Coterie Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Coterie’s current producer-facing appetite materials show a national small-business focus with admitted BOP, GL, and Professional Liability products available in all 50 states. The carrier emphasizes fast, automated underwriting for small, new, and home-based businesses, with NAICS-based eligibility driving instant bind, underwriting referral, or decline outcomes. Current featured appetite examples highlighted on the official 2026 appetite page are landscapers, retail classes such as appliance/electronics/variety/furniture/home-furnishing stores, and restaurants/fast-food establishments. For restaurants, Coterie specifically recommends BOP packaging and notes optional add-on coverages including liquor liability, restaurant enhancement, and equipment breakdown. Producer guidance indicates agents should pre-screen risks using the digital appetite guide / appetite checker and use accurate six-digit NAICS coding based on the insured’s primary revenue-generating activity; misclassification can lead to referral, delayed approval, post-bind correction, or decline. Coterie states that eligible risks may receive instant bindable quotes, while out-of-appetite or higher-hazard risks are declined early and some classes may be referred. In its own NAICS appetite guidance, Coterie cites higher-risk examples that often trigger referral or decline, including casinos, tobacco wholesalers, automotive dealers, and manufacturing operations. Geographic guidance is broad national availability, but producers should check current moratoriums before binding property business: as of the published September 21, 2026 update, wildfire moratoriums affect new BOP business in portions of WA, CO, CA, OR, MT, NM, WY, and OK; in those areas no new BOP can be bound and requests to increase limits or lower deductibles on existing business are not accepted, while renewals may continue on expiring terms and conditions. Operationally, submission and service guidance favors dashboard use: agents can start quotes online, confirm appetite before submission, and should submit policy changes through the dashboard when they have login access for faster resolution. For manual policy change requests, Coterie requires the Agent of Record or Agency Owner email to proceed. Broker/producer notes: Coterie positions itself for quick quoting with minimal data entry, uses official producer resources and an agent help center for onboarding/support, and highlights a downloadable Top 100 classes resource for preferred business targeting.