Instant Bindable Small Business Insurance Quotes for Independent Agents Small business insurance should not take days to quote and bind. For agents and brokers handling high volumes of small commercial accounts, every hour spent on manual submissions is an hour not spent on client relationships or new business. Coterie gives licensed agents an agent quoting […]
Seasonal Risks for Small Businesses: Keep Your Clients Insured Year-Round
Seasonal Business Risks: How to Keep Your Small Business Clients Insured Year-Round Seasonal risk effects small businesses and is something that should be top of mind for agents when working with SMBs. A bakery that was perfectly covered in March can be underinsured by December. The reason is straightforward: risk profiles for small businesses shift […]
Certificate of Business Insurance: What Small Business Owners Need to Know
A certificate of business insurance (or COI) is one of the most important documents your business will be asked to provide and one of the easiest ways to lose time if you are not prepared. If you are signing a lease, starting work with a new client, or bidding on a job, you will likely need to show proof that […]
Quick Start: Quote & Bind Small Business Insurance with Coterie
An insurance agent needs to bind a general liability policy before their client’s lease signing tomorrow. With traditional carriers, that’s 2-5 days of waiting. With Coterie’s platform, it takes under 90 seconds. This quick start guide walks you through Coterie’s instant quote-to-bind workflow for small business insurance across all 50 states. For detailed explanations of bindable […]
General Liability vs BOP for Small Businesses: How Insurance Agents Decide Which Coverage to Recommend
Insurance agents advising small business clients frequently face a foundational coverage question: Should this client purchase General Liability insurance or a Business Owners Policy (BOP)? General Liability insurance covers third-party bodily injury, property damage, and advertising injury claims. A Business Owners Policy includes that same liability coverage plus commercial property and business interruption protection. For many small businesses, agents begin with General […]
Why Relationships Still Win in Small Business Insurance
Independent agents face increasing pressure to not just move faster, quote more, and win more small business accounts but also deliver better service. What actually drives growth in small business insurance today? What the latest Under 10 episode on YouTube: Strong relationships + strategic partner support. In our latest Under 10 episodes, Christine, Director of Account Management and Ashraf, Agency Success Manager, break down why relationships […]
NAICS Appetite Guide for Insurance Agents: Eligibility, Referrals & Declines
An agent submits what appears to be a simple consulting risk. Days later, the submission is still in underwriting review. The client follows up twice. No clear timeline. The opportunity moves to a competitor that could bind instantly. This guide explains how Coterie evaluates NAICS codes to determine instant eligibility, underwriting referral, or decline, so agents can pre-screen prospects, set accurate expectations, and avoid wasted submission time. […]
Quote & Bind Small Business Insurance in All 50 States: Agent Guide
A commercial insurance agent in Chicago needs to bind a general liability policy for a new restaurant client before a lease signing the next morning. With many traditional carriers, that request triggers days of emails, manual underwriting reviews, and uncertainty around turnaround time. By contrast, Coterie delivers bindable quotes in under 90 seconds and allows agents to […]
What is Employment Practices Liability Insurance (EPL) and how can it benefit your client’s business?
Although often overlooked, Employment Practices Liability Insurance (EPL) can be extremely important in protecting your client’s business. The business landscape is constantly changing. As workplaces evolve, there are more laws and regulations protecting employees and former staff. Allegations of wrongful termination, discrimination, harassment, and retaliation can pop up and involve businesses in long and costly legal battles. EPL can help safeguard businesses from these risks, providing peace of mind and a foundation […]
How to Market Insurance to Micro Small Businesses
Just like larger companies, micro businesses also need small business insurance. However, their unique needs call for a tailored marketing approach that prioritizes empathy, respect, and understanding. In this blog, learn how to market insurance to micro small businesses. Why Micro Businesses Matter Small businesses may be “small” in size, sales, and staff, but they make up the backbone of the […]
Digital Marketing Tips to Grow Your Insurance Agency and Boost Lead Generation
Generating high-quality leads is one of the biggest challenges for any insurance agency. Fortunately, technology has made it easier than ever to attract and convert potential clients through digital marketing. Why Digital Marketing Matters for Insurance Agencies Traditional methods like direct mail, cold calls, and local events still work ,but relying on them alone limits […]
Too Small to Be a Target? Why Cyber Criminals Love Small Businesses
October is Cybersecurity Awareness Month, making it the perfect time to talk about one of the biggest misconceptions in small business today: “I’m too small to be hacked.” In a recent episode of the And I Quote podcast, Eder Ribeiro, Director of Global Incident Response at TransUnion, shared why small businesses actually face greater risk […]
