GeneralAverage

Corgi vs Coterie Insurance: How Do They Compare for Business Insurance?

Corgi packages insurance for technology startups by funding stage; Coterie agents offer BOP, general liability and professional liability for small businesses.

Introduction to the Corgi vs Coterie Insurance Comparison

A funded software startup comparing investor requirements with office protection can compare Corgi’s funding-stage packages with Coterie’s agent-arranged BOP and liability. Choose Corgi if you are a technology startup buying around funding stage; choose Coterie if you need common small-business coverage. 2 1 28 30 24

Buyer Takeaways for Corgi vs Coterie Insurance

Corgi Buyer Takeaways

  • Startup packages scale from pre-seed to growth, with a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.
  • Use Corgi’s dashboard to adjust coverage as your company grows. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Coterie Insurance Buyer Takeaways

  • Agents can prepare and bind eligible small-business quotes from prefilled information in one dashboard. 27,28,24Company-reported. Company-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.
  • Manage documents, certificates, policy changes and claim reports online, with agent help for coverage questions. 32,30Company-reported. Public policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.

Corgi vs Coterie Insurance Coverage Lines Compared

CoverageCorgiCoterie Insurance
Business owner’s policyListed 2Corgi lists a business owner’s policy in its coverage catalog.Listed 24,35Coterie offers a business owner’s policy through its agent channel.
Cargo and transitListed 2Corgi lists a cargo contractual liability product in its transportation offering.Not listed
Commercial autoListed 2Corgi links to trucking auto-liability coverage from its transportation menu.Not listed
CrimeListed 2Corgi lists crime insurance among its main policies.Not listed
Cyber liabilityListed 2Corgi lists cyber insurance among its business insurance offerings.Not listed
Directors and officersListed 2Corgi lists directors and officers insurance among its business insurance offerings.Not listed
Employment practices liabilityListed 2Corgi lists employment practices liability among its business-insurance offerings.Not listed
Fiduciary liabilityListed 2Corgi lists fiduciary liability in its coverage catalog and package options.Not listed
General liabilityListed 2Corgi lists commercial general liability among its business insurance offerings.Listed 24,25Coterie offers general liability policies for small businesses through its partner distribution.
Hired and non-owned autoListed 2Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.Not listed
Kidnap and ransomListed 2Corgi lists kidnap and ransom among its specialized business-insurance offerings.Not listed
Liquor liabilityListed Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.Not listed
Media liabilityListed 2Corgi lists media liability insurance among its coverage offerings.Not listed
Medical malpracticeListed 2Corgi markets medical malpractice insurance for health care professionals and organizations.Not listed
Professional errors and omissions (E&O)Listed 2Corgi lists miscellaneous errors and omissions coverage for service-based businesses.Listed 24,36Coterie lists miscellaneous professional liability for eligible small businesses in participating states.
Representations and warrantiesListed 2Corgi lists representations and warranties insurance for M&A buyers and sellers.Not listed
Technology errors and omissions (E&O)Listed 2Corgi lists technology errors and omissions insurance for technology products and services.Not listed
Umbrella and excess liabilityListed 2Corgi lists commercial umbrella liability insurance.Not listed
Workers’ compensationListed 2Corgi lists workers’ compensation insurance.Not listed

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Corgi vs Coterie Insurance Research by Coverage Line

Open what Corgi and Coterie Insurance each document for one coverage line.

Current Reliability Scores for Corgi and Coterie Insurance

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Corgi Reliability Scores

Hybrid provider

Broker

No Reliability Score

Carrier & MGA

No Reliability Score

Provider assessment

Coterie Insurance Reliability Scores

Managing general agent

Carrier & MGA

5.1/ 10

Provider assessment

Corgi and Coterie Insurance Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Corgi Review Score

-/ 10

Review Score

No reviews found

The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.

Read Corgi reviews

Coterie Insurance Review Score

7.0/ 10

Review Score

2 rated sources

Coterie’s BBB complaint record is a concern; its single Trustpilot review is too small a sample to offset that. Ask how complaints and service problems are resolved.

