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...neral Agency offers a specialized Bakery Insurance program designed to meet th...e sales are all strong fits. Are new bakery businesses eligible for coverage?Y...

Cochrane & Company offers a focused, non-admitted Hired & Non-Owned Auto Insurance program that helps agents and brokers place auto liability and excess liability for businesses that rely on rented or personally owned vehicles for operations. The program is designed for risks where the client needs liability protection for drivers or hired vehicles they do not own, and it’s structured to complement a driver’s personal insurance or a primary business auto policy. Ideal Accounts and Appetite This program fits small to mid-sized businesses that make regular local deliveries or service calls using non-owned vehicles. Typical target classes include: Food delivery services Auto parts couriers Bakeries Florists Home health care providers and mobile caregivers You can place single-location businesses or accounts with multiple locations across the eligible states. For example, a home health care agency with nurses or aides who use personal vehicles for client visits can benefit from Hired & Non-Owned liability placed through this program. Restricted Classes Underwriting limits this program from accepting certain higher-exposure classes. Ineligible or restricted accounts typically include: Realtors and real estate brokerages Timed or expedited delivery services (high-frequency, guaranteed-time deliveries) Human transportation operations (rideshare, shuttle or taxi services) Trucking operations (vehicles beyond light pickups) Sales forces and temporary staffing agencies with mobile workforces Coverage Highlights and Advantages Hired & Non-Owned Auto liability limits available up to $7 million Excess and umbrella layers available to increase protection Flexible structures — standalone program or layered over driver's personal insurance or a primary business policy No receipt restrictions on hired vehicle coverage Minimum premiums available from approximately $2,430 (varies by limit and structure) Low deductibles or Self-Insured Retentions (SIRs) can be accommodated Designed to serve both localized accounts and larger regional/national placements within eligible states Underwriting Notes and Minimum Premiums This non-admitted program gives underwriters flexibility to structure pricing and terms to match account needs. Minimum premium levels start around $2,430 for lower limits, but final pricing depends on exposure, limits, claims history, and whether coverage will be written as excess over a primary policy or over drivers’ personal auto policies. Provide complete loss runs and details about delivery frequency and driver screening to get accurate terms quickly. Available States The program is available in: AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Cochrane & Company brings regional underwriting expertise across these western and mountain states. Why Work With Cochrane & Company? As a Managing General Agency with deep commercial auto experience, Cochrane & Company pairs responsive underwriting with access to multiple carrier partners for hired and non-owned exposures. Agents benefit from tailored program structures, experienced risk selection, and practical placement options when traditional admitted markets are constrained. Have questions about Hired & Non-Owned Auto Insurance or need help placing a specific account? Please contact us! Frequently Asked Questions What types of accounts are a good fit for this Hired & Non-Owned Auto Insurance program?Good fits include businesses that use employee-owned or rented vehicles for routine work—examples are food delivery services, auto parts couriers, florists, bakeries, and home health care providers that don’t maintain a company-owned fleet. Are there any industries that are ineligible for this program?Yes. The program generally excludes real estate agencies, timed/expedited delivery operations, human transportation risks (rideshare/shuttle), heavy trucking operations (beyond pickups), and staffing agencies with mobile sales forces. What is the minimum premium for this program?Minimum premium starts at approximately $2,430 for a $100,000 limit, but final premiums depend on the account’s exposure, limits, and how the coverage is structured. Can this program be written as excess over the driver's personal insurance?Yes. Policies can be structured as excess over a primary business policy or over drivers’ personal auto insurance, depending on underwriting approval and the account’s needs. In which states is this program available?The program is available in AK, AZ, CA, ID, MT, NV, NM, ND, OR, UT, WA, and WY. Need help placing an account? Connect with a market specialist.

