcontractors and underpinning services (91585, 99803) If you have clients involved in structural teardown, land clearing, or urban redevelopment, this program offers the underwriting knowledge and coverage breadth to support their operations. Coverage Highlights and Advantages This package program is structured to include core and specialized coverages: Commercial General Liability Property, Inland Marine, and Crime Automobile coverages Industry-specific enhancements include: Contractors Blanket Additional Insureds Primary & Non-Contributory Wording Blanket Waiver of Subrogation Per Project Aggregate Limits Following Form Excess Coverage These features are built to meet the contractual and operational requirements often found in demolition and heavy construction projects. Underwriting Notes and Submission Requirements To submit a risk for consideration, be prepared with the following documentation: Completed ACORD applications Completed program supplemental Five years of currently valued loss runs Two-year job list or certificate holder list Five years of premium, payroll, and receipts history Minimum premium varies depending on the risk profile and coverage needs. Territories and Availability This program is available in most states across the U.S., including but not limited to CA, TX, FL, NY, and IL. Please contact a Blue River Underwriters representative for specific state availability details. Why Work With Blue River Underwriters? Blue River Underwriters is known for its strong underwriting expertise in niche markets. With responsive service and a track record of successful program management, Blue River provides agents access to trusted carriers and the tools needed to serve clients in high-exposure industries. Whether you're placing a large demolition contractor with multi-state operations or a smaller salvage outfit, Blue River can help you place the business confidently and efficiently. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include demolition contractors involved in structural wrecking, interior tear-outs, excavation, salvage operations, and grading. Subcontractors and contractors with permanent yards are also eligible. Is this program available on an admitted basis?The program is offered on an admitted basis in most states. Please contact an underwriter for specific state availability. What documents are required to submit a risk?You'll need completed ACORD forms, a supplemental application, five years of loss runs, a two-year job or cert holder list, and five years of premium, payroll, and receipts. Can I get excess coverage through this program?Yes, following form excess coverage is available as part of the program's industry-specific enhancements. What is the minimum premium?Minimum premium varies based on factors such as operations, size, and location of the account. Contact Blue River for specific underwriting guidance. Need help placing an account? Connect with a market specialist.

Used Car Dealership Insurance Program from J.L. von Arx & Associates J.L. von Arx & Associates offers a focused Used Car Dealership Insurance program designed for independent agents placing risks in automotive sales, service, and mobile repair operations. As a general agency and excess & surplus lines broker, we combine specialized underwriting with access to multiple admitted and non-admitted carriers to deliver placement flexibility for dealer and garage exposures. Ideal Accounts and Appetite This program suits a range of retail and service operations in the used-vehicle space, including: Independent used car dealerships selling autos, light to extra-heavy trucks, RVs, motorcycles, golf carts, trailers and equipment Repair shops and service centers, including mobile repair businesses Dealers who maintain on-lot inventory and require physical damage protection Operations needing liability protection plus coverages for employee tools or business interruption Example: You might place a small used-truck lot in Arizona that operates a single repair bay. This program can combine Garage Liability, Dealer’s Open Lot physical damage, and Garage Keepers Legal Liability to address both sales and service exposures. Coverage Highlights and Advantages Coverage is offered as a package tailored to dealer and garage operations and may include: Garage Liability Auto & Premises Medical Payments Garage Keepers Liability (Legal Liability or Direct Primary) Dealer's Open Lot Physical Damage Building & Contents Coverage Fire Legal Liability Broad Form Personal Injury & Advertising Liability Broad Form Products Coverage Federal Odometer & Truth-in-Lending Errors Title Errors and Omissions Drive Other Car Coverage Employee Tools False Pretense Business Income with Extra Expense Underwriting Notes and Exclusions Underwriting focuses on standard, well-managed operations. The following are generally ineligible: Automobile salvage yards or businesses that rebuild salvage vehicles Vehicle repossession services Operations that service, maintain, or sponsor vehicles used in races or exhibitions Minimum premiums and specific terms depend on location, inventory values, services offered, and loss history. Contact J.L. von Arx & Associates for underwriting guidance and to discuss any borderline or specialty risks. Territories and Availability The program is currently available in Arizona, California, and Nevada. We offer admitted market options in select states and access to non-admitted