How One Flood Issue Nearly Delayed a Closing (And What Fixed It)

Most flood issues do not look like major problems at first. They look like something small. Until they are not. This is one of those situations. The situation A deal was moving toward closing. Everything was on track. Then flood became part of the file later in the process. At first, it seemed manageable. But a few things started to happen: the initial quote did not fit well pricing...

How One Flood Issue Nearly Delayed a Closing (And What Fixed It)

Most flood issues do not look like major problems at first. They look like something small. Until they are not. This is one of those situations. The...

TDI’s Proposed Appraisal Rules: A Step Forward but with a Few Rough Edges

The Texas Department of Insurance (“TDI”) has proposed new rules to carry out a Texas law passed in 2025. If the rules are...

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What Small Business Owners Need to Know

April 3, 2026 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...

What Small Business Owners Need to Know

April 3, 2026 A certificate of business insurance (or COI) is one of the most important documents your business will be asked to provide and one of...

Quote & Bind Small Business Insurance with Coterie

March 27, 2026 An insurance agent needs to bind a general liability policy before their client’s lease signing tomorrow. With traditional carriers, that’s 2-5...

General Liability vs BOP: How Insurance Agents Decide

March 19, 2026 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...

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...

How One Flood Issue Nearly Delayed a Closing (And What Fixed It)

Most flood issues do not look like major problems at first. They look like something small. Until they are not. This is one of those situations. The situation A deal was moving toward closing. Everything was on track. Then flood became part of the file...