As a freelancer, you probably get asked for a Certificate of Insurance all the time. But you’re likely wondering, “what is a business insurance certificate and why do I need it?” This article will tell you everything you need to know about Certificates of Insurance. What is a business insurance certificate? A Certificate of Insurance […]
What is Coinsurance and how does it affect my business property insurance?
If you’ve ever purchased a homeowners policy or commercial property policy, then you’ve likely had a policy that contained a coinsurance clause. But what exactly is “coinsurance” and how does it affect you? You likely already know that Business property insurance helps your business bounce back from disaster after a covered event, but it’s only […]
Grow Your Business with a Small Business Operating Framework
If you’re like most small business owners, not long after opening, you find yourself in the trenches working in the business. The nitty gritty day-to-day details, the tasks, the to-dos, the checklists. The never-ending fires you need to put out. Now much of this is particularly important work and it’s necessary and not to be […]
How Do Small Business Insurance Services Work?
Insurance is a method of sharing risk, in which each member of a group pays a small amount of money each month or year in return for protection from larger and unexpected financial perils. But how do small business insurance and in turn, business insurance services work? Small business insurance services are similar to other […]
Insurance 101: Understand Insurance for Small Businesses
Here at Coterie, we like to consider ourselves “insurance nerds”. In this blog, we dive into the basic concepts and history of insurance, with a focus on insurance for small businesses. Understanding how insurance works is crucial to making sure you can explain the ins and outs to your clients and prospects. A Brief History […]
4 Insurance FAQs for Freelancers in 2023
While being your own boss can be freeing, there are also plenty of challenges. As a freelancer, you must manage and maintain every aspect of your business, including insurance and financials. Business Insurance can be complicated, so we recommend working with an agent and educating yourself with these FAQs for freelancers. Do I need business […]
When Should You Review Your Commercial Insurance Policy?
Reviewing your commercial insurance policy is something you should do at a minimum once a year. However, you should also review it if you have any changes. Whether you have a business owner’s policy, a General Liability policy or a Professional Liability policy, take time to review your policy to ensure you’re well-equipped for the […]
When to Consider Damage to Premises Rented to You
If you rent the space in which you conduct your business, you’ll likely want to consider damage to premises rented to you coverage. This coverage protects the rented space in the case of a covered incident. What is damage to premises rented to you and what does it cover? Typically found in general liability policies, […]
Understanding the Cost of Business Insurance for Startups
Starting a business can be an exciting and rewarding endeavor, but it also comes with its fair share of risks. One important way to protect your business is by purchasing insurance, which can help cover the costs of unexpected events such as accidents, lawsuits, and natural disasters. However, business insurance can be expensive, especially for […]
Winter Weather Liabilities for Small Businesses
The winter months bring more than just cold weather and shorter days; they bring the possibility of winter storms that may result in snow- and ice-covered landscapes. While it may be a winter wonderland for some, snow and ice buildup means a hazard with the potential for costly winter weather liabilities. If you deal with […]
What You Need To Know About New York Small Business Insurance
If you’re looking for small business insurance coverage in New York, you may have questions. What types of small business insurance policies should you consider to protect your New York small business? How much coverage do you need? What impacts the cost of small business insurance in New York? You’ve got questions. And at Coterie Insurance, we’ve got answers. […]
Construction Insurance: Why It’s Important for Your Business
As you may already know, running a construction business can be extremely lucrative, but there are risks that come with this type of business. Construction contractors are prone to experiencing accidents on the job in ways that other occupations do not. If you’re serious about running your own construction company, it’s important that you understand […]