carriers where broader capacity is needed. Why Work with J.L. von Arx & Associates? Agents choose J.L. von Arx & Associates for: Deep underwriting expertise in garage, dealer, and automotive risks Access to multiple competitive markets — admitted and excess & surplus — to improve placement options Responsive service and practical solutions for mobile, specialty, and multi-line dealer operations Whether you're placing a straightforward dealer account or a more complex operation with repair services and lot inventory, our program is structured to provide flexible coverage options backed by experienced underwriting support. Frequently Asked Questions What types of accounts are a good fit for this program?This program is a good fit for used auto dealerships, RV and motorcycle dealers, and mobile or fixed repair shops—basically operations involved in the sale or service of vehicles that need combined liability and physical damage protections. Are salvage yards or rebuilders eligible?No. Businesses that operate as salvage yards or rebuild salvage vehicles are outside this program's appetite. Is Dealer’s Open Lot coverage included?Yes. Dealer’s Open Lot Physical Damage is available subject to underwriting review and limits based on inventory values and lot exposures. Which states is this program available in?The program is currently offered in Arizona, California, and Nevada, with admitted market options in select states and non-admitted capacity available where appropriate. Can I submit risks with mobile repair operations?Yes. Mobile repair operations can be considered when they are properly classified and their exposures are clearly documented for underwriting. Need help placing an account? Connect with a market specialist.

A package insurance solution for tow-truck operators Available on an admitted & non-admitted basis Trinity Underwriting Managers — part of the Amwins Underwriting division — offers a focused, one-stop Towing Insurance Program for professional, for-hire tow companies. This program is designed for tow operators that also perform approved ancillary operations such as auto repair, body work, salvage, storage, and fuel sales. Distribution is handled through a select group of retail brokers; use this market when your clients need a tailored towing package rather than a general commercial auto placement. Ideal accounts and appetite Established professional, for-hire tow companies that operate approved ancillary businesses (auto repair, body shop, salvage, storage, gas sales, etc.). Small and large fleets — single-truck operators up to multi-unit fleet accounts. Accounts with AAA contracts or police rotations will be considered when underwriting supports those exposures. Not a fit: New ventures or operations without an established operating history. Coverage highlights and program strengths Auto liability — up to $1,000,000 General liability — up to $1,000,000 Physical damage — up to $500,000 On-hook / cargo — up to $500,000 Garagekeepers — available on a legal liability or direct primary basis Excess limits available to enhance primary limits where needed This program consolidates the primary towing exposures into a single package, simplifying placement and billing while addressing common gaps between auto liability, on-hook/cargo, physical damage and garagekeepers coverage. Underwriting notes & minimum premium Underwriting focuses on demonstrated operations, loss history, vehicle mix, and the scope of ancillary services. The program accepts both admitted and non-admitted placements to provide flexibility across jurisdictions. Minimum premium: Varies by state and coverages — consult underwriting for state-specific minimums and eligibility requirements. Common factors underwriters review: Years in business and operating history (new ventures typically declined) Driver hiring, training and MVR controls Vehicle types (rotators, wreckers, flatbeds) and values Nature and limits of ancillary operations (repair, storage, salvage) Territories and availability The program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Placements may be admitted or non-admitted depending on state rules and carrier appetite. Why place towing business with Amwins Underwriting / Trinity Underwriting Managers Niche underwriting expertise in towing operations and related garage exposures. Single-stop package options that combine auto liability, physical damage, on-hook/cargo and garagekeepers coverage. Flexibility to consider a wide range of fleet sizes and ancillary operations. Access to admitted and non-admitted capacity where appropriate. Example scenarios that fit this program You have a 12-truck towing fleet that also operates a small repair shop and offers short-term vehicle storage — the program can bundle auto liability, on-hook/cargo and garagekeepers coverages with appropriate limits and excess capacity. An established single-operator wrecker under a police rotation wants combined physical damage and on-hook coverage with excess limits available — this program can be evaluated for admitted or non-admitted placement based on state availability and underwriting. Interested in learning more? Please visit our website. Frequently Asked Questions What types of towing accounts are a good fit for this program?Established, for-hire tow companies that operate approved ancillary businesses (repair, body shop, salvage, storage, fuel sales) and fleets of varying sizes. Accounts with proven