Cochrane & Company

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Spokane, WA
Cochrane & Company

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

10/27/2026

Rising foreclosure activity is creating new business opportunities for insurance brokers. As property preservation contractors take on more inspections, maintenance, and securing of distressed properties, their expanding responsibilities may require specialized insurance coverage.

Contractors taking on additional assignments, expanding their services, or assuming new contractual responsibilities may develop coverage needs that warrant specialized property preservation contractor insurance.

10/14/2026

A standard-market decline doesn’t mean losing a convenience store account. For hard-to-place convenience store insurance, E&S markets offer alternatives for challenging locations, extended hours, and complex operations. Retail brokers with access to these markets can secure business that competitors may struggle to place.

For hard-to-place convenience store insurance, excess and surplus (E&S) insurance markets offer placement opportunities beyond traditional carrier appetite.

09/29/2026

A certificate of insurance alone does not confirm that a subcontractor meets a GC’s subcontractor insurance requirements. Agents should review contract terms, policy limits, and any required additional insured endorsements before underwriting.

A certificate of insurance does not satisfy a general contractor's subcontractor insurance requirements. A COI summarizes the insurance

09/17/2026

Contractors may take on professional liability risks through recommendations, design input, and value engineering. Contractors E&O insurance can help address exposures that may fall outside general liability coverage.

08/27/2026

A surety bond decline doesn’t always mean a contractor is unbondable. Different markets have different underwriting appetites, and a wholesale surety broker can help agents explore other options and identify a potential path forward.

They tried to get the required surety bond somewhere else but were declined, so they assumed the opportunity was off the table.

08/18/2026

Garage businesses handle customer vehicles every day — and damage can happen while those vehicles are in their care. For brokers, helping clients choose the right garagekeepers coverage is key. Understanding the different coverage forms can help protect businesses, address claims, and manage customer expectations.

As brokers placing a garage insurance program, helping clients select the appropriate garagekeepers coverage is an important part of protecting their businesses and managing customer expectations.

07/22/2026

The right wholesale partner can help independent agencies expand into new markets and place complex risks with confidence.

Access to excess and surplus insurance companies and specialty insurance programs makes those opportunities possible.

07/16/2026

Telematics is becoming a key factor in transportation insurance underwriting. As carriers place greater emphasis on fleet performance and risk management, agencies that offer telematics alongside a transportation insurance program can deliver added value beyond coverage.

As transportation insurance program underwriting continues to evolve, telematics has become an increasingly important part of how carriers evaluate fleet performance, monitor risk, and recognize active risk management.

06/25/2026

A couple purchases land and begins planning a custom residence. Instead of hiring a general contractor, they decide to manage the project themselves. They coordinate subcontractors, oversee permits, manage schedules, and assume responsibility for keeping construction on track. When the submission reaches a broker, the reaction is often immediate: Is this account insurable?

Brokers might assume that a homeowner acting as their own general contractor falls outside available markets or does not qualify for traditional contractors insurance coverage.

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.

Address

1405 South Rustle Road
Spokane, WA
99224

Website

https://marketing.cochraneco.com/

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