Do You Need Life Insurance When Renting?

10-second summary: You don’t need a mortgage to benefit from life insurance. If someone relies on your income, life insurance can still play an important role. However, for many renters the bigger financial risk is actually losing their income through illness or...

Do You Need Life Insurance When Renting?

10-second summary: You don’t need a mortgage...

Spring Break Trip Cancellations: What Travel Insurance Covers

Spring break is supposed to be all about sunshine, beach days, and overall, a fun break from the real world, but sometimes,...

How to Avoid Being Misclassified Under a Mental Health Limitation in Your LTD Claim

For many long-term disability (LTD) claimants, the struggle to keep working doesn’t stem from just one issue. It’s common to have both physical...

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Small Business Insurance

General Liability Enough VS BOP

March 6, 2026 Small businesses don’t all face the same risks. A freelance designer working from a laptop has very different insurance needs than a bakery with ovens, inventory, and a storefront.  When choosing between a General Liability (GL) policy and a Business Owners Policy (BOP), the...

General Liability Enough VS BOP

March 6, 2026 Small businesses don’t all face the same risks. A freelance designer working from a laptop has very different insurance needs than a bakery with ovens,...

Why Relationships Still Win in Small Business Insurance

February 26, 2026 Independent agents face increasing pressure to not just move faster, quote more, and win more small business accounts but also deliver better...

Should you use an insurance agent

February 13, 2026 Short Answer: Most small businesses benefit from working with an insurance agent. Online insurance is faster, but agents help prevent coverage gaps, compare multiple...

NAICS Appetite Guide for Insurance Agents| Coterie

February 5, 2026 An agent submits what appears to be a simple consulting risk. Days later, the submission is still in underwriting review. The client follows up...

Quote Bind Small Business Insurance in All 50 States: Agent Guide 

January 27, 2026 A commercial insurance agent in Chicago needs to bind a general liability policy for a new restaurant client before a lease...

Accuracy Speeds Binding

When it comes to mid-market Contractors General Liability — premiums $15K and up — the faster a submission is accurate, the faster coverage...

The Contractor Admin Problem

Contractors don’t lose sleep over insurance coverage. They lose sleep over the admin that comes with it. Ask any tradesperson when they handle COIs,...

Market Insurance to Micro Small Businesses

November 20, 2025 Just like larger companies, micro businesses also need small business insurance. However, their unique needs call for a tailored marketing approach that...

Why Is Flood Insurance So Expensive in Flood Zone AE?

 Watch Chris explain this in detail https://www.youtube.com/watch?v=guZy7pZUm84 If you live in Flood Zone AE and your mortgage payment just went up $200 to $400 per month, your flood insurance is likely the reason. Zone AE flood insurance commonly ranges from $800...