Have a claim?
Reporting a claim is easy with Coterie.
Make sure you have:
- Policy Number
- Name of the person(s) insured with Coterie
- Date of the loss
- Description of the event
- Carrier name
Here’s what you need to report your claim
Important: Make sure to have your policy number, carrier name and details of the loss. You can find these on your policy documents.
After reporting your claim your dedicated claims team member will walk you through the process and tell you all about the next steps.
FAQs
Navigating the world of small commercial insurance claims can be tricky, and misconceptions often lead to frustration and dissatisfaction. Learn about common small business misconceptions.
Report the loss online. You can also call us at 855-680-2440.
Once we have your claim, you can expect to hear from Coterie within 3-5 business days. Your claims representative, also known as an adjuster, will be assigned to investigate your claim. An adjuster is a licensed and trained professional who is charged with evaluating the claim to determine settlement under the terms of the policy. Please allow us time to review your information. Be sure to check your email and phone for any messages we might have left about your claim.
Your adjuster will contact all involved parties, other insurance companies, witnesses and estimators. It may seem like a slow process, but your adjuster is working hard towards a full resolution on your claim. Your adjuster may have little to no update on your claim until a full investigation is complete.
Every claim is different so there is no standard time frame. However, we are committed to resolving each claim as quickly as possible.
Coterie Insurance investigates every claim including thoroughly reviewing coverage, determining facts, and analyzing the extent of the loss. The time this can take depends on the complexity of the claim.
You can help Coterie with your claim by being communicative and cooperative with us throughout the claims process.
Delays are most often caused by a lack of information needed to resolve the claim. This includes key people not responding to emails or not being available by phone.
It’s a good idea to add your adjuster’s phone and email information to your list of contacts so that you never miss important messages from them.
No, Coterie does not write workers’ compensation or automobile policies. Therefore, these claims should not be reported with Coterie as there will be no coverage under Coterie Insurance policies.
As a tenant, read your lease to understand what your responsibility is when it comes to a loss. The lease agreement will not match the policy with Coterie. Learn more about renting business space.
No, Coterie policies do not offer coverage for warranty work performed such as incomplete or unsatisfactory results. For example, an interior paint contractor using the wrong color on a client’s walls would not be covered by a Coterie policy.
You will still report your claim to Coterie by using our reporting methods outlined at the top of this page. Once the claim is reported with us, we work with our partner, Cyberscout, on the claim investigation.
First, report the claim to Coterie. In the unfortunate event of a workplace violent event, our specialty-trained partner who has experience with violent events will handle the claim and guide you through the recovery process.
Loss run report
Loss run reports demonstrate claims history during an insurance policy period and help insurance professionals evaluate risk.
Coterie Insurance state fraud warning language
It’s important that along with your Coterie Applications Inc. insurance policy to also review the applicable fraud warning.
Ongoing Support
Call for updates on existing claims, general claims questions, etc.
