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 is a digital small‑business MGA writing admitted small commercial in all 50 states via Spinnaker, Benchmark, and Clear Spring (FL), with automated eligibility and appetite checking through its Dashboard. PRODUCTS & GEOGRAPHY - Products: Stand‑alone General Liability (GL), Businessowners Policy (BOP), and Professional/Errors & Omissions liability for small businesses. - Territory: Available in all 50 states for GL and BOP; Professional Liability currently limited to specific states listed in the appetite guide (AL, AZ, DE, GA, ID, IN, IA, MI, MS, NJ, NM, NV, PA, TX, UT, WV, WI). Coastal restrictions apply to BOP; contracting classes are unavailable in New York. Florida business is written through Clear Spring P&C. GENERAL ELIGIBILITY PARAMETERS (GL/BOP/PL) - Small commercial focus with simple structures. - One location and one named insured per policy is standard. - Revenue: Up to $10M annual revenue (capped at $5M for contractors). - Employees: Up to 50 employees (15 for contractors). - Loss history: Generally no more than 2–3 claims in the past 5 years, with no single loss exceeding ~$15,000. - Risk profile: No prior carrier cancellations or non‑renewals for underwriting reasons and no bankruptcy. - Home‑based businesses are acceptable and specifically contemplated in guidelines. PREFERRED/CORE BUSINESS - Broad small‑business main‑street appetite with digital underwriting for more than 80% of small business classes. - Clean, low‑severity GL and BOP risks with simple operations, modest revenue/employee counts, and light to moderate hazard profiles. - Standard professional services classes in approved PL states (e.g., consultants, office‑based professionals) that fit small‑business parameters. - Single‑location, non‑complex premises exposures; straightforward ISO‑type GL exposures. RESTRICTED / DECLINED - Contracting classes in New York are out of appetite. - Certain coastal property/BOP risks are restricted due to coastal guidelines; producers should expect additional scrutiny or ineligibility for higher‑hazard coastal property. - More complex or higher‑hazard classes (heavy construction, high‑severity manufacturing, highly specialized or unusual risks) may fall outside digital appetite and will generally be declined by the automated rules. - Accounts exceeding revenue, employee, or loss‑history thresholds, or with prior cancellation/non‑renewal or bankruptcy, are generally out of appetite. SUBMISSION & UNDERWRITING PROCESS - Distribution is fully digital through the Coterie Dashboard as well as select partner platforms. - Appetite/eligibility is driven via NAICS‑based automated rules with a real‑time Digital Appetite Checker in the Dashboard. Agents should use the appetite checker first to confirm whether a class is in appetite before investing time in full quoting. - Quoting is designed to be quote‑to‑bind with minimal manual underwriting; most eligible risks receive instant decisions and can be bound and issued immediately, including instant COIs. - Underwriting information is largely sourced from public/third‑party data; agents must validate business name, address, operations, payroll/employee count, and revenue, and should ensure accurate NAICS/description of operations for proper appetite determination. - Manual underwriter referrals are limited; appetite, pricing, and eligibility are predominantly rule‑based. Expect limited flexibility outside published appetite rules. BROKER / PRODUCER NOTES - Coterie positions itself as having a broad small‑business appetite, but producers should strictly follow revenue/employee/loss‑history thresholds and geographic/class restrictions. - Agents and brokers are encouraged to rely on the Dashboard’s Digital Appetite Checker and current Appetite Guide PDF for class‑level appetite rather than assuming eligibility. - The appetite guide is a high‑level summary only and does not amend policy terms; final coverage is controlled by the issued policy forms and state availability. - Producer resources, including the latest appetite guide, top‑class lists, and help‑center content, are centralized on the Producer Resources section; agents should always reference the most recent version to confirm any changes in appetite or state availability.