The product facts behind the view.
- Coterie’s BOP brochure combines business property and liability coverages, with optional endorsement packages. [1]
- The brochure lists up to 50 employees and $10 million revenue, with lower contractor thresholds of 15 employees and $5 million revenue. [1]
- Published property features include replacement-cost valuation, actual-loss-sustained business income and an 80% coinsurance provision; review the actual terms together. [1]
- The brochure separates base property coverages from extensions and increased limits, including equipment breakdown, sewer backup and off-premises utility services. [1]
This is an individual program of Coterie Insurance. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A burst pipe damages stock and stops trading
What property values, business-income period and additional-expense terms apply, and does the coinsurance provision affect the loss?
A power failure spoils refrigerated stock
Which utility, equipment-breakdown or restaurant endorsement is included, and does the actual cause meet its trigger?
A contractor’s tools are stolen away from the shop
Which tool or off-premises extension applies, what limit is scheduled and what location or security conditions matter?
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Describe all operations and subcontracted work, with revenue and employees by activity.
- Provide building and business personal property values, occupancy, protective systems and any off-premises property or tools.
- Identify the most costly interruption scenario and the client’s lease or customer-contract insurance requirements.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Coterie Insurance Agency, LLC [2]
Insurance agency
- NPN
- 19000811
- Wisconsin license
- 3000452677
Coterie is the agency/program brand. The linked brochure does not establish one issuing insurer for every state or account; identify the insurer, policy form and endorsements from the actual quotation. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Coterie Business Owners Policy?
Choose “Get a quote with Coterie Business Owners Policy” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Coterie Business Owners Policy?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Coterie Business Owners Policy.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Coterie BOP product brochure, December 2025 ↗Checked November 1, 2026
- Coterie agency legal notice ↗Checked November 1, 2026
- Coterie current producer resources and linked brochures ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
Replacement cost and coinsurance need to be read together.
The brochure pairs replacement-cost valuation with an 80% coinsurance provision. [1]
Confirm how values were established and how the provision operates on the proposed policy. An attractive deductible cannot compensate for a property schedule that understates the values needed at claim time.
The extension list is a buying checklist, not automatic cover.
Equipment breakdown, off-premises utility services, sewer backup and several other extensions are listed separately from base coverages. [1]
Ask which are included, with what limits and conditions. A machine failure and a power interruption can stop the same business while engaging different coverage triggers.
Mobile property deserves its own discussion.
Coterie’s brochure distinguishes off-premises property limits and notes that contractor tools are not included in certain listed property limits. [1]
Inventory the tools and equipment that leave the premises. Verify the intended tool coverage rather than assuming the business-personal-property limit follows every asset to every job.