The product facts behind the view.
- Coterie’s miscellaneous professional liability brochure addresses third-party financial loss arising from errors or omissions in professional services. [1]
- The described policy is claims made, with a retroactive date and extended-reporting provisions. [1]
- The brochure lists an industry-services endorsement and service-specific restrictions; the profession label alone does not establish covered services. [1]
- The December 2025 brochure lists DC, IL, MA, MT, ND and VA as unavailable for MPL. Check current state and profession eligibility. [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 client complains about advice given two years ago
Does the work fall after the retroactive date, and is the claim reported within the required period?
The insured plans to retire at expiration
What extended-reporting option is available, and which later claims about prior work would it permit reporting?
A service firm adds a regulated activity
Is it part of the selected professional-services definition, excluded by a base form, or outside current eligibility?
A better submission starts here.
Published requirements and notices
The sources reviewed do not establish a complete required submission packet for this product. Confirm the current application and required documents for the account.
Hedge’s preparation guidance for this placement:
- Supply a precise service description, revenue by activity and representative client contracts.
- Provide the expiring policy, retroactive date, prior-insurance history and any known circumstances.
- Identify the operating states and any changes in professional services or plans to close, sell or stop the business.
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 Professional Liability?
Choose “Get a quote with Coterie Professional 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 Professional 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 Professional 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 MPL 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.
A claim and the underlying work can happen in different years.
The brochure describes claims-made coverage for reported claims involving work after the retroactive date. [1]
Compare the proposed date with the expiring policy. An apparently similar replacement can leave earlier work outside scope or introduce a reporting gap if the continuity details are missed.
Tail coverage is an option to evaluate, not an automatic renewal.
Coterie describes a basic 60-day extended-reporting period and optional longer reporting periods in the brochure. [1]
Ask when an ERP is available, what it costs and exactly what it permits reporting. This matters when a client retires, changes carriers or discontinues a service but can still receive later demands.
The professional-services endorsement does important work.
The brochure lists an industry-services endorsement along with service-specific and base-form exclusions. [1]
Provide contracts and examples of deliverables. Ask how the actual endorsement addresses the work, rather than concluding that every activity is insured because the occupation appears in an appetite list. The brochure lists architects/engineers and insurance agents but also excludes those services in its base-form discussion; check the selected industry endorsement before describing how that tension is resolved.