operations and acceptable loss history are preferred; new ventures are typically not eligible. Are admitted policies available?Yes. The program offers admitted and non-admitted placements depending on the state and underwriting assessment. Availability by state should be confirmed with underwriting. What coverages and limits can I request?The program can include auto liability and general liability (up to $1M), physical damage and on-hook/cargo (up to $500K), garagekeepers (legal liability or direct primary), and excess limits where needed. Exact limits depend on underwriting and carrier availability. How do I submit an account for consideration?Submit full loss runs, vehicle schedules, details of ancillary operations, driver hiring and safety programs, and any contract exposures (AAA, police rotation). Underwriting will evaluate operations, vehicle mix and loss history to determine eligibility and pricing. Need help placing an account? Connect with a market specialist.

Garage Liability and Garagekeepers Insurance Program from Ck Specialty Insurance As an experienced Excess & Surplus Lines Broker, Ck Specialty Insurance Associates, Inc. offers a flexible Garage Liability and Garagekeepers Insurance program designed for a wide range of auto-related businesses. This program helps independent retail agents and brokers place difficult or niche garage risks across Idaho, Nevada, and Washington by using non-admitted markets and tailored underwriting. Ideal Accounts and Target Classes This program fits many garage operations that often have trouble in the admitted market. Target classes include: Auto dealers — new, used, wholesale, and internet-based Auto maintenance, repair, and body shops Recreational vehicle and motorcycle sales & repair Antique and classic auto restoration Mobile repair units and roadside assistance providers Valet parking services Auto glass, tinting, upholstery, and vehicle wrap services Salvage yards, dismantlers, and utility trailer repair Heavy truck sales and repair Examples of good-fit accounts you might submit: a rural RV repair shop that runs mobile service calls and needs broad garagekeepers limits, or a used-car dealer with an open-lot exposure and prior minor liability losses that has been declined by admitted carriers. Coverage Highlights Available coverages include (but are not limited to): Garage Liability, Garagekeepers, Uninsured Motorist, Fire Legal Liability, Medical Payments, Dealers Open Lot, Incidental General Liability, Additional Insureds, Broadened Coverages, and Property. Limits available typically go up to $1,000,000 per occurrence / $3,000,000 aggregate for liability, and up to $1,000,000 for Garagekeepers coverage, subject to underwriting and carrier guidelines. Underwriting Notes and Minimum Premiums This is a non-admitted program placed through various surplus lines carriers, which gives Ck Specialty flexibility to craft solutions for more complex or nonstandard risks. Underwriting focuses on operations, location, loss history, and safety controls. Classes with mobile operations, salvage activities, or heavy-truck exposures are considered but reviewed carefully for limits, deductibles, and policy terms. Minimum premiums start at $750 for mono-line Garage Liability or Garagekeepers placements and generally $1,000 for package policies, though final pricing varies by class and exposures. Territories and Availability The program is available to licensed retail agents and brokers placing business in Idaho, Nevada, and Washington. Submissions are reviewed on a case-by-case basis; appetite and terms may differ by state and carrier. Why Work With Ck Specialty Ck Specialty Insurance is a family-owned wholesale brokerage and Western-based MGA and Surplus Lines Broker. They emphasize responsiveness and practical placement strategies for hard-to-place garage accounts. Their carrier relationships and underwriting expertise help independent agents access markets and coverage forms they may not reach directly. Whether your client operates from a remote location, runs mobile units, manages salvage operations, or simply needs broader-than-average liability and garagekeepers protection, Ck Specialty can help you identify placement options and move submissions efficiently. Ck Specialty Insurance: Opening market doors…for you. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for auto dealers, repair shops, body shops, RV and motorcycle service providers, mobile mechanics, valet services, and other garage-related businesses that are hard to place in admitted markets. Is this an admitted or non-admitted program?This is a non-admitted program placed through surplus lines carriers, offering greater flexibility in underwriting and coverage customization. What are the minimum premium requirements?Minimum premiums typically start at $750 for mono-line coverages and $1,000 for package policies, though final premiums depend on class, limits, and exposures. Which states is this program available in?This Garage Liability and Garagekeepers Insurance program is available in Idaho, Nevada, and Washington. Can this program cover mobile operations or roadside assistance companies?Yes—mobile repair units and roadside assistance providers are among the accepted classes. Submissions should detail operations, limits requested, and risk controls to help underwriters assess placement options. Need help placing an account? Connect with a market specialist.

