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...ency, Inc. offers a comprehensive Bakery Insurance program designed to meet th...tes is this program available in?The Bakery Insurance program is available in ...

...t, or a small chain with deli and bakery operations, this program offers custo... retail food operations with deli or bakery components are all within our targ...

...al accounts and target classes Bakery — wholesale and retail, including dou...

... Scenarios You have a regional bakery producing packaged breads and pastrie...

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.

...ity or liquor legal protection. Bakery, deli and takeout operations with typ...

...rior large losses or a commercial bakery expanding into multiple states—both a...

Advanced E&S is a Managing General Agency and Surplus Line Brokers. We are able to underwrite many different commercial classes for property and casualty insurance in the Midwest states (either by package or monoline product). Restaurants Insurance Coverages: Assault & Battery Boiler & Machinery Business Income Business Interruption Care/Custody/Control CGL Crime Equipment Breakdown Fine Arts Fire Food Spoilage GL Glass Inland Marine Legal Liab Liability Liquor Liab Nonowned & Hired Auto Personal Property Products Liab Property Real & Business Personal Prop Spoilage Theft Umbrella Overview of Advanced E&S Group — Restaurants Insurance Advanced E&S Group - Midwest Region offers a restaurants insurance program designed for independent agents and brokers placing commercial restaurant, bar, and foodservice risks. As a Managing General Agency and Excess & Surplus lines broker, Advanced E&S leverages a panel of specialty carriers to provide flexible property and casualty placements when admitted markets are limited or not available. Ideal Accounts and Appetite Independent full-service restaurants and casual dining locations Quick-service and fast-casual concepts Cafés, bakeries, caterers, and small commissaries Bars, taverns, and venues that serve alcohol (subject to underwriting) Small brewery taprooms, wine bars, and hybrid food/beverage operations Advanced E&S is well suited for accounts that need packaged property & liability programs or tailored monoline products (e.g., liquor liability, equipment breakdown, spoilage). While the program is focused on typical restaurant operations, higher-hazard accounts—such as large capacity nightclubs, properties with significant history of violent incidents, or operations with substantial pyrotechnics or manufacturing exposure—should be submitted for prior discussion with underwriters. Coverage Highlights and Advantages Comprehensive coverage options: property, general liability, liquor liability, equipment breakdown, crime, spoilage and food contamination, inland marine, and more. Ability to place both package and monoline solutions to address specific exposures (example: standalone liquor liability or equipment breakdown endorsements). Access to surplus lines capacity for accounts that exceed admitted market guidelines or require tailored terms. Policy features geared to restaurants: spoilage/food contamination limits, business income for closed-for-cleanup scenarios, and assault & battery coverage where appropriate. Umbrella and excess layers available through partner carriers to round out limits. Underwriting Notes and Minimum Premiums Underwriting focuses on loss history, alcohol exposure and controls, kitchen and fire protection systems, payroll and revenue mix, and any delivery/drive-through exposures. Exact terms and pricing depend on the account profile and selected markets. Minimum premium: Varies by state and carrier — please reference the underwriter for current minimums and program guidelines. Territories and Availability This restaurants insurance program is available across the following states: CT, FL, IA, IL, IN, KS, KY, MI, MN, MO, NE, NJ, NY, OH, PA, VA, WI. Placements are handled through surplus lines channels where appropriate; admitted options may not be available in every state. Why Work With Advanced E&S Group Specialized MGA/E&S broker expertise for restaurant and foodservice classes. Responsive underwriting and flexible forms to match operations from small cafés to busy neighborhood restaurants. Access to multiple surplus markets to place difficult or nonstandard risks. Agent-focused service: detailed submissions are reviewed promptly, and underwriters can provide guidance on risk improvements to improve terms. Example Scenarios You might have a single-location bistro with dine-in, takeout, and modest liquor sales that needs a packaged property/liability program with spoilage coverage and liquor liability. Advanced E&S can quote a tailored package. Or, you may represent a fast-casual chain with multiple locations that needs equipment breakdown and business income for a high-value kitchen—this program can place those monoline exposures through surplus markets when needed. Frequently Asked Questions What types of restaurant accounts does this program prefer?We prefer independent and small chain restaurants, quick-service and casual dining, cafés, bakeries, and bars with controlled alcohol exposure. Large nightclubs, venues with chronic violent loss history, or operations with unusual manufacturing exposures should be discussed with underwriters prior to submission. Are both package and monoline coverages available?Yes. Advanced E&S can provide packaged property & liability programs or individual monoline products such as liquor liability, equipment breakdown, spoilage, and inland marine depending on the account needs. Is this an admitted program?Advanced E&S operates as an MGA and surplus lines broker. Many placements are written through non-admitted (E&S) carriers. Availability of admitted options depends on state and carrier appetite. What information should I include in a submission?Provide a completed application, current loss runs (usually 3–5 years), revenue and payroll breakdown, details on alcohol sales and controls, description of kitchen equipment and suppression systems, and any prior risk-control measures. The underwriter can request additional items based on the account. Need help placing an account? Connect with a market specialist.

... You might have a regional bakery with centralized safety procedures an...

... mid-sized delis, sandwich shops, bakery-cafés, and similar food-service risks...