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Coterie Insurance Review
Small-business insurance platform selling BOP, general liability and professional liability through agents, brokers and partner platforms
Quick verdict
Coterie Insurance is best for Small trades and service businesses that want a quick BOP or general liability policy through an agent or partner platform and will buy workers' comp and auto elsewhere. Quote speed: Instant bindable quotes, per Coterie, through an agent, broker or partner platform. Pricing: Quoted per business through an agent or partner; Coterie does not publish premiums. BOPs can be paid monthly or annually. Sold only through agents, brokers and partner platforms, with no workers' comp or commercial auto. Contractors are capped at 15 employees and $5 million in revenue for the BOP, and the insurers behind the policies are not named on its site.
About Coterie Insurance
Coterie Insurance is a small-business insurance platform that launched in 2018 and is now headquartered in Appleton, Wisconsin, operating as a fully digital, remote-friendly company. It is a licensed insurance agency rather than an insurer: Coterie says its policies are backed by licensed insurers and reinsurers, and it offers admitted products in all 50 states. Its products are a business owner's policy (BOP), general liability, professional liability, cyber, employment practices liability and workplace violence coverage.
Coterie's model runs through intermediaries. It works through insurance agents and brokers, digital partner platforms that embed its quotes through an API, and networks, aggregators and wholesalers, and it points business owners to a 'Find an Agent' tool. Coterie says it produces instant bindable quotes and has an appetite for more than 80% of small businesses.
For trades, the BOP combines general liability, commercial property and business interruption and can be paid monthly or annually. Contractors face tighter limits than other businesses: Coterie's BOP is open to contractors with up to 15 employees and $5 million in annual revenue, against 50 employees and $10 million for other small businesses. Coterie does not list workers' comp or commercial auto.
The trade-off: Coterie can get a small contractor a quick BOP or general liability policy through an agent or partner, but it covers only part of a trades business's needs, it does not name the insurers behind its policies on its site, and larger contractors fall outside its BOP limits. Ask your agent which insurer issues the policy and pair it with separate workers' comp and commercial auto.
How it works
You buy Coterie coverage through an insurance agent, broker or a partner platform that uses Coterie's API; Coterie's site sends business owners to its 'Find an Agent' tool. The agent or platform answers a short set of questions and gets what Coterie calls an instant bindable quote for a BOP, general liability, professional liability or other small-business lines. Policies are issued by the licensed insurers that back Coterie, and BOPs can be paid monthly or annually.
Pros & cons
What works
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Fast quotes through your agent
Coterie says it produces instant bindable quotes, so an agent or partner platform can quote and bind a BOP or general liability policy quickly.
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Core small-business lines
BOP, general liability, professional liability, cyber, employment practices liability and workplace violence coverage are available from one platform.
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BOP with business interruption
Coterie's BOP combines general liability, commercial property and business interruption, and can be paid monthly or annually.
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Admitted in all 50 states
Coterie says it offers admitted products in all 50 states, backed by licensed insurers and reinsurers.
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Wide small-business appetite
Coterie says its appetite covers more than 80% of small businesses, and contractors are eligible for its BOP within set size limits.
What doesn't
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Bought through an intermediary
Coterie sells through agents, brokers and partner platforms and sends business owners to an agent locator rather than offering a direct purchase.
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Tighter limits for contractors
The BOP is limited to contractors with 15 or fewer employees and $5 million or less in revenue, lower than the 50 employees and $10 million allowed for other businesses.
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No workers' comp or auto
Coterie does not list workers' comp or commercial auto, so a trades business needs another insurer for those lines.
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Insurer not named on its site
Coterie is an agency backed by licensed insurers but does not name them on its site; ask which insurer issues your policy.
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No published prices
Premiums are quoted per business through the agent or partner, so there is nothing to compare before you get a quote.
Coverage
- Insurance lines
- bopgeneral liabilityprofessional liabilitycyberemployment practices liability
- Geographic coverage
- Coterie says it has admitted products in all 50 states
- Premiums
- Quoted per business through an agent or partner; Coterie does not publish premiums. BOPs can be paid monthly or annually
- Quote speed
- Instant bindable quotes, per Coterie, through an agent, broker or partner platform
- Trade coverage
- HVACPlumbingElectricalLandscaping & Lawn CareCleaning ServicesHandyman ServicesPaintingFlooringPressure Washing & Window Cleaning
- Affiliate program
- Unknown. No public publisher affiliate program confirmed; outreach required (often distributed via agents/platforms).
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read Coterie Insurance's current reviews at the source.
Frequently asked
What is Coterie Insurance?
Coterie is a small-business insurance platform launched in 2018 and headquartered in Appleton, Wisconsin. It sells a BOP, general liability, professional liability, cyber and employment practices liability through agents, brokers and partner platforms, backed by licensed insurers and reinsurers.
Is Coterie good for contractors?
It can write a BOP or general liability for smaller contractors: the BOP is open to contractors with up to 15 employees and $5 million in revenue. Coterie does not list workers' comp or commercial auto, so you will need another insurer for those.
Does Coterie underwrite its own policies?
Coterie is a licensed insurance agency, not an insurer. It says its policies are backed by licensed insurers and reinsurers but does not name them on its site, so ask your agent which insurer issues your policy.
How do I buy Coterie coverage?
Through an insurance agent, broker or a partner platform that uses Coterie's API. Coterie's site sends business owners to its 'Find an Agent' tool rather than selling directly.
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