LinesBOP, GL, Professional liability
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Offices | BOP | Most states | Consultants, accountants, architects, engineers, insurance and real estate agents, designers and property managers. Up to $10M revenue, 50 employees and one location per policy. No more than two losses, and none over $15K, in five years. Home-based businesses accepted (Coterie Appetite Guide, CR-2026-08-634). |
| Professional services | Professional liability | Most states | Miscellaneous professional liability for advice-giving classes, sold alongside a BOP or GL because the BOP excludes professional liability. Not available in DC, IL, MA, ND or VA (Coterie Appetite Guide, CR-2026-08-634; eligibility guide, June 2026). |
| Restaurants | BOP | Most states | Full-service and limited-service restaurants are Coterie's top two classes (Top 100, Dec 2025). BOP is underwritten on seating, construction and revenue. Kitchen equipment, grease traps and fire suppression must work, and there can be no large delivery fleet. Food trucks may fit standalone GL (eligibility guide, June 2026). |
| Contractors | BOP | Most states | Electrical, plumbing, HVAC, masonry, painting and landscaping. Up to $5M revenue and 15 employees. Contracting classes are unavailable in New York, and $2M/$4M limits aren't offered to contractors in CA, CO, FL, NY or TX. Abatement, demolition and heavy equipment work are out of appetite (Appetite Guide, CR-2026-08-634; BOP brochure, Dec 2025; eligibility guide, June 2026). |
| Retail | BOP | Most states | Retail stores, internet stores, florists and dry cleaners. Grocery and convenience stores are in Coterie's top 10 classes (Top 100, Dec 2025). Up to $10M revenue and 50 employees. Coastal restrictions apply to BOP (Coterie Appetite Guide, CR-2026-08-634). |
| Healthcare | BOP | Most states | Medical offices, outpatient mental health, testing labs, gyms, personal trainers and yoga or pilates studios, for BOP, GL and select MPL (Coterie Appetite Guide, CR-2026-08-634). |
| Wholesale | BOP | Most states | Wholesalers, distributors, publishers and printers, for BOP or GL. Standard limits of $10M revenue and 50 employees apply (Coterie Appetite Guide, CR-2026-08-634). |
How to quote Coterie Insurance
→Carrier portal. Quote directly in the Coterie Insurance agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Semsee. Agencies quoting several small-commercial lines.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Getting appointed
Agents can apply for a direct appointment through Coterie's 'Become a Producer' form. Bold Penguin also offers a Coterie market access appointment to agencies in all 50 states, with bind approval in about 48 hours (Bold Penguin guide, May 2026).
Sources
- Coterie: Appetite Guide (CR-2026-08-634, PDF dated Sept 2026)
- Coterie: Top 100 small business classes (December 2025)
- Coterie: Business Owner's Policy product highlights (December 2025)
- Coterie: Small business insurance eligibility guide by class of business (June 2026)
- Coterie: Agent and broker resources
- Bold Penguin Help Center: Coterie carrier resource guide (May 2026)
- Semsee: carrier list on homepage
- Applied Systems: Tarmika Carriers List (effective May 29, 2026; BOP and GL bindable, live)