Coterie Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Coterie Insurance Company Score
3 Stars
We award Coterie Insurance a final rating of 3 out of 5 stars. The carrier has not been individually rated by AM Best but partners with "A"-rated companies. The carrier's Better Business Bureau rating is lower than many other companies.
Coterie was founded in 2018 with the belief that insurance should be simple, fast, and affordable. The company’s founders set out to simplify commercial insurance, using digital tools to reinvigorate the industry. Coterie is based in Cincinnati, Ohio, and markets business insurance policies primarily for small to medium-sized businesses. It is currently licensed in all 50 states, although its product offerings vary by state.
Coterie is backed by investors and insurers, including The Hartford, Western & Southern Financial Group, Allos, and RPM Ventures. The insurance company markets its products through independent insurance agents and brokers. Alternatively, business owners can use the company’s unique platform to get a quote or purchase a policy instantly.
Coterie is a young company with limited customer feedback. The company is in its infancy and will likely experience an extensive growth period. All in all, if you’re looking for simple, fast, and easy business insurance, Coterie Insurance may be a good fit for you. However, we recommend looking into some other options with the help of your independent insurance agent first.
Coterie Insurance Company Pros and Cons:
| Pros: | Cons: | ||||
|---|---|---|---|---|---|
|
|
||||
|
|
||||
|
|
||||
|
|
||||
|
To find insurance in your state, use our national insurance company directory to find the best company to meet your needs. You can locate insurance companies that specialize in your specific coverage needs and get connected to an agent near you.
Coterie Insurance Products by Type
Coterie specializes in small business insurance. The carrier sells the following products:
Business Insurance:
- Cyber insurance
- Workplace violence insurance
Coterie Insurance General Liability Insurance
Coterie's general liability insurance policies can protect businesses against catastrophic losses due to claims of third-party bodily injury, personal property damage, libel, slander, and other forms of personal injury. False or misleading advertising claims are also covered.
Coterie Insurance Business Owners Policy Insurance
A business owners policy, or BOP, from Coterie is a package of critical business insurance coverages. These policies bundle commercial property insurance, general liability insurance, and business interruption insurance.
As such, Coterie's BOP insurance can cover losses related to damaged, destroyed, or stolen business property, inventory, etc., the same liability claims as a standalone general liability policy, and temporary suspensions of business operations due to a covered cause like a fire. Business interruption coverage can provide the business with a continued revenue stream and pay ongoing expenses during temporary covered closures, such as employee wages and rent.
Coterie Insurance Business Insurance Average Prices
Coterie does not publish information about its average coverage rates. An independent insurance agent can help you obtain quotes from Coterie. You can also get an estimate of how much business insurance might cost for your company by using our business insurance calculator.
What Discounts Does Coterie Insurance Offer?
Coterie does not publish information about any discounts or savings opportunities that it offers. An independent insurance agent can provide better discount information and premium quotes for coverage through Coterie Insurance. When it comes to coverage, independent insurance agents work hard to help get you the most for your money.
Coterie Insurance Customer Service
Coterie provides the following customer service options and availability:
- Phone
- Snail mail
- Live chat
- Online claims reporting
- Online agent portal
The customer service phone department and online chat service have the following hour restrictions:
| Days | Hours (EST) | ||
| Monday-Friday | 8:00 a.m. - 8:00 p.m. | ||
| Saturday | CLOSED | ||
| Sunday | CLOSED |
Find The Right Company Today.
Shopping for a company? We have the right one for you.
Coterie Insurance FAQs
Coterie states it will contact customers within three to five business days after a claim is reported.
Customer service is available by live chat, email, or phone Monday through Friday, 8:00 am to 8:00 pm EST. There’s also an online contact form for non-urgent messages that promises a 24-hour response time.
Coterie provides all the information policyholders need to file a claim quickly and accurately. However, the carrier does not detail its specific claims process step by step. Customers can also work with an independent insurance agent, who can file claims directly for them.
Coterie offers helpful Insurance 101 videos and detailed descriptions of each type of coverage it offers and why business owners need it. These videos and pages describe the types of insurance in general but do not necessarily describe any details about Coterie’s products.
The carrier is available for customers at generous hours during the week and offers online claims reporting. It also has an extensive social media presence across Facebook, X, Instagram, LinkedIn, and YouTube. Overall, Coterie provides a highly user-friendly experience for customers.
Coterie sells business owners policies, general liability insurance, cyber insurance, and other products needed by small businesses. However, the carrier does not detail much about the specifics of its policies.
Coterie is a fairly young carrier that lacks many customer reviews. The carrier has also not been individually rated by AM Best, though it is backed by "A"-rated companies. Coterie's BBB rating of "B+" is low compared to many other carriers. Overall, it may be up to individual interpretation as to whether Coterie can be considered a good insurance company.
Coterie's insurance products may be right for small business owners or professionals in need of coverage such as general liability or cyber insurance. Coverage is available nationwide, though specific product availability may vary by state.
https://www.coterieinsurance.com
https://www.bbb.org/us/oh/blue-ash/profile/insurance-companies/coterie-insurance-0292-90042456