Coterie Insurance is an insurtech MGA providing small business insurance products including general liability, business owners policies, and professional liability through an API-first distribution model. Agents, brokers, and digital platforms integrate Coterie's quoting and binding capabilities directly into their own workflows to serve the underserved SMB commercial insurance market.
Key features: API-based instant quote and bind for small business · General liability, BOP, and professional liability products · White-label and embedded distribution options · Agent portal with simplified application workflows · Real-time eligibility and pricing decisions
Pros: API-first design enables flexible integration into agency and platform workflows · Fast time-to-quote for SMB lines that traditionally require manual review · Embedded insurance capability for digital distribution partners · Simplified underwriting for common SMB risk classes
Cons: Limited to SMB commercial lines; not suited for complex or large commercial risks · MGA model dependent on carrier capacity partners · Platform access pricing not publicly listed
Pricing: Premiums are per risk; platform access pricing not publicly listed.
Best for: agents and digital platforms serving small businesses
Audience: broker
