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 small commercial-focused, digital underwriting platform writing primarily BOP, GL, and related small business coverages via appointed agents, brokers, and platform partners in all 50 states. Appetite, eligibility, and pricing are driven heavily by NAICS/class coding, with most risks decisioned instantly (bind/conditional refer/decline) through their dashboard or API connections. Preferred / target business: - Broad small business main street risks: retail, offices, many personal/professional services, and light mercantile. - Artisan and trade contractors (both residential and commercial) within light-to-moderate hazard classes. - Rolling kitchens/food trucks and similar small food-related risks, with dedicated appetite guidance. - Clean, well-managed operations with limited high-hazard exposures, stable operations, and no severe recent losses. - Risks that can be clearly mapped to standard NAICS codes and fall within Coterie’s "instant eligibility" tiers (agents are encouraged to pre-screen by class using the digital appetite guide and Top 100 Appetite resources).([coterieinsurance.com](https://coterieinsurance.com/producer-resources/?utm_source=openai)) Restricted / declined classes (high-level): - Classes outside Coterie’s defined small-business appetite or not supported by their NAICS-based eligibility model will either require underwriting referral or be automatically declined; agents are instructed to use the appetite guide and dashboard eligibility check early in the process. - Higher hazard operations (heavy contracting, significant products-completed ops exposures, complex manufacturing, or unusual premises hazards) are generally not core appetite and may be declined or require referral depending on class. - Liquor-heavy risks, workplace-violence-prone occupancies, and cyber-intensive exposures are typically addressed by specific endorsements or stand-alone forms; appetite and availability are outlined in product-specific resources linked from the producer hub and may vary by jurisdiction and carrier partner.([coterieinsurance.com](https://coterieinsurance.com/producer-resources/?utm_source=openai)) Geographic notes: - Coterie markets itself as a national small-business solution and provides an "Agent Guide: quote & bind in all 50 states" that explains eligibility and quoting expectations by NAICS rather than by state, indicating broad geographic reach subject to underlying carrier and regulatory constraints.([coterieinsurance.com](https://coterieinsurance.com/blog/category/agent-resources/?utm_source=openai)) Submission / quoting requirements and workflow: - Producers must first obtain access to Coterie’s Agent Dashboard (or an approved distribution partner platform) and complete required registration/producer setup before submitting business.([explore.coterieinsurance.com](https://explore.coterieinsurance.com/getting-started-with-coterie?utm_source=openai)) - Quoting is designed to be data-driven and fast: in many cases agents start with only business name and address; Coterie pre-fills business details and class information from third-party data, then surfaces coverages and limits.([coterieinsurance.com](https://coterieinsurance.com/newsroom/press-releases/automated-underwriting/?utm_source=openai)) - Eligibility and appetite checks are expected to be done upfront using: (1) the Digital Appetite Guide/2026 Appetite resource, (2) Top 100 Appetite lists, and (3) NAICS-evaluation guidance from the Agent Resources blog; these tools indicate whether a class is instant-eligible, requires underwriting review, or is out of appetite.([coterieinsurance.com](https://coterieinsurance.com/producer-resources/?utm_source=openai)) - Submissions and binds are completed entirely through Coterie’s digital interface or API-connected partners; agents generally do not email full ACORD apps for standard accounts, and should instead rely on the dashboard question set and pre-fill. Broker / producer notes: - Coterie positions itself as a partner-focused MGA; producers work through the Agent Dashboard or integrated distributors (e.g., First Connect, Semsee, and other digital platforms) which pass-through Coterie’s automated underwriting rules.([firstconnectinsurance.com](https://www.firstconnectinsurance.com/carriers/coterie/?utm_source=openai)) - Producer agreements emphasize that access is restricted to properly licensed producers; Coterie reserves the right to accept or reject producers and subproducers and controls final underwriting and policy issuance, even though much of the process is automated.([imsaccess.com](https://www.imsaccess.com/index.php?field-id=24&form-id=4&gf-download=2023%2F07%2FCoterieIMSSignedProducerAgreement10.pdf&gv-iframe=true&hash=25ee67c3dcbe336071e53f176edb030b7680086a0238c003ebcff63f91201805&utm_source=openai)) - Agents are encouraged to rely on Coterie’s appetite materials, webinars, and featured class campaigns (e.g., monthly featured classes, niche guides such as rolling kitchens) to target in-appetite business and improve quote-to-bind efficiency. Operationally, treat Coterie as a high-speed, rules-driven small-commercial market: pre-check class and state in the Appetite Guide or dashboard; submit through their digital portal with accurate NAICS/business description; expect an instant decision on most main-street and light contractor risks, with off-appetite or ambiguous classes quickly declined or referred without traditional manual underwriting negotiation.