Workers Compensation Program for Waste Haulers PMC Insurance Group offers a specialized Workers Compensation program for Waste Haulers, designed to meet the needs of both small and large operations in the waste management sector. Whether your client operates a small junk removal business or a large-scale commercial waste hauling company, PMC delivers tailored solutions backed by underwriting expertise and risk management support. Ideal Accounts and Target Classes This program is built to serve a wide range of waste hauling operations, including: Commercial waste haulers Residential waste haulers (automated pickup only) Construction waste transportation Recycling and salvage operations Junk removal services Accounts should have a minimum of 3 years of operational experience to qualify. The program is especially well-suited for agents working with larger accounts that require more than just standard coverage—those that need loss-sensitive structures and dedicated risk management services. Coverage Highlights and Program Advantages PMC partners with admitted, A-rated carriers to provide robust Workers Compensation solutions that can be structured to meet the unique risk profiles of waste hauling businesses. Key features include: Guaranteed cost options for smaller accounts seeking budget predictability Loss-sensitive deductible programs for larger operations looking to manage costs through risk control Access to experienced underwriters who understand the waste hauling industry Risk management consulting to help reduce claims and improve safety Underwriting Guidelines and Premiums Minimum premiums start at $5,000, with final pricing based on account size, claims history, and operational complexity. All submissions must demonstrate at least three years of experience in waste hauling or a related operation. Larger accounts may be eligible for more customized structures, including deductible and retrospective rating plans. Available States This program is available in the following states: AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, VA If you have clients located in these states who need reliable Workers Compensation coverage for waste hauling operations, PMC can help you place the business efficiently. Why Work With PMC Insurance Group? PMC Insurance Group is a trusted wholesale broker with deep expertise in workers compensation programs. Their Waste Haulers Workers Compensation program reflects a commitment to offering niche, high-value solutions that give agents and brokers a competitive edge. With access to multiple carriers and flexible program structures, PMC is a valuable partner for agents seeking responsive underwriting and risk management support for this challenging class of business. Whether you’re working with a growing junk removal company or a multi-state commercial hauler, PMC delivers the tools and support you need to place and retain quality accounts. Frequently Asked Questions What types of accounts are a good fit for this program?Commercial and residential waste haulers (automated pickup only), construction waste haulers, recycling/salvage companies, and junk removal services with at least 3 years of experience are ideal. Is the program available for new ventures?No, accounts must have a minimum of three years of operating history to qualify for this program. Are loss-sensitive deductible plans available?Yes, for larger accounts, PMC offers loss-sensitive deductible programs in addition to guaranteed cost options. What is the minimum premium for this program?The minimum premium starts at $5,000, but final pricing depends on account size, risk profile, and coverage structure. In which states is the program available?This program is available in AL, AZ, CT, GA, IN, KS, MD, MO, MT, NE, NV, NJ, NC, PA, SC, TN, and VA. Need help placing an account? Connect with a market specialist.

