Coterie Insurance Appetite Guide

The digital transformation of small business insurance is here!

The Coterie Insurance difference:

  • The most inclusive appetite for the small business of today
  • 100% digital underwriting
  • Instantly quote & issue policies

Businesses we love to write:

BOPGLPLBusiness Type
Personal Services (Including Beauticians, Nail Salons, and Barber Shops)
Artisan/Trade Contractors – Residential & Commercial (Including Electrical, Masonry, Plumbing, HVAC, Painting)
Medical Offices (Includes Doctors, Dentists, and Chiropractors)
Professional Services (Including Accountants, Architects, Engineers, Insurance Agents, and Real Estate Agents)
Retail Stores (Including Home – Based Businesses and Internet Stores)
Business Consultants (Including HR, Marketing, Business Management, and Education)
Pet Services (Including Boarding, Grooming, and Veterinary Services)


BOPGLPLBusiness Type
Wholesalers and Distributors
Outpatient Mental Health Services
Testing Laboratories
Health Fitness (Including Gyms, Personal Trainers, Yoga/Pilates/Dance Instructors)
Freelance Businesses (Including Photographers, Designers, and IT Technicians)
Hobbyist Clubs and Organizations (including Women’s Auxiliaries, Fan/Booster Clubs, and Senior Citizen Association)
Trade, Art, and Business Schools


BOPGLPLBusiness Type
Restaurants and Bakeries (Including Catering)
Landscape and Janitorial Services
Funeral Homes and Mortuaries
Publishing and Printers
Property Management
Dry Cleaners

Where we deliver seamless quotes & coverages for business

Coterie provides Business Owners Policies (BOPs) and stand-alone General Liability (GL) in all 50 states. Professional Liability is currently available in select states

  • Coverage is written with Spinnaker Insurance Company [A.M. Best A- (EXCELLENT) Rating]. or with Benchmark Insurance Company [A.M. Best A (EXCELLENT) Rating].
  • Coverage in Florida is written with Clear Spring Property & Casualty Insurance Company with an A.M. Best A- (EXCELLENT) Rating.

*Coastal restrictions apply for BOP coverages
* Contracting classes unavailable in New York

Coterie is licensed to offer & sell:

General Liability

Business Owners

Professional Liability

Simplicity with our products means:

  • One location per policy
  • Annual revenue up to $10M ($5M for Contractors)
  • Up to 50 employees (15 for contractors)
  • No more than 2 losses or claims s/b (no single loss exceeding $15,000)
  • No prior cancellations, non-renewals or bankruptcy
  • Home – based businesses accepted

This article is intended to provide a general summary of Coterie’s products and services. The information contained in this article is for informational purposes only and does not in any way amend, alter, or extend any policy of insurance or guarantee any specific price, quote, or coverage. For a complete understanding of the coverage available, please consult the terms, conditions, definitions, and exclusions of your insurance policy. Please be advised that all products and coverages referenced herein may not be available in all states or to all customers. Please see Coterie’s Terms & Conditions and Privacy Policy for more information.

Download the Coterie Insurance Appetite Guide

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