Established in 2008, we aspired to one basic idea. Refocus risk into the most basic terms possible and incorporate what matters most: analysis, coverage and service. We continue to live and operate by these principals every day. In this dynamic economy, both business and personal aspirations deserve the best in risk guidance. Toto Group, LLC insurance made simple. Insurance Refocused.
“Highly focused, comprehensive coverage for multiple commercial and mixed-use properties throughout NJ all at cost-effective rates. This alone would be enough to get my business but Toto Group goes above and beyond with exceptional customer service: highly responsive, excellent communication and timely analysis.”
“Helped us save money on insurance for our residential apartment buildings. Very responsive.”
“Very responsive to any questions or issues I have. Would highly recommend. ”
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.
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 (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.
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.
At Coterie, we are putting relationships at the forefront of small business insurance.
If you have any questions, Contact Us Today!
