When Settlement Becomes Leverage: State Farm’s New Proposal for Settlement Tactic

Policyholders expect one thing when a case settles: closure. But recently, State Farm has begun using a tactic that turns settlement into something else entirely, a pressure point. Instead of simply paying what a claim is worth, State Farm is now attempting to control how policyholders receive their money by leveraging Florida’s proposal for settlement framework. Florida’s Fee-Shifting Framework Florida’s fee-shifting structure,...

When Settlement Becomes Leverage: State Farm’s New Proposal for Settlement Tactic

Policyholders expect one thing when a case settles: closure. But recently, State Farm has begun using a tactic that turns settlement into something else...

Royal London Mortgage Protection: Best All-Round Option?

10-second summary: Royal London offers one of...

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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 the easiest ways to lose time if you are not prepared.  If you are...

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,...

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...

I Got an Elevation Certificate in Georgia, Now What?

If you just received an elevation certificate in Georgia, you are probably wondering what it actually does and what you should do next. Does this lower your flood insurance?Can it remove your flood zone or eliminate the requirement? In this...