Cyber Insurance Coverage Trapdoor Risks

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Cyber criminals do not need a gun, a mask, or a getaway car. They need a password, a believable message, and a business that trusts what appears on its own computer screen. This is what happened in Office of the Special Deputy Receiver v. Hartford Fire Insurance Company. 1 This is a cyber insurance decision that every business...
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Cyber Insurance Coverage Trapdoor Risks

Cyber criminals do not need a gun, a mask, or a getaway car. They need a password, a believable message, and a business...

Final Rules for Medicaid Work Requirements Are Out. Here’s What You Need To Know.

The Trump administration has issued final rules on how states should ensure that millions of Medicaid enrollees prove they’re working or completing other...

Kansas Department of Insurance Distributes Over $20M to Firefighters

Kansas Insurance Commissioner Vicki Schmidt announced that the Kansas Department of Insurance has made its annual distribution to local Firefighter Relief Associations (FRAs)....

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Small Business Insurance Eligibility Guide

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June 15, 2026 Small Business Insurance Eligibility Guide for Independent Agents For independent agents placing small commercial accounts with Coterie, you can use this small business insurance eligibility guide as a high-level overview of our appetite to pre-screen...
Small Business Insurance

Small Business Insurance Eligibility Guide

June 15, 2026 Small Business Insurance Eligibility Guide for Independent Agents For independent agents placing small commercial accounts with Coterie, you can use this small...
Small Business Insurance

6 Cybersecurity Tips Every Small Business Should Follow

May 21, 2026 Small businesses are increasingly becoming targets for cyberattacks, phishing scams, ransomware, and data breaches because they often lack dedicated IT teams...
Small Business Insurance

Instant Bindable Small Business Insurance for Agents

How fast can agents get a business insurance quote online?  Through Coterie, agents can receive bindable small business insurance quotes in under 2 minutes for eligible...
Small Business Insurance

Seasonal Risk for Small Business Owners

The Four Seasons of Small Business Risk  Winter: Property Damage and Slip-and-Fall Liability  Winter is expensive for small businesses. Water and freezing damage is the number-one small business property...
Small Business Insurance

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...
Small Business Insurance

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...
Small Business Insurance

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...
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,...
Flood Insurance

The Investor’s Guide to Accurate Commercial Flood Insurance Quotes

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Author: Chris Greene, The Flood Insurance Guru Last Updated: June 15, 2026   Executive Summary If you're purchasing, refinancing, or managing a commercial property with multiple buildings, getting an accurate commercial flood insurance quote requires more than a property address. Underwriters typically need...

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