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 published producer-facing appetite is a 2026 small-business appetite page supported by producer resources and appetite tools. The carrier states it is available in all states nationwide and emphasizes instant quote/bind for eligible small business risks through automated underwriting. Published preferred/featured classes currently include landscapers; retail, including appliance, electronics, variety, furniture and home furnishing stores; and restaurants/fast-food establishments. Its broader appetite materials also highlight retail, business/building support services, finance and insurance agents, portfolio management/investment advice, professional/scientific/technical services including architects and engineers, publishing/printers, construction and trade contractors including electrical, masonry, plumbing and HVAC, restaurants/caterers, outpatient healthcare, mental health services, commercial real estate owners/lessors, wholesale/distributors, personal services such as dry cleaning, nail, hair and barber, funeral homes/mortuaries, apartment owners and condominium associations, fitness/health, and landscape/janitorial. Current published non-appetite/declined operations listed on the 2026 appetite page are real estate & habitational, hotels & motels, auto repair, lessor’s risk only, and trucking & transportation. Coterie also notes some higher-risk industries may be referred or declined depending on NAICS classification, and its NAICS guidance specifically mentions casinos, tobacco wholesalers, automotive dealers, and manufacturing operations as examples that often trigger underwriting referral or decline. Geographic guidance: Coterie says it is available across the nation, but products/coverages may not be available in all states or to all customers; the appetite guide notes Florida business is written with a different carrier and that coastal restrictions apply for BOP coverages in Florida. Producer resources also reference active moratorium notices, including a Utah wildfire moratorium dated June 24, 2026 affecting new BOP business in certain counties, so agents should check current moratoriums before quoting property risks. Submission/underwriting expectations: Coterie relies heavily on accurate NAICS coding to determine instant eligibility, referral, or decline. Agents are instructed to use the digital appetite checker or dashboard tools before submitting; the platform can return a yes/no appetite decision in seconds and allows quoting from the dashboard. Eligible businesses may qualify for BOP, GL, and PL on an instant-bind basis. Broker/producer operating notes: agents can generate COIs, submit policy change requests, cancel policies, request loss runs, report claims, and in some cases make client payments directly through dashboard/self-service tools. Coterie highlights 100% digital underwriting and encourages checking appetite before entering full submission details. Coverage notes published on the appetite page include BOP as a recommended package for restaurants, with optional liquor liability, restaurant enhancement endorsement, equipment breakdown, and Silver/Gold/Platinum enhancement endorsements.