Coterie Insurance simplifies the process of quoting and issuing insurance. Using just a business’s industry and address, you can find out if a business is in appetite and and get a quote in just a few minutes. You can easily access policy documents and certificates within the platform - any time!

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100% digital underwriting so you can instantly quote and issue business - no app required, which means no trailing documents to supply before or after binding. Coterie Insurance also does not currently require loss runs, audits, signatures, or inspections.

Easy quoting process

Get policy documents and certificates as soon as the policy is issued. If blanket additional insured is purchased, the agent can start issuing certificates as soon as possible.

Immediate access

Self service

Policyholders can manage their own certificates or make policy changes online.

Key value propositions

Products offered: General Liability, Business Owner Policy, & Professional Liability

Sweet spot

Home-based businesses, gig workers, micro-small businesses

Annual revenues up to $10M; $5M for contractors

No more than 50 employees; 15 for contractors

No more than 2 claims in a 5-year period and no single loss exceeding $15,000

Home-based business accepted (for example artisan contractors, landscapers, clerical/professional services)

Underwriting

BOP – building limit up to $1M and BPP up to $500K
GL – Each Occurrence up to $2M, Gen & Prod Agg limits – 2x Occurrence
PL – max revenue - $6M, Per Occurrence Limits - $1M, Aggregate Limits up to $3M

Coverages

Standard; industry level

Customizable inside the quote and updates in real time

Deductibles

State availability

Appointment process

~8 days

Appointment requested

Files review and submission

Appointment review

~5 days

~2 days

Appointment email

~1 days

Integrations

Appointment status

Commission statements

Agentero integrations

More info

Financial Strength Rating

Benchmark; AM Best Rating of A AClearspring; AM Best Rating of A-Spinnaker; AM Best Rating of A-

Claims handling

Coterie Insurance takes all first notice of loss on our site: https://coterieinsurance.com/claims/

Chat with us on our site! Coterie’s support team is available Mon-Fri 8-8 EST (with some holiday closures)

Email support@coterieinsurance.com - our CA team endeavors to have all tickets closed in under 4 hours

Call 855-566-1011

Servicing details

Additional resources

Producer resources page

Policy change form

Insurance Appetite

Quoting Demo