Roger Hayek, owner of Hayek Insurance Agency, and Christopher Depalma, owner of two small businesses with multiple locations, are an agent-client powerhouse in California. In this week’s episode of, “And I Quote,” Roger and Christopher share their compelling story about how everyone—agent, business owner and community—benefits from quality relationships. “That’s the formula for success,” said […]
Five Reasons Independent Insurance Agents are Key to Small Business Success
Fire, weather, crime, negligence, bad luck—accidents come in every shape and size. Insurance carriers are fond of saying they protect you from such mayhem. In reality, small business insurance protects your financial investment, funding your ability to recover from a loss and get back to the business of running your business. No one knows more […]
Hear How Go Fund Your Life Agency Owner Drives Growth Through Impact
Tears, prayers, celebrations—insurance agents see and hear it all. This week on “And I Quote,” Nicole Simpson shares the strategies and steps she took to pour everything she’d seen and heard as an agent into her dream of coaching people in urban communities about financial safety and the importance of insurance. In 2016, Nicole founded […]
How Much Does Small Business Insurance Cost?
A record 5.2 million people took the leap into small business ownership last year. Like you, each one faced important questions, not only about their products or services, but about how they will manage their risk. Who needs insurance and what kind? Where can you find a policy that fits your needs? And how much […]
Introducing Coterie’s Podcast, “And I Quote”
Coterie Insurance has launched a podcast, “And I Quote”. We’re thrilled to share the first episode, introducing our hosts. The podcast explores the power that communication, connection, and commitment can have on independent agents. While the podcast has two hosts, they will take turns leading episodes, interviewing agents, small businesses, industry influencers, and more. The […]
Offer Your Small Business Customers the Comfort of a Blanket Additional Insured Endorsement
Small business owners may benefit from adding a Blanket Additional Insured form to their General Liability policy, if they have contractual obligations with third parties requesting additional insured status. When a Blanket Additional Insured endorsement is attached to a liability insurance policy, it grants insured status to the person or organization that the named insured […]
Subrogation Waivers: The Risky Business of Risk Transfer
Subrogation is a process that insurance carriers use to respond quickly when you, the policyholder, suffer damage caused by someone else. Through subrogation, your insurance carrier steps into your shoes, pays for your damages up front, and then seeks reimbursement of the claim costs from the at-fault party. Problems arise when small business owners sign […]
Why “We love Coterie”
We recently asked our team members to share their thoughts on LinkedIn about why they enjoy working at Coterie Insurance. We were blown away by the responses and wanted to share some of them here. “The passion that every team member brings to the day-to-day operation of Coterie is inspiring. This time last year, the collective […]
4 Tips for Smart Small Business Insurance Shopping
Running your own business includes a host of responsibilities from everything from operations to HR. It also means learning a lot along the way, including small business insurance shopping. When it comes to choosing the right insurance for your small business, it can be confusing to know where to start. To help you navigate purchasing […]
Employee or Independent Contractor? 10 Ways to Tell
It’s critical to know if someone you’re hiring would be considered an employee or an independent contractor. Why? This determines responsibility for medical bills or lost wages if they get injured on the job. This is also important when determining what type of insurance coverages you need, whether independent contractor insurance or another policy. Learn […]
Thinking about joining an insurtech? We have some advice
By Justin Suttmiler, VP of Innovation and eXpansion So, you’re thinking you might want to make a move in the insurance industry. Maybe you work for an incumbent and want to dip your toe into insurtech. Maybe you’ve never worked in insurance, but the insurtech space seems like a good move. If an insurtech move […]
Contractural Risk Transfer
Contractors often sign contracts all day long. But this risk transfer can significantly impact liability exposure to loss, increase risks and impact how your insurance policy is paid out in the event of a claim. Understanding total cost of risk, examining and managing risk exposures is one of the keys to the long-term success for […]
