Do Dead Human Bodies Cause Covered Property Damage? Florida Court Says Yes

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Death is many things. It is tragic, mysterious, sometimes untimely, and always final. But one morbid question that has been discussed in the FC&S at least three times is whether a dead human body causing property damage is an excluded “pollutant” under a homeowners insurance policy. This was the issue in Florida Farm Bureau Casualty Insurance Company v. The...
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Do Dead Human Bodies Cause Covered Property Damage? Florida Court Says Yes

Death is many things. It is tragic, mysterious, sometimes untimely, and always final. But one morbid question that has been discussed in the...

SPCA Pet Insurance ‘Charlie’ TV Ad – 60sec

Because we love our Charlies unconditionally, there’s SPCA Pet Insurance. So even when they stick their paw in it, you can relax, knowing your...

Life Insurance for Business Owners: Key Person, Buy-Sell & Succession Planning

Last updated on: June 3, 2026Quick Answer: Life insurance for business owners serves three distinct purposes: (1) it funds buy-sell agreements so partners...

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6 Cybersecurity Tips Every Small Business Should Follow

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May 21, 2026 Small businesses are increasingly becoming targets for cyberattacks, phishing scams, ransomware, and data breaches because they often lack dedicated IT teams or formal cyber protections. For insurance agents and brokers, this creates an important opportunity...
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,...
Small Business Insurance

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...
Flood Insurance

Understanding Excess Flood Insurance: Is It Essential for You?

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What Is Excess Flood Insurance and Is It Really Necessary? If you're reviewing your flood insurance quotes and getting ready to sign, you may notice something confusing. One quote includes something...

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