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Restaurant Insurance Program — Prime Insurance Company Eating at a restaurant should be an enjoyable experience: great food, a comfortable atmosphere, and attentive service. Unfortunately, accidents and property loss can happen — from foodborne illness and slips and falls to kitchen fires — and those events can quickly create significant financial exposure for your client. Know the Facts Between 2010 – 2014 there is an average of 7,410 kitchen fires reported to U.S. fire departments Slips and falls are the number 1 cause of accidents 38% of cooking equipment and 21% of electrical distribution are the top causes of property damage in restaurants Program Overview Prime Insurance Company offers a tailored Restaurant Insurance program designed for agents placing dining risks. We underwrite accounts by reviewing operations, loss history, and management practices to deliver an all-in-one policy that fits the client’s exposure. The program stacks common commercial coverages so you can place property, liability and ancillary exposures through a single market. Insurance Coverages Available Commercial Property Insurance Commercial General Liability Insurance Commercial Umbrella Insurance Commercial Auto Insurance *Not available in NY Liquor Liability *Please note that we do not offer workers compensation. Ideal Accounts and Appetite This program is built for a wide range of restaurant operations. Good fits typically include: Independent full-service restaurants and bistros Fast-casual concepts and cafes Small to mid-size bars and taverns (liquor liability available) Limited-service bakeries and catering operations Prime Insurance will consider new and established operations, including accounts with prior losses — underwriting is experience and operations driven. Accounts with large national scale, significant manufacturing, or complex multi-state payroll structures may require alternate placement or a specialized program. Coverage Highlights and Advantages Combined placement approach simplifies quoting and policy administration for property, liability and umbrella limits. Liquor liability options for establishments that serve alcohol. Commercial auto available for delivery and company vehicles (except NY). Underwriting that focuses on operational controls—kitchen suppression, employee training, food handling procedures, and premises maintenance—which can improve placement opportunities. Underwriting Notes When submitting, include clear details about operations and risk controls to speed evaluation: hours of operation, cooking equipment and suppression systems, percentage of alcohol sales, delivery operations or use of autos, annual revenues, payroll, and five-year loss history. Prime Insurance emphasizes operational detail and demonstrated risk management when assessing eligibility. Remember: workers compensation is not offered through this program. Territories and Availability This Restaurant Insurance program is available through Prime Insurance Company in the following territories: 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. Why Work With Prime Insurance Company on Restaurant Business Focused underwriting for hospitality exposures and practical risk assessment. Flexible placement for common restaurant needs—property, GL, umbrella, auto and liquor liability—in one program. Experience in handling accounts with prior losses and varying management experience. Dedicated service for brokers who need clear expectations and tailored coverage terms. Example Accounts You Might Place You have a client who runs a 60-seat full-service bistro with a full kitchen, fire suppression, and modest liquor sales — Prime can quote property, GL and liquor liability together. You represent a fast-casual chain with delivery vehicles — the program can combine GL, property and commercial auto (check NY availability for auto) and consider umbrella limits. Prime Insurance’s restaurant team is available to review submissions and help structure terms that align with the account’s operations and risk profile. We work with agents to identify appropriate limits and coverages that reduce the chance of coverage gaps while keeping placement efficient. Frequently Asked Questions What types of restaurant accounts are a good fit for this program?Independent full-service restaurants, fast-casual concepts, cafes, bakeries, and small bars/taverns are typically a good fit. The program evaluates operations, safety controls, and loss history to determine eligibility. Is liquor liability available?Yes. Liquor liability can be included for establishments that sell or serve alcohol; underwriting will consider hours of service, alcohol sales percentage, and management controls. Do you offer commercial auto and is it available in every state?Commercial auto is available through this program but is not available in New York. Confirm auto availability on a per-submission basis and include vehicle use and driver information with the submission. What underwriting information speeds placement?Provide operations detail (menu and cooking methods), fire suppression details, percentage of alcohol sales, delivery operations, revenues, payroll, and a recent loss run. Detailed submissions help underwriters provide faster, more accurate terms. Need help placing an account? Connect with a market specialist.

