Mortgage Protection for Unmarried Partners (Inheritance Tax)

10-second summary If you’re buying a house and you’re not married, how you set up your mortgage protection can affect the inheritance tax bill if one of you dies. A standard joint policy can leave the surviving partner with a large tax bill....

Mortgage Protection for Unmarried Partners (Inheritance Tax)

10-second summary If you’re buying a house and...

Meta, Google Lose Case Over Social Media Harm to Kids

A Los Angeles jury on Wednesday found Meta and Alphabet’s Google negligent for designing social media platforms that are harmful to young people,...

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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 third-party bodily injury, property damage, and advertising injury claims. A Business Owners Policy...

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,...

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...

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...

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...

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...

Accuracy Speeds Binding

When it comes to mid-market Contractors General Liability — premiums $15K and up — the faster a submission is accurate, the faster coverage...

The Contractor Admin Problem

Contractors don’t lose sleep over insurance coverage. They lose sleep over the admin that comes with it. Ask any tradesperson when they handle COIs,...

What Lenders and Realtors Should Know

Flood issues rarely cause problems because of the rule itself.They cause problems because of when the rule shows up.One of the most overlooked timing issues in flood insurance is the 45-day notice process tied to required coverage.Most lenders...