Source: Carrier website and product data
Coterie Insurance: Accounting Firms Insurance Appetite
Coterie Insurance explicitly targets business consultants (max 50 employees, max $10m revenue) as a focus segment. Fully digital quoting and binding process — Coterie Insurance's platform is designed for fast turnaround on small accounting firms accounts. E&O limits should match the largest engagement — a $500K audit opinion exposure needs at least $500K in E&O limits
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Commercial Property |
| Professional Liability (E&O) |
| Cyber Liability |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
All 50 states + DC
Key Features
- Coterie Business Owner's Policy (BOP) covers accounting firms operations with $10,000 Accounts Receivable, $5,000 Business Income from Dependent Properties, $10,000 Business Personal Property in Storage
- Coterie Cyber Insurance adds data breach response, notification costs, and regulatory defense coverage
- Coterie Insurance offers professional liability (E&O) with prior acts coverage for claims arising from past work
- Coterie Insurance offers subpoena and regulatory defense cost coverage for IRS and state board proceedings
- Online quoting available — agents can get accounting firms quotes without calling underwriting
Limitations
- No workers' compensation available — agents need a separate WC carrier for accounting firms employees
- Investment advisory services and securities work require separate financial services E&O — not covered under accounting E&O
- Audit and attestation engagements face stricter underwriting than tax preparation or bookkeeping
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