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At Demetriou Group we offer tailored Medical Offices Insurance solutions designed for independent agents and brokers placing medical and allied health risks. Overview of the Program from Demetriou Group This Managing General Agency program is positioned to place a broad range of medical office and outpatient clinic risks. Demetriou Group works with multiple carrier partners (varies by account) to provide a package approach that combines general liability, professional (medical) liability, excess limits and property capacity appropriate for medical practices, diagnostic labs and other outpatient services. Ideal Accounts and Appetite The program targets small to mid-sized medical office operations and outpatient facilities. Typical classes that fit well include: AIDS testing services Alcohol and drug centers Audiologists Chiropractors Dental offices & labs Diagnostic imaging and X-ray labs (including MRI, lithotripsy) Home health agencies and mobile diagnostic centers Medical billing services and lab technicians Mental health clinics, counselors, psychologists, social workers, therapists Optometry offices, urgent care and standalone surgery centers Accounts with routine outpatient diagnostic and treatment exposures, stable risk controls, and standard staffing levels are the primary focus. High-hazard inpatient facilities, large ambulatory surgery centers with complex procedures, or operations with documented regulatory actions may require special review or be outside appetite. Coverage Highlights and Advantages Commercial General Liability: typically available at $1,000,000 per occurrence. Professional (Medical) Liability: capacity referenced at up to $3,000,000 aggregate through the program. Excess Liability: excess limits may be available up to $5,000,000 depending on carrier placement. Property: options to place up to $5,000,000 TIV (total insured value) when needed. Employee Benefits Liability: available as part of the package where required. Because Demetriou Group works with multiple markets, you gain flexibility to tailor limits and coverages to the client’s exposure profile while keeping placement options centralized through one underwriting partner. Underwriting Notes and Minimum Premiums Underwriting considers specialty, claims history, patient volume, procedures performed, and facility controls (infection control, credentialing, security). Minimum premium and specific terms vary by carrier and state—consult the program for quoting guidance. Be prepared to submit a detailed application, loss runs, and facility information for faster evaluation. Territories and Availability This program is available through Demetriou Group in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Availability and admitted vs. non-admitted options vary by state and carrier; confirm placement options at submission. Why Work with Demetriou Group on Medical Offices Insurance As a managing general agency focused on specialty commercial lines, Demetriou Group provides underwriter access across multiple carriers, experienced medical-lines underwriting, and the flexibility to structure combined GL/PL/property packages. That makes it efficient for agents to present a single submission and pursue tailored solutions for a variety of outpatient and clinic risks. Example Scenarios • You have a two-provider outpatient physical therapy clinic seeking combined general and professional liability with modest property limits — this program can provide package options with tailored limits. • You represent a diagnostic imaging center (MRI/X-ray) that needs professional liability, facility liability and excess capacity — the program’s carrier panel can be used to assemble the appropriate layered limits. For quoting, submit the client’s completed application, recent loss runs, facility details and any provider credentialing documentation. Carriers and minimum premiums vary; contact Demetriou Group for current appetite and submission guidance. Frequently Asked Questions What types of medical offices are a good fit for this program?This program is best for outpatient clinics and medical offices such as dental practices, diagnostic labs (MRI, X-ray), urgent care centers, behavioral health clinics, therapists, optometrists, and similar allied health providers with routine outpatient procedures. Which states is the program available in?Demetriou Group currently markets this Medical Offices Insurance program in CT, ME, MA, NH, NJ, NY, PA, RI and VT. Coverage availability and whether an admitted or non-admitted placement is used depend on the state and carrier. What documentation should I include with a submission?Provide a completed application, most recent loss runs (typically 5 years if available), facility information (services offered, staffing, controls), and credentialing or licensing details for providers. Additional attachments may be requested depending on the risk. Are excess limits and property available through the program?Yes. Excess liability capacity (up to $5M referenced) and property limits (up to $5M TIV referenced) are available through market partners, subject to underwriting and carrier approval. Who do I contact for quoting and placement guidance?Submit the account to Demetriou Group with the requested documentation. Because carriers and minimum premiums vary, the program underwriters will review and advise on appetite, required attachments and next steps for placement. Need help placing an account? Connect with a market specialist.

