Companies can build up a substantial collection of records over their years in operation. While nobody wants to be stuck holding onto documents that have outlived their usefulness, throwing away a document only to find out later that you need it can be a costly mistake. Insurance paperwork is particularly problematic—many businesses are unsure of […]

Shopping for small business insurance can be confusing, tedious, and time-consuming, particularly for new businesses that are not familiar with insurance terminology. The needs and risks of businesses vary much more than personal lines insurance products. In conjunction with our partner, WorkCompOne, we’re sharing the most common small business insurance mistakes. Efforts to cut time […]

You just started your new business venture. You’ve thought of everything…but have you thought about what could go wrong and cost you your livelihood?  As a start-up ourselves, we understand what start-ups need to stay covered. We’ve experienced first-hand how complicated getting insurance is, and knew there had to be a better way.  Insurance is not something to put off as you grow your new […]

It’s not abnormal for businesses to experience property loss. Whether small or large, loss will most likely happen at some point in the lifetime of a business. As most businesses have some type of property that is used in the operation of the business, how do you determine the type of business property and its […]

Imagine pouring your passion, energy, time, and finances into getting your small business off the ground, only to experience an extreme and detrimental disaster, completely out of your control. According to the Federal Emergency Management Agency (FEM), 40% of businesses never reopen after a disaster. Implementing steps to prepare for and respond to disasters can […]

Risk exists everywhere in business. As a small business owner, risk is everywhere. One of the biggest mistakes that companies make is assuming that the cost of risk only involves their insurance premiums paid, retained losses and administrative costs. However, the total cost of risk encompasses much more than that. While a risk management program […]

Since the pandemic started, the creation of small businesses has been at an all-time high in the United States. Whether due to losing jobs during the pandemic, or meeting new and rising consumer demands, more and more Americans are taking a chance on entrepreneurship.   In fact, according to Salesforce, many economists say that the combination of new technology, staying […]

The start of a new year is a great time to reevaluate your insurance policies to avoid expensive surprises in the future with an insurance checklist. Take some time to speak with your agent to review your policies to make sure you are properly covered. Even if you haven’t experienced a major change, you could be eligible for discounts or […]

On any given day, criminal activity and natural disasters are a danger that can strike at any time. To prepare for the unexpected, you should review your security and disaster response readiness plans to help you minimize the impact of any potentially threatening situation. Without prior planning, you leave your company open to financial disaster, […]

Winter weather is unpredictable and can have a large impact on your business. While maintaining business operations is always at the forefront of your mind, it is important to consider employee safety as well. You should have policies and procedures in place before bad weather hits so that your company and employees are as prepared […]

With the recent devastating tornadoes that tore through Arkansas, Tennesee, Missouri, Illinois, and Kentucky, Coterie Insurance is dedicated to helping our agents, brokers, small business insureds, and team members impacted by the disaster. Natural or man-made disasters can cause a continued disruption to everyday life long after the event itself has passed. In the aftermath […]

Your livelihood is dependent on the survival of your business, so it’s critical that you protect it against any potential threat—big or small. For instance, a fire could destroy your business’s warehouse and the contents inside, or a burst frozen pipe could damage important documents and valuable papers. Worse, you could have trouble paying your employees during a […]