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 is a wholesale/general agent and E&S intermediary with binding authority and brokerage access to multiple carriers. They position themselves as a general agent of choice for small to mid-sized business as well as larger or more complex accounts across Property & Casualty, Commercial Transportation, Garage, Personal Lines, Professional Liability, Programs, and Surety/Bonds. Their website emphasizes broad underwriting facilities and a national footprint, licensed in all 50 states, but does not publish a detailed public appetite guide, line-by-line class lists, or formal underwriting manuals. Preferred / target business: - Small to mid-sized commercial accounts across standard P&C lines written via their underwriting facilities, plus the ability to place larger and more complex risks through brokerage markets. - E&S and non-standard placements, leveraging binding authority and a proprietary online consumer portal for quote, bind, and payment, indicating an operational focus on higher-friction risks that benefit from E&S distribution and technology-enabled processing. Restricted or declined classes: - No explicit restricted or declined classes are published on the public site. Appetite and eligibility are implied to be governed by line-specific underwriters and the carrier programs they represent. Retail agents should expect that unusual, high-hazard, or specialty risks will be subject to individual underwriting review, and that all quote, rating, and binding decisions are expressly subject to Cochrane & Company’s prior written approval as set out in the portal Terms of Use. Geographic notes: - Headquartered in Spokane, Washington with additional offices in Montana, California, Colorado, and Missouri. They state a national footprint and are licensed in all 50 states, so risks can generally be considered on a nationwide basis subject to carrier/program rules and state E&S requirements. Submission and producer/broker instructions: - Business is submitted and managed via Cochrane & Company’s proprietary online portal (accessed through their main site login). Access requires a producer agreement and portal registration; producers are independent contractors and are not authorized to bind Cochrane & Company or act on its behalf except as explicitly granted in writing. - All risks submitted are subject to review and prior written approval of Cochrane & Company; portal terms expressly state that quote presentment, underwriting, rating, and any acts related to binding coverage remain within Cochrane & Company’s authority. Retail agents must not represent quotes as bound or coverage as in force until written confirmation or policy documentation is issued. - Use of the portal requires maintaining confidentiality of login credentials and compliance with site security and privacy rules; non-public client information provided in submissions is kept confidential by Cochrane & Company per their terms. Operational takeaway: - Treat Cochrane & Company as a multi-line wholesale/E&S partner with broad, but not publicly itemized, appetite and full underwriting control. - Direct class- and program-specific appetite, rate, and form questions to the appropriate departmental underwriting team (Property & Casualty, Transportation, Garage, Personal, Professional, Programs, Surety/Bonds). - Ensure a current producer agreement and portal access are in place, submit risks through the portal or as directed by your assigned underwriter, and rely on written indications/binders from Cochrane & Company as the only evidence of coverage. Public-facing materials do not replace direct underwriting guidance.