Garage Liability Solutions from Burns & Wilcox Automobile service and sales operations carry a mix of premises and auto exposures that can lead to significant property damage, bodily injury, and expensive litigation. Burns & Wilcox’ Garage Liability program is designed for independent agents and brokers who need flexible placement options for dealers, repair shops, valet operations and other garage-type risks. The program provides both admitted and non-admitted market access and can be written as monoline or within a broader package. Underwriters focus on tailoring coverage to the account—whether you’re placing a single-location repair shop or a multi-location dealer group. Target Classes and Ideal Accounts This program supports a wide range of garage-related operations, including: New and used auto dealers Service and repair garages Heavy truck and trailer sales and service Motorcycle, RV, ATV, and boat dealers Valet and parking lot operations Auto auctions, classic car restorers, and salvage yards Accounts that combine sales, on-site repairs, accessory installation, detailing, or full-service car wash operations are typically a good fit. The program is also suitable for specialty dealer operations such as classic car restorers and auction houses that need tailored liability and garagekeeper solutions. Example scenarios you might place through this program: A regional used-car dealer with on-site service bays and a fenced open lot seeking combined premises and auto liability plus dealer’s open lot coverage. A valet operator handling high-value vehicles that needs garagekeepers, excess limits and optional cyber/pollution enhancements. Coverage Features and Advantages Monoline Dealer’s Open Lot and Garagekeepers available Comprehensive package options: Garage Liability, Scheduled Autos, On Hook, Property, Business Income and more Access to both admitted and non-admitted carriers for placement flexibility Combined coverage for premises and auto liability to reduce gaps Optional enhancements—pollution, cyber liability, fire legal liability Dealer’s Errors & Omissions (E&O) and broad-form products for retail operations Drive-other-car coverage and excess limits where needed Multiple limit and deductible structures to match account size and risk appetite Underwriting Notes and Availability Burns & Wilcox underwriters evaluate accounts with attention to operations, claims history, physical security, repair procedures, and risk controls. The program’s admitted and non-admitted options give you flexibility on pricing and capacity—use the admitted market where available and competitive, or non-admitted when broader coverage or higher limits are required. Be prepared to provide details on vehicle schedules, garagekeeper exposure, repair procedures, daily vehicle counts, and any on-site storage of fuels or solvents to streamline underwriting. Territories Served This program is available nationwide — all 50 states plus Washington, DC. Territory-specific availability and admitted status will depend on the carrier selected for placement. Why Work With Burns & Wilcox? As a leading managing general agency, Burns & Wilcox combines deep garage-industry underwriting expertise with broad market access. Agents benefit from tailored solutions for complex garage exposures, responsive underwriting, and the ability to package liability, property and ancillary coverages to reduce client gaps. Whether you need admitted paper for a local dealer or non-admitted capacity for an unusual risk, Burns & Wilcox can help you place it. Frequently Asked Questions What types of accounts are a good fit for the Burns & Wilcox Garage Liability program?This program is ideal for auto dealers, repair garages, motorcycle and RV dealers, valet services, salvage yards, and similar operations. Can I package multiple coverages under this program?Yes. Burns & Wilcox offers package options including Garage Liability, Dealer’s Open Lot, Garagekeepers, Property, Business Income, and more. Is this program available in all states?Yes, the Garage Liability program is available in all 50 states plus Washington, DC. Are both admitted and non-admitted carriers available?Yes. Depending on the risk, Burns & Wilcox can place coverage through either admitted or non-admitted markets. Does this program offer coverage for cyber liability and pollution?Yes. Optional coverage for cyber liability and pollution is available to enhance your client’s protection. 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.