Read Coterie Insurance reviews

Key Differences Between Corgi and Coterie Insurance

Office, Professional Work and Board Coverage

Coterie’s business owner’s policy, or BOP, combines property and general liability. That makes the office’s equipment and premises a concrete starting point. Its miscellaneous professional liability policy addresses eligible service professions separately. Corgi’s startup packages put technology errors and omissions, cyber and directors and officers liability alongside general liability. Those labels describe different problems, so a BOP quote and a startup-package quote should not be compared simply by their totals. 24 2

For the consultancy, ask each provider to describe the insured work: advising a client, writing software, hosting it and operating an AI feature are not necessarily treated identically by a professional-liability form. Corgi specifically markets a Tech & AI Liability module. Coterie’s professional-liability guide specifies eligible professions and restrictions. Neither a technology label nor a familiar job title establishes that the proposed contract covers every activity. 8 36

A new investor’s board requirement creates another distinct task. Corgi publishes a D&O form summary that can anchor a discussion of directors, officers and company protection. Coterie’s three core products do not themselves establish D&O coverage; ask the agent handling the BOP how that separate requirement will be placed. This does not establish that the agent has only Coterie available. 5 24

Coterie also markets optional cyber and employment-practices endorsements. An endorsement changes a base policy; it is not automatically equivalent to a separate cyber or employment-practices placement within a larger program. Ask how its limits, covered events and reporting provisions compare with the proposed Corgi coverage. Coterie expressly says it does not write workers’ compensation or automobile policies, making the agent’s arrangements outside this program relevant if the consultancy starts hiring or acquires a vehicle. 34 33 2

Buying Paths and Application Details

Corgi provides a founder-facing online route and a call with a specialist. Coterie’s agent starts with the business name and address, checks prefilled information and selects the principal industry before customizing the quote. If the consultancy is moving into a software product, that change needs to be explained before either workflow classifies the business. Speed of data entry does not fix an inaccurate description. 2 28

Coterie’s agent distribution can fit a business that wants its existing advisor to coordinate the premises policy and other placements. Corgi’s direct route can fit a team that wants to start the startup-package discussion itself. These are access differences, not evidence that one provides better advice. Both advertise short quote timelines subject to eligibility; obtain written confirmation of the effective coverage before promising a landlord or investor that insurance is in place. 28 30 2 1

Additional Locations and Policy Changes

Coterie’s policyholder FAQ says each operating location needs its own policy. If the consultancy later opens a second office, ask the agent about additional policy administration, billing and certificates before signing the lease. Corgi describes dashboard upgrades as funding, hiring and contracts change, but that description does not establish a particular multi-location policy structure. Request a location schedule from Corgi and a proposed policy-by-location schedule from Coterie’s agent. 32 2

The tools used to buy coverage are not the same as the tools used after purchase. Coterie provides My Policy Center and online service requests while directing coverage questions to the agent; business owners do not get the agent dashboard. Corgi describes a customer dashboard for adding or upgrading coverage. In either case, someone needs to approve the actual policy change. A service request or a newly generated certificate is not the change itself. 32 2 1

Fees, Issuing Insurers and Claims Contacts

Coterie’s costs can include policy and installment fees and a separate Manage My Risk Program fee. Participation in that program, or an accepted outside program, affects premium. Ask for the total with each available option and what remains nonrefundable if the business moves or replaces coverage midterm. Corgi discloses possible producer commissions or fees and provides startup-stage price ranges, which are budgeting examples rather than a matched quote. Neither set of disclosures establishes the cheaper arrangement for this consultancy. 30 1 2

For contract compliance, identify the insurer separately from the platform. Corgi’s D&O example identifies Technology Risk Retention Group; its disclosures also describe alternative admitted placements for eligible risks. Coterie’s terms assign issuance to carrier partners. A landlord’s admitted-insurer requirement or an investor’s rating requirement needs to be checked against the actual insurer and product, not either agency’s name. 5 1 30

If the proposed insurer is Technology Risk Retention Group, Corgi says it has no AM Best rating, and its policies have no state insurance guaranty-fund protection. Those qualifications apply to the risk retention group (RRG) placement, not every Corgi policy. Corgi’s stated eligible admitted or partner-carrier alternatives need their own insurer, rating and state checks. 1 20

The same separation matters after a loss. Corgi describes affiliated or third-party claims administration with the insurer responsible for coverage decisions and payment. Coterie provides claim intake and specialty-response routes, but its policyholder and claims pages give different initial-response windows. Establish the notice route and emergency contact for each policy; these service descriptions do not support a ranking of claims outcomes. 1 33 32

What Should You Confirm in Corgi and Coterie Insurance Quotes?

  • A coverage map for the business plan: office property, consulting, software and AI services, board requirements and planned hiring, showing which policy or endorsement addresses each item. 2 8 24
  • The professional-liability and D&O proposals: covered activities, insurer, exclusions, prior-work treatment and claim-reporting requirements. Ask Coterie’s agent which requirements need a placement outside Coterie. 5 36
  • A growth and location plan: how a second office is insured, which policy changes require replacement documents and who approves changes after a funding round. 32 2
  • An itemized annual and cancellation cost: include Coterie’s risk-program alternatives and all applicable producer, policy and payment charges from both proposals. 30 1
  • Written binding and claim instructions: effective dates, named insurers, any contract-required insurer status and the person responsible for each claim notice. 30 33 1

Corgi vs Coterie Insurance Services Compared

What each provider documents about the services you may need

CriteriaCorgiCoterie Insurance
Customer focus

Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.

Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. 9Company-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.

New, home-based and other small or micro businesses can request Coterie quotes if their industry, location and risk meet underwriting appetite. 23,27,28Company-reported. Company-described customer focus; no claim that every small business is eligible.

Coverage lines

Startup packages can combine general liability, D&O, Tech E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto; Corgi also offers a Tech & AI Liability module. 2,8,10Company-reported. Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.

If you need D&O, Corgi’s example shows claims-made protection for directors, officers and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example puts defense costs inside the limit and has a $25,000 per-claim retention; your policy controls. 5Company-reported. Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.

A package that includes property needs another insurer if its liability policy uses a risk retention group, because such groups can write business liability but not property coverage. 19,21Verified. Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.

Small businesses can compare a BOP, standalone general liability or miscellaneous professional liability; a BOP combines liability and property while the other lines are separate. 24,26,25,36Company-reported. Current direct product pages and December 2025 product guides reviewed; optional endorsements are recorded separately rather than treated as standalone lines.

Coterie’s BOP guide lists up to $10 million revenue and 50 employees, reduced to $5 million and 15 for contractors, plus property limits up to $1 million for buildings and $500,000 for business property. State, industry and quote affect availability and limits. 35,30Company-reported. December 2025 agent brochure; marketing summary, not policy wording or an eligibility guarantee.

You can add some optional protections, including cyber, workplace violence, EPL, restaurant and liquor, contractors equipment, hired/non-owned auto liability, equipment breakdown and drone liability; these are endorsements, not separate standalone policies. 34,35,37,38Company-reported. April 2026 endorsement directory and December 2025 BOP guide; selection depends on base product, business class, state and underwriting.

Service firms considering Coterie MPL should check the claims-made reporting window: the guide includes a 60-day extended reporting period and offers longer periods for purchase, while retroactive coverage and limits depend on terms and eligibility. 36,30Company-reported. December 2025 MPL guide; an actual proposal and policy control coverage.

If you need workers’ compensation or commercial auto, look elsewhere: Coterie says it does not write those policies. Its hired/non-owned auto endorsement is liability protection, not physical-damage auto insurance. 33,35Company-reported. Current claims FAQ and BOP guide; does not address products another agent or partner may place outside Coterie.

Application process

You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. 2,1Company-reported. Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.

A licensed agent starts a quote in Coterie's dashboard with the client's business name and address, selects the principal industry, confirms or edits prefilled details, customizes coverage and pays to bind an eligible policy. Business owners who do not already have an agent can use Coterie's agent finder. 27,28,24Company-reported. Company-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.

Eligible standard risks may get a quote in under two minutes, according to Coterie, but a quote is not coverage until eligibility is confirmed, underwriting approves it and the policy is issued. 28,30Company-reported. Marketing speed statement and controlling website terms; no independent timing test was performed.

Fees and compensation

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. 1Company-reported. Producer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.

Corgi gives annual price examples of $2,000–$5,000 for eligible pre-seed/seed startups and $5,000–$15,000 for Series A; your quote depends on risk, state, coverage and limits. 2,6,7Company-reported. Company-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.

Include Coterie’s fees in your total-cost comparison: terms list a variable one-time new/renewal policy fee, $7 installment fee, up to $10 late fee and up to $35 insufficient-funds fee; amounts vary by state and line and some are nonrefundable. 30Company-reported. Website fee terms effective December 16, 2025; not every fee applies to every policy or state.

Ask whether a Coterie policy includes a Manage My Risk Program fee; it is earned when paid and nonrefundable after midterm cancellation, but its amount is not published. 30Company-reported. Manage My Risk Program terms effective December 16, 2025; applicability and the quoted fee require account-specific disclosure.

Ask whether your agent receives commission or other compensation because Coterie says it may pay commissions through a third-party processor; public sources do not state the rate for your policy. 31,30Company-reported. Public privacy and platform terms; no producer agreement or account-specific compensation disclosure was reviewed.

Servicing and renewals

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Policyholders can manage documents, certificates, policy changes and claim reports online; use your agent or broker for coverage questions. Coterie also provides sample forms to help you review proposed terms. 32,30Company-reported. Public policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.

Businesses with multiple locations should ask about separate policies because Coterie’s FAQ says each location needs its own policy. 32Company-reported. General policyholder FAQ as of September 15, 2026; confirm how mailing, temporary, project and additional locations are treated in the proposed form.

Set renewal preferences before the next term: most Coterie policies are 12 months and may renew automatically, with charges using the saved payment method unless the policy says otherwise. 30Company-reported. Website terms effective December 16, 2025; the proposed policy, renewal notice and applicable state law control.

