Cochrane & Company

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

A surety bond decline doesn’t always mean a contractor is unbondable. Different markets have different underwriting appe...
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.

Garage businesses handle customer vehicles every day — and damage can happen while those vehicles are in their care. For...
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.

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

Telematics is becoming a key factor in transportation insurance underwriting. As carriers place greater emphasis on flee...
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.

A couple purchases land and begins planning a custom residence. Instead of hiring a general contractor, they decide to m...
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.

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.

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1405 South Rustle Road
Spokane, WA
99224

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