Empire Life Blog 2026 Semi-Annual Market Outlook: Global equities

The first half of 2026 proved to be challenging as energy prices spiked following the war in Iran and subsequent de facto closure of the Strait of Hormuz. This had a particular impact on Asian markets, which are the most reliant on oil and gas supplies that pass through the Strait.   MID-YEAR HIGHLIGHTS A spike in energy prices has slowed...

Empire Life Blog 2026 Semi-Annual Market Outlook: Global equities

The first half of 2026 proved to be challenging as energy prices spiked following the war in Iran and subsequent de facto closure...

America Turns 250, and the Risk Meter Is Still Working

This weekend, America turns 250 years old and that means that everyone will be celebrating...

HDFC MARINE INSURANCE IN DETAIL EXPLANATION

HDFC MARINE INSURANCE IN DETAIL EXPLANATION, Marine Insurance cover all loss of Goods due to Transport. I had explain the whole policy in detail...

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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 business insurance eligibility guide as a high-level overview of our appetite to pre-screen...

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...

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...

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...

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...

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,...

Avoid These 4 Common Mistakes in Commercial Flood Insurance

Last Updated: June 30, 2026 Audience: Property investors, multifamily investors, commercial property owners, and insurance agents Executive Summary The four biggest commercial flood insurance mistakes property investors and insurance agents make are assuming they can switch private flood insurance companies mid-policy,...