California Governor Seeks Extension of FEMA Funding for LA Wildfire Victims

California Gov. Gavin Newsom is asking the federal government extend disaster assistance programs for thousands of victims of the January 2025 Los Angeles wildfires who are still working to rebuild. Newsom is requesting a 12-month extension of the Federal Emergency Management Agency’s Individuals and Households Program which provides financial and housing...

California Governor Seeks Extension of FEMA Funding for LA Wildfire Victims

California Gov. Gavin Newsom is asking the federal government extend disaster assistance programs for thousands...

Hedge Funds Make Their Move as Litigation Finance Assets Slump

A losing streak in litigation finance is attracting hedge funds and other alternative investment managers looking to invest in legal claims at distressed...

Why Old Property Policies Fail Modern Cyber Fraud Losses

Many policyholders believe they are covered for theft, fraud, and forgery when their computers are hacked, and they are duped out of money....

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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 claim, according to The Hartford’s 2025 data. Burst pipes, ice dams, and frozen sprinkler systems...

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,...

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...

Flood Insurance Costs in Dallas-Fort Worth: 2026 Data and Insights

How much does flood insurance cost in Dallas-Fort Worth? And why do some homeowners pay under $150 per year while others pay over $2,700? If you’re buying a home in DFW and just found out it’s in a flood...