The product facts behind the view.
- Coterie’s GL brochure describes liability protection for bodily injury, property damage and, for most industries, personal and advertising injury. [1]
- Published extensions include additional-insured, waiver of subrogation, primary-and-noncontributory, HNOA, liquor and other options. [1]
- The brochure lists mandatory exclusions, including damage to work performed by subcontractors, silica-related dust, total pollution and cyber-incident liability. [1]
- The brochure says $2 million/$4 million limits are unavailable for contractors in CA, CO, FL, NY and TX or when liquor liability is selected. Confirm the current proposal. [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 customer demands completed-operations additional-insured status
Does the proposed endorsement grant the required status for the relevant work, and for what period?
A subcontractor’s completed work causes damage
How does the mandatory subcontractor-work exclusion apply to the alleged loss?
A contract requires a higher primary limit
Is that option available for the client’s state, class and coverage selections, or does the placement need another structure?
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Describe the actual trade, work at customers’ premises, subcontractor use and any specialty operations.
- Provide contracts requesting additional-insured, primary-and-noncontributory or waiver wording.
- Identify requested occurrence and aggregate limits, state of operations and any liquor or HNOA need.
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 General Liability?
Choose “Get a quote with Coterie General Liability” 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 General Liability?
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 General Liability.
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 GL 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.
An additional-insured request needs the actual endorsement.
Coterie lists additional-insured, primary-and-noncontributory and waiver extensions. [1]
Send the relevant contract and ask which wording is offered. A certificate holder and an additional insured are different, and the contract may ask for completed-operations or other terms beyond a name on a certificate.
Subcontracting can change the coverage review.
The brochure lists an exclusion for damage to work performed by subcontractors among mandatory forms. [1]
Explain who performs each part of the job and examine the operative exclusion. This is a reason to review the form against the insured’s actual work and subcontract agreements before selecting a quote.
Check the requested limit before committing to the market.
The brochure restricts the $2 million/$4 million limit option for specified contractor states and liquor selections. [1]
A client may need a particular limit to obtain a contract. Establish whether the primary option is available and whether a separate excess solution is needed rather than discovering the mismatch when proof is due.