Only in California do we get an insurance coverage dispute where wildfire, PG&E power shutoffs, closed coastal roads, seawater pumps, and dead abalone all come together in one appellate opinion. American Abalone Farms, LLC v. Star Insurance Company 1 is a reminder that the efficient proximate cause doctrine still matters, especially when insurers try to turn a wildfire...
Only in California do we get an insurance coverage dispute where wildfire, PG&E power shutoffs, closed coastal roads, seawater pumps, and dead abalone...
Author: Chris Greene, The Flood Insurance Guru
Last Updated: June 15, 2026
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Executive Summary
If you're purchasing, refinancing, or managing a commercial property with multiple buildings,...
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...
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...
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...
May 21, 2026
Small businesses are increasingly becoming targets for cyberattacks, phishing scams, ransomware, and data breaches because they often lack dedicated IT teams...
How fast can agents get a business insurance quote online?Â
Through Coterie, agents can receive bindable small business insurance quotes in under 2 minutes for eligible...
The Four Seasons of Small Business RiskÂ
Winter: Property Damage and Slip-and-Fall LiabilityÂ
Winter is expensive for small businesses. Water and freezing damage is the number-one small business property...
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...
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...
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)?Â
General Liability insurance covers...
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,...
Author: Chris Greene, The Flood Insurance Guru
Last Updated: June 15, 2026
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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...