Cochrane & Company
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Cochrane & Company presents itself as a wholesale general agent / broker with binding authority with multiple carriers and brokerage access for more complex accounts. For Garage, the verified appetite page shows a broad garage focus covering risks that sell automobiles and service operations engaged in repairing, towing, servicing, salvaging, and valet parking. Preferred/targeted garage classes specifically listed include non-admitted programs for ATV sales/repair, auctions, auto/boat/RV storage, bus sales/repair, heavy truck sales/service, lift kits, mobile mechanics, motorcycle sales/service, and used car dealerships. Admitted garage programs are specifically noted for Arizona and California only, and include auto maintenance & repair, auto paint & body shops, boat engine repair on land, detailers, emergency vehicle sales/repair, heavy truck dealer/repair, mobile auto repair, non-franchised auto dealers, RV & trailer dealers/repair, and valet trucking. Garage-related content also highlights solutions for repair shops, dealerships, body shops, towing operations, parking facilities, and other garage operations, with garagekeepers coverage emphasized where the insured has customer vehicles in care, custody, or control. Geographic note: Cochrane states it is licensed in all 50 states with a national footprint, but the only explicit admitted-state note found on the garage appetite page is AZ and CA; brokers should assume non-admitted placement for many other garage risks unless confirmed otherwise. No formal declined list was verified on the official pages reviewed; however, the published appetite is class-specific and indicates selective placement by admitted vs. non-admitted channel, so out-of-appetite or unsupported garage classes should be pre-cleared. For Professional Liability, Cochrane markets a broad wholesale appetite supported by multiple carriers. Verified top classes include architects & engineers, insurance agents, lawyers (including clean or distressed clients), consultants, public entity-related risks such as cities, towns, townships, boroughs, counties, special service districts, public corporations, and public officials, plus non-profits, privately held companies, LLCs, general partnerships, joint ventures, technology companies, biotech companies, and individuals serving on multiple boards or with large assets. Additional professional liability product types specifically listed are professional liability, EPLI, E&O, D&O for nonprofit and for-profit organizations, cyber, and crime. Submission/producer notes: Cochrane requires agency appointment to work with it as a producer. Appointment materials differ for California vs. non-California applicants, and signed forms are to be emailed or faxed. Minimum appointment expectations published by Cochrane include a standard credit/security report on agency principals, at least 3 years in business, and an established book of business with surplus lines experience. Their portal terms also state that all quote presentation, underwriting, rating, and binding-related acts are subject to Cochrane’s review and prior written approval unless separate written authority is granted. Practical broker guidance from Cochrane’s published submission content emphasizes complete, well-structured submissions aligned to carrier appetite and clear narratives for complex E&S business. Overall, the currently published guidance supports using Cochrane for small to mid-sized business as well as larger or more complex specialty accounts, especially garage and professional liability placements, with attention to admitted/non-admitted fit, class clarity, and complete underwriting information.