Coverage A vs. Coverage B – Court Rejects Carrier’s Attempt to Reclassify Attached Structures

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In Anytime Restoration Services of Florida, Inc. v. Citizens Property Insurance Corp., 1 Florida’s Third District Court of Appeal delivered a strong reminder: carriers cannot artificially reclassify damage to limit coverage when the policy language says otherwise. After a vehicle crashed into a home, damaging an iron fence attached to the dwelling, the insurer denied coverage, arguing that the...
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Coverage A vs. Coverage B – Court Rejects Carrier’s Attempt to Reclassify Attached Structures

In Anytime Restoration Services of Florida, Inc. v. Citizens Property Insurance Corp., 1 Florida’s Third District Court of Appeal delivered a strong reminder:...

Think $50 a month for pet insurance is too much?

Think $50 a month for pet insurance is too much? That’s $600 a year, $6,000 in 10 years. But one vet emergency can cost the...

Massive Ice Sheets Threaten Homes in Northern Michigan

Large chunks of ice rammed into homes along Michigan’s Black Lake in the northeastern Lower Peninsula as constant spring rainfall and winter melt...

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Small Business Insurance

What Small Business Owners Need to Know

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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...
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...
Small Business Insurance

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...
Small Business Insurance

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...
Small Business Insurance

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...
Flood Insurance

Can I Cancel My Georgia Flood Insurance? What Happens If You Do

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If you’re paying for flood insurance in Georgia, you’ve probably asked yourself at some point, do I really need this? Maybe your premium went up. Maybe you’ve never filed a claim. Or maybe your lender requirements have changed. But...

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