Sources for Corgi vs Coterie Insurance

Corgi Official Website

  1. Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; Corgi Insurance Services, Inc. state-by-state producer license table. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Accessed 2026-09-15.
  17. NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
  18. Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

Coterie Insurance Official Website

  1. About Coterie Insurance. Coterie Insurance; Agent and broker focus; company history; investors; agency name, NPN and Wisconsin license in footer. Accessed 2026-09-15.
  2. Insurance for Small Businesses. Coterie Insurance; General Liability, Business Owners Policies and Professional Liability sections: About business owners policies (BOP), About general liability (GL) policies (offered through partners), About professional liability (MPL) policies; Find an Agent; agent distribution; footer agency disclosure. Accessed 2026-09-16.
  3. General Liability Insurance for Small Business. Coterie Insurance; General liability product page: How General Liability Insurance Works; Common Questions, including standalone or BOP; Find an Agent. Accessed 2026-09-16.
  4. Business Owner's Policy for Small Businesses. Coterie Insurance; Package components and exclusions from the typical BOP description. Accessed 2026-09-15.
  5. Agents and Business Insurance Brokers. Coterie Insurance; How It Works steps; nationwide product statement; dashboard service statement. Accessed 2026-09-15.
  6. Instant Bindable Small Business Insurance Quotes for Agents. Coterie Insurance; Built for Agents and Brokers; online workflow; core lines; endorsements; availability sections. Accessed 2026-09-15.
  7. Quick Start: Quote and Bind Small Business Insurance With Coterie. Coterie Insurance; Five-Step Quote-to-Bind Workflow and Does Coterie Work in All 50 States sections. Accessed 2026-09-15.
  8. Terms and Conditions. Coterie Insurance; Effective December 16, 2025; Sections 1, 5, 6 and 10. Accessed 2026-09-15.
  9. Privacy Policy. Coterie Insurance; Introduction; Section 6, Payment and Commissions Processing; carrier privacy links. Accessed 2026-09-15.
  10. Policyholder Resources. Coterie Insurance; Account, policy-change, certificate, claims, multiple-location and sample-policy sections. Accessed 2026-09-15.
  11. Claims. Coterie Insurance; Reporting routes; response timing; settlement timing; excluded workers' compensation and auto claims; cyber and workplace-violence FAQs. Accessed 2026-09-15.
  12. Coterie Insurance Endorsements. Coterie Insurance; Cyber, Workplace Violence, Employment Practices, Restaurant, Liquor Liability and Contractors Equipment list; product caveat. Accessed 2026-09-15.
  13. BOP Product Overview. Coterie Insurance; Pages 1–5: Business Owners Policy Product Highlights for Agents and Brokers; eligibility criteria, base property and liability coverages, additional extensions and mandatory forms. Accessed 2026-09-16.
  14. Miscellaneous Professional Liability Policy Overview and Product Highlights. Coterie Insurance; Pages 1–7: purpose, eligible professions and operations, unavailable jurisdictions and state availability, limits, claims-made terms and exclusions. Accessed 2026-09-16.
  15. Cyber Insurance Overview. Coterie Insurance; Pages 1-2: coverage, criteria, limits and Cyberscout services. Accessed 2026-09-15.
  16. Workplace Violence Insurance Overview. Coterie Insurance; Pages 1-2: endorsement status, criteria, services and limits. Accessed 2026-09-15.
  17. Coterie's Coastal Business Insurance Appetite. Coterie Insurance; September 11, 2026 state-by-state coastal BOP eligibility, limits, exclusions and Texas carrier statement. Accessed 2026-09-15.
  18. Current Moratoriums. Coterie Insurance; Active BOP catastrophe moratoriums, updated September 2-4, 2026; effect on new business and changes. Accessed 2026-09-15.
  19. Allianz X Announces Strategic Investment in Coterie Insurance. Coterie Insurance and Allianz X; September 11, 2025 announcement; MGA role; Series C investment and reinsurance relationship. Accessed 2026-09-15.
  20. Allianz X Portfolio and News. Allianz X; Current Direct Investments and September 11, 2025 Coterie strategic-investment entry. Accessed 2026-09-15.
  21. Coterie BOP and GL Products Available Through Progressive. Coterie Insurance; November 20, 2025 agency relationship and Progressive BusinessQuote Explorer distribution scope. Accessed 2026-09-15.
  22. Coterie Insurance Agency, LLC Entity Record. Florida Department of State, Division of Corporations; Active foreign LLC record; January 6, 2026 annual report; Coterie Applications, Inc. listed as member. Accessed 2026-09-15.
  23. Licensed Property and Casualty Agencies. Massachusetts Division of Insurance; Coterie Insurance Agency, LLC; license 19000811; approval period December 28, 2025 through December 28, 2026. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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