Overview — International Special Risks: Diving Contractors Insurance Since 1999, International Special Risks has specialized in Diving Contractors Insurance. Recognized by the Association of Diving Contractors International, ISR offers a focused program built around loss prevention, safety, and underwriting expertise for commercial diving operations. Our program combines access to A-rated carriers, nationwide claim handling, and flexible coverage options designed for the specific exposures your diving clients face. Ideal Accounts and Appetite This program is designed for professional commercial diving contractors and related marine contractors, including but not limited to: • Underwater inspection, maintenance and repair contractors • Subsea construction and installation contractors • Salvage and recovery operations • ROV/AUV operators and support contractors • Dive support vessel operators, barge and workboat operations • Inspection, testing and surveying contractors working offshore or inshore We typically place accounts with established safety programs and documented dive procedures. Accounts with frequent or severe loss histories, operations outside accepted industry standards, or activities that fall outside submitted scope may require additional underwriting review or may be declined. Coverage Highlights and Advantages ISR’s Diving Contractors Insurance program bundles marine, liability and employer exposures into a comprehensive offering specifically tailored for diving operations: • Financing options to smooth premiums • A-rated insurance carriers • All non-statutory coverages include basic limits of $1,000,000 • Outer Continental Shelf Lands Act coverage and common extensions • USL&H and Jones Act (Maritime Employers Liability) available • Workers’ compensation structured for diving exposures • P&I and hull insurance for vessels and barges • Equipment insurance including AUVs and ROVs; coverage for rented and leased equipment • Coverage for replacement cost on selected items • Bumbershoot/umbrella capacity and higher limits (up to $100,000,000 available) subject to underwriting approval • Loss of business income and extra expense coverage • Third-party over coverage and action over indemnity (subject to underwriter approval) • Coverage for a full range of vessels — barges, submersibles, DSVs, workboats and more • Worldwide coverage while in transit by any mode of transportation, in the water, or onboard vessels Underwriting Notes and Submission Requirements Safety and loss control documentation are critical — safety manuals, dive plans, ADCI memberships or equivalents, training records and equipment maintenance logs improve placement chances. Claims handling is available nationwide; we coordinate with carriers to streamline incident response. Minimum premiums and final terms vary by account size, operations, and territory — please submit full loss history and operational details for accurate indications. Territories and Admitted Status This program is available in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY Admitted placements are available in some states; non-admitted or excess placements may be used where appropriate. Territory availability and admitted status can affect terms — confirm at submission. Example Accounts (for agents) You have a regional dive contractor performing pipeline inspections and hull cleaning for commercial vessels — ISR can combine commercial general liability, marine hull/P&I and equipment coverage with USL&H protections. You represent an ROV/AUV operator contracted for offshore surveys — ISR’s equipment and liability modules can be structured to include transit and worldwide operations with limits to meet contract requirements. Why Work With International Special Risks ISR is a Brokerage General Agency with a deep niche focus on diving risks. Since 1999 we have developed specialized underwriting, loss-control partnerships and carrier relationships that translate into competitive pricing, meaningful limits (up to $100M), and broad coverage flexibility. Our team helps agents place complex diving accounts efficiently — from initial appetite guidance to claims support and policy placement. To learn more about ISR’s Diving Contractors Insurance program or to request a quote, submit your account details and loss history to one of our dedicated team members. We’ll help you evaluate coverage options and identify the best placement strategy for your client’s operations. Frequently Asked Questions What types of diving contractors are a good fit for this program?Commercial diving contractors with formal safety programs — such as underwater inspection/repair firms, subsea construction contractors, salvage teams, ROV/AUV service providers and dive support vessel operators — are the core appetite. Strong safety documentation improves placement. Are admitted policies available?Admitted coverage is available in some states. Where admitted capacity is limited, ISR can place non-admitted or excess options. Territory and admitted status depend on the risk and state regulations. What operational documents should I include with a submission?Provide a current loss run, written safety and dive operation manuals, training/qualification records for divers, equipment maintenance logs, and any client contracts that describe scope of work. These materially improve underwriting lead times and terms. Can this program cover ROVs and AUVs?Yes. Equipment insurance for ROVs and AUVs is available, including coverage for rented/leased gear and options for replacement cost on selected items. Transit and worldwide exposures can be included subject to underwriting. How high can limits go on liability and marine modules?ISR offers flexible capacity with limits available up to $100,000,000 depending on the risk, operations, and required coverage layers. Specific limit availability is subject to underwriting and carrier approval. Need help placing an account? Connect with a market specialist.

