Source: Coterie Insurance – Contractors
Coterie Insurance: General Contractors Insurance Appetite
Coterie works for the smallest contractors – solo handymen, small painting crews, and micro GCs who need GL quickly to start a job. For contractors with vehicles, tools, or larger payrolls, Guard or Progressive will provide a more complete solution. Coterie is speed-first, not breadth-first.
Available Lines
| Line of Business |
|---|
| General Liability |
| Business Owners Policy (BOP) |
| Workers' Compensation |
| Professional Liability |
Premium Range
$800-$5,000
Typical annual premium
Target States
48 states (availability varies, not all states for all products)
Key Features
- Instant GL certificates for subcontractor compliance requirements
- API-driven quoting for embedded insurance distribution
- Low minimum premiums for solo handymen and micro-contractors
- Simple application process with minimal documentation
- Digital-first policy management and certificate issuance
Limitations
- Payroll and revenue caps limit eligibility for mid-size contractors
- No inland marine or commercial auto – tools and vehicles need separate coverage
- Heavy construction, roofing, and high-hazard trades may be excluded
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