Cochrane & Company

Cochrane & Company Since 1960, we've worked with retail insurance agents with professional and timely underwriting services.

An HVAC installation. Months later, building occupants report headaches and breathing problems. Defense costs: $250K+. E...
06/11/2026

An HVAC installation. Months later, building occupants report headaches and breathing problems. Defense costs: $250K+. Environmental claims don't always stem from obvious pollution events — routine construction work can trigger serious liability exposure long after a project wraps. Does your contractors coverage account for that?

While many contractors assume their standard contractors insurance coverage will address these situations, policy limitations and exclusions can leave them exposed to significant defense costs and liability.

Most hospitality clients believe they already have the coverage they need. They carry general liability insurance, they ...
05/20/2026

Most hospitality clients believe they already have the coverage they need. They carry general liability insurance, they have never experienced a major incident, and they do not view their operation as particularly high risk.

From the broker’s perspective, they may also signal a changing liability profile and raise new questions about assault and battery insurance coverage.

Submissions involving sexual abuse and molestation exposure are appearing more frequently across the property and casual...
05/06/2026

Submissions involving sexual abuse and molestation exposure are appearing more frequently across the property and casualty insurance landscape, often surfacing as coverage gaps rather than clearly defined risks.

Brokers are encountering these exposures through renewals, new business submissions, and client questions around sexual abuse and molestation insurance,

You send a submission into the excess and surplus insurance market and wait. The account has complexity, but it is insur...
03/18/2026

You send a submission into the excess and surplus insurance market and wait. The account has complexity, but it is insurable with the right structure and market alignment. As days pass with little response, your client begins to ask for updates, and the deadline approaches. You assure them the submission is in review, even though you’re unsure of where the file stands or how underwriting may respond.

You send a submission into the excess and surplus insurance market and wait. The account has complexity, but it is insurable with the right structure and market alignment.

Renewals heading into 2026 no longer follow last year’s playbook. Standard carriers are re-triaging portfolios, reassess...
03/04/2026

Renewals heading into 2026 no longer follow last year’s playbook. Standard carriers are re-triaging portfolios, reassessing catastrophe aggregation, and narrowing underwriting guidelines in classes that previously cleared with minimal friction.

Many renewals now receive the same review as new business. That shift moves excess and surplus insurance earlier into the conversation.

The market for security guard business insurance continues to narrow as carriers exit the class or sharply limit partici...
02/17/2026

The market for security guard business insurance continues to narrow as carriers exit the class or sharply limit participation, reducing placement options across the board. Coverage demand remains steady, but placing security guard risks now requires a more deliberate approach.

The market for security guard business insurance continues to narrow as carriers exit the class or sharply limit participation,

Transportation risk management has long centered on trucking fleets. Underwriting frameworks, loss assumptions, and risk...
02/03/2026

Transportation risk management has long centered on trucking fleets. Underwriting frameworks, loss assumptions, and risk controls followed that model, even as business auto and public livery exposures grew more complex.

Transportation risk management has long centered on trucking fleets. Underwriting frameworks, loss assumptions, and risk controls followed that model, even as business auto and public livery exposures grew more complex.

Property underwriting remains cautious as the industry heads into 2026. Property and casualty insurance companies are ap...
01/20/2026

Property underwriting remains cautious as the industry heads into 2026. Property and casualty insurance companies are applying closer review standards to property risks as they navigate ongoing catastrophe losses, valuation uncertainty, and higher reinsurance costs.

Property underwriting remains cautious as the industry heads into 2026. Property and casualty insurance companies are applying closer review standards to property risks as they navigate ongoing catastrophe losses, valuation uncertainty, and higher reinsurance costs. These pressures have not eliminat...

Vacancy, partial occupancy, and lessor’s risk only (LRO) classifications influence apartment placements more than many o...
01/07/2026

Vacancy, partial occupancy, and lessor’s risk only (LRO) classifications influence apartment placements more than many owners realize. For brokers placing insurance for apartment owner risks, occupancy descriptions based on operational language rather than underwriting definitions often slow submissions and affect eligibility within an apartment insurance program. Underwriters evaluate vacancy using specific thresholds tied to tenant activity, duration, and use, not perception.

For brokers placing insurance for apartment owner risks, occupancy descriptions based on operational language rather than underwriting definitions often slow submissions and affect eligibility within an apartment insurance program.

Telematics offers transportation risk underwriters a clearer sense of how fleets operate in practice by making visible t...
12/17/2025

Telematics offers transportation risk underwriters a clearer sense of how fleets operate in practice by making visible the behavior and exposure patterns that influence real-world loss trends. Instead of relying solely on claims history, fleets can now present a more accurate, real-time picture of how they operate through current, verifiable data.

Telematics offers transportation risk underwriters a clearer sense of how fleets operate in practice by making visible the behavior and exposure patterns that influence real-world loss trends.

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1405 South Rustle Road
Spokane, WA
99224

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