Our Franchised RV Dealer Environmental Insurance Program provides up to $1 million in limits with coverage placed through the Chubb Group of Insurance companies*. This program is designed for franchised RV dealers and their agents who need targeted environmental protection for dealer sites, transported units, and related exposures. Transported cargo liability Liability for non-owned disposal sites Coverage for new pollution incidents at insured sites __________________________________________________________________ In addition to broad coverages, the Franchised RV Dealer Environmental Insurance Program delivers focused underwriting and responsive service for agents placing environmental risks. Our process is designed to be efficient and straightforward: A streamlined application Straightforward underwriting Availability across the continental U.S. Fast service from quote to bind to policy issue ___________________________________________________________________ Get Started! To begin with the Franchised RV Dealer Environmental Insurance Program, please Register with us today and visit our website to download the application. ___________________________________________________________________ Overview of the Program This program, administered through SeaFire’s environmental platform and backed by the Chubb Group of Insurance companies*, is built specifically for franchised RV dealers. It addresses the common pollution exposures dealers face — on-site releases, incidents during transport, and liability arising from the use of third-party disposal sites. Ideal Accounts and Appetite Franchised RV dealers and multi-location dealerships with on-site service, fueling or battery storage activities. Dealers who transport units between lots or to service facilities and need transported cargo/pollution protection. Accounts with standard environmental controls in place (secondary containment for fluids, documented waste disposal practices). Typically not a fit: heavy manufacturing operations, large-scale salvage yards, or dealers with known, unresolved environmental contamination. Coverage Highlights and Advantages Up to $1,000,000 in limits (refer to policy terms for limits and retentions). Transported cargo pollution liability to protect while units are in transit. Non-owned disposal site liability to address third-party waste handling exposures. Coverage for newly discovered pollution incidents at insured sites to reduce clients’ out-of-pocket risk for remediation and liability. Underwritten by an experienced environmental team with access to admitted-quality capacity through Chubb. Underwriting Notes and Minimum Premiums The program uses a streamlined application and a focused underwriting review. Minimum premium: Varies by account characteristics and state. Typical underwriting focuses on site operations, fuel/battery storage, waste handling practices, and loss history. Provide current operating procedures and any recent environmental reports to speed placement. Territories and Availability This program is available in the following jurisdictions: AL, AZ, AR, CA, CO, CT, DE, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Availability and terms may vary by state. Why Work With SeaFire on This Program Program administration focused on environmental risks for specialty dealer classes. Efficient submission-to-bind workflow to help you move accounts quickly. Access to capacity through Chubb with underwriting depth for environmental exposures. You might have a client who operates three franchised RV lots, performs light service work, and transports units between locations — this program is designed to fill environmental gaps traditional commercial policies may not address. Learn More. For more information about SeaFire's Franchised RV Dealer Environmental Insurance Program please visit our website. Frequently Asked Questions What types of franchised RV dealer accounts are a good fit for this program?Accounts with multiple dealership locations, light service operations, on-site fluid/battery storage, and regular transport of units are a good fit. Dealers should have standard environmental controls and routine waste disposal practices in place. Heavy manufacturing, major salvage operations, or sites with known unresolved contamination typically do not fit. What specific pollution exposures does the policy address?The program covers new onsite pollution incidents, pollution liability from transported cargo, and liability arising from non-owned disposal sites. Coverage details, limits, and retentions are set in the policy forms and depend on underwriting. How do I submit a risk for consideration?Register with the program administrator and complete the environmental application. Provide site operation details, waste handling procedures, and any recent environmental reports or loss history to accelerate underwriting review. Is this coverage available in my state, and what about minimum premiums?The program is available across the listed states (see the territories and availability section). Minimum premium varies by state and account characteristics; underwriting will confirm the applicable premium and terms. Need help placing an account? Connect with a market specialist.