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E.L.K. Insurance

Hello, I’m an experienced insurance broker with over 30 years of experience in all types of insurance. Including: Medicare plans & Health for Individuals/Families. Home, Auto, Umbrella, Life. Also, all areas of Commercial insurance: Group Employee Benefits, Liability, Property, Auto, E&O, Professional liability, Cyber, Employment Practice Liaiblity, and Workers Comp. As a trusted advisor in the industry, I’m committed to providing my clients with the best possible service and helping them find the right coverage for their needs. Contact me today to learn more or schedule an appointment. Thank you!


30025 Alicia Parkway
Laguna Niguel, California 92677

Office Hours

  • Monday 8am - 6pm
  • Tuesday 8am - 6pm
  • Wednesday 8am - 6pm
  • Thursday 8am - 6pm
  • Friday 8am - 6pm
  • Saturday 9am - 1pm
  • Sunday Sunday

Why our clients choose us

“Mr. Eric Kotowitz has been the company agent for the company group insurance for sometime now. He was chosen from a few vendors that the management team interviewed and deliberated after some presentations were made. We are one of the many very satisfied clients of Mr. Kotowitz and this is because he is always dependable, reliable and accessible. Our company has grown from a few individuals to a medium size company worthy of a headache of one benefits specialist person. Thanks to Mr. Kotowitz, health insurance didn't need to be part of that headache because he always has our backs. Hardworking. Efficient. Knowledgeable. We will always recommend Eric for any health insurance needs.”
“Eric has always been there for me and my business. He takes the time to explain thoroughly all of my questions and finds me the best insurance for me and my employees. Wouldn't work with anyone else!”
“Eric is the best! HE always returns your call and goes above and beyond in helping you with your insurance needs. He is very honest and is extremely knowledgeable in his field. We would highly recommend him!!”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
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Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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