Contract Litigation Insurance (CLI) from Demetriou Group protects insureds against the risk of paying an opponent’s attorneys’ fees when a contract dispute ends in a prevailing-party (loser-pays) result. This specialty policy is available for both plaintiffs and defendants and can be quoted with high coverage limits through Demetriou Group’s panel of admitted and non-admitted markets. Each year millions of contract lawsuits are filed in the United States and a large portion include a prevailing-party provision that permits the winner to recover attorneys’ fees from the loser. Those fee awards can exceed damages and materially threaten a client’s cash flow or ability to continue operations. Demetriou Group’s Contract Litigation Insurance is designed specifically to address that exposure — a gap that many standard liability and litigation policies expressly exclude. Overview — How Demetriou Group’s CLI Program Works Demetriou Group offers CLI as a one-time premium policy written within the first 12 months of active litigation. There is no deductible; the premium is fully earned at bind. Because CLI is event driven, earlier placement in the lifecycle of a dispute generally leads to lower premium costs and broader underwriting flexibility. Coverage can be issued for either side of the dispute and is frequently available with substantial limits, subject to underwriting. Ideal Accounts and Appetite Commercial contracts with a prevailing-party clause — suppliers, distributors, manufacturers, and service providers Technology and SaaS agreements where fee awards can be disproportionate to the contract value Construction subcontracts and professional services disputes that include fee recovery provisions Accounts where the claimant or defendant faces asymmetric litigation exposure (e.g., small business vs. deep-pocket counterparty) Typical accounts that fit the program: businesses of small to mid size with contract disputes filed in state or federal court, commercial litigation arising from breach of contract, and cases where the insured is seeking an insured outcome without risking catastrophic fee awards. Accounts outside appetite usually include criminal matters, class actions, or disputes with significant known adverse rulings or fraud allegations; each submission is reviewed on its merits. Coverage Highlights and Advantages Specific insurance against an opponent’s attorneys’ fees under prevailing-party clauses Available to plaintiffs and defendants High coverage limits available through multiple carrier partners One-time premium, no deductible — full premium earn-in at bind Event-driven placement: must be purchased within the first 12 months of a litigation Underwriting Notes and Minimum Premium Underwriters will assess the underlying contract, the existence of a prevailing-party provision, basic facts of the dispute, party financials, and prior litigation history. Early submission yields better options—Demetriou Group recommends submitting as soon as litigation is filed and before dispositive rulings. Minimum premium and specific terms vary by carrier and risk; please note the program lists minimum premium as "Varies." Territories and Regulatory Positioning Demetriou Group’s CLI program is available across all listed 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, UT, VT, VA, WA, DC, WV, WI, WY. The program is offered through multiple carrier markets (Varies) and can be placed on admitted or non-admitted paper depending on state availability and the carrier chosen. Why Place CLI with Demetriou Group? Specialized MGA expertise in niche litigation exposures and access to multiple markets Flexible placement for both plaintiffs and defendants with competitive limits Practical underwriting guidance that helps you position submissions early in the litigation lifecycle Streamlined quoting and placement from an experienced underwriting team that understands how CLI changes litigation strategy for insureds Example Scenarios You represent a mid-sized software vendor sued by a customer for contract nonperformance. The contract includes a prevailing-party clause and the customer’s demand for fees could be material to your client’s recovery—CLI can be placed to protect against an adverse fee award. A small manufacturing firm is defending a breach of supply contract where the counterparty has deeper pockets. Purchasing CLI early helps your client defend the claim without risking ruinous fee exposure if they lose. Submission Tips Provide the complaint or demand letter, the contract with prevailing-party language, basic financials for insured and adversary (if available), and a short litigation timeline. Early placement increases carrier options and may reduce premium. Because carrier appetite and minimum premiums vary, contact your Demetriou Group underwriter with the submission for a tailored review. Frequently Asked Questions What types of accounts are a good fit for Demetriou Group’s CLI program?Commercial contract disputes with a prevailing-party provision are the primary fit — examples include suppliers, service providers, technology vendors, and construction subcontracts. Small- to mid-sized businesses facing asymmetric fee exposure are ideal candidates. When must the policy be purchased during litigation?CLI is event driven and must be purchased within the first 12 months after the start of litigation. Earlier placement typically produces better carrier options and pricing. Does CLI cover both plaintiffs and defendants?Yes. Demetriou Group places CLI for both plaintiffs and defendants, subject to underwriting and carrier terms. What states and regulatory status apply to this program?The program is available in the states listed in the storefront (AL through WY and DC). Carrier placement may be admitted or non-admitted depending on state rules and the market selected. 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.