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
Verified current public guidance is marketing-level appetite and producer appointment content rather than a detailed underwriting manual. Garage: Cochrane positions itself as a broad garage market for risks that sell automobiles and for service operations involving repairing, towing, servicing, salvaging, valet parking, and related exposures. Publicly listed target classes include non-admitted appetite 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. Publicly listed admitted programs are specifically noted for Arizona and California 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. Geography notes: Cochrane states it is licensed in all 50 states with a national footprint, but the only explicit admitted-state note on the garage page is AZ and CA for admitted garage programs; otherwise expect E&S/brokered placement depending on class and state. Professional Liability: Cochrane markets broad access across professional liability, EPLI, E&O, D&O for nonprofit and for-profit organizations, cyber, and crime. Publicly highlighted classes include architects & engineers, insurance agents, lawyers including clean or distressed clients, consultants, public entities such as cities/towns/counties and special service districts, LLCs, public corporations and public officials, nonprofits, general partnerships, individuals serving on multiple boards or with large assets, joint ventures, privately held companies, technology companies, biotech companies, financial institutions, and companies involved with IPOs or reverse mergers. Restricted/declined classes are not expressly published on the verified public pages; however, Cochrane notes market tightening and class restrictions especially in legal E&O and hard-market pressure in D&O and EPLI, so risks in those segments may receive closer underwriting scrutiny. Submission and producer notes: each agency partner is assigned a dedicated underwriting team; Cochrane emphasizes binding authority with multiple carriers plus brokerage access for more complex accounts. Public appointment instructions require completion of a CA or non-CA appointment application, then submission by email or fax to 1.800.377.8863. Appointment minimums published on the official site: standard credit/security report on principals must meet minimum standards, agency should have at least 3 years in business, and should have an established book plus surplus lines experience. Appointment review can take up to one week after all documents are received. Broker authority note: portal terms state all quote presentation, underwriting, rating, and binding-related acts are subject to Cochrane's prior written approval unless separate written authority is granted, so producers should not assume binding authority from marketing materials alone.