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
Compare Other Carriers for General Contractors
$3,000-$18,000
$8,000-$75,000
$8,000-$50,000
$270-$8,000
$2,000-$10,000
$5,000-$50,000
$3,000-$15,000
$5,000-$40,000
$4,000-$30,000
$2,000-$15,000
$3,000-$20,000
$3,000-$25,000
$2,000-$15,000
$3,500-$20,000
$4,000-$25,000
$5,000-$35,000
$3,500-$22,000
$3,500-$20,000
$3,000-$20,000
$2,000-$15,000
$3,000-$50,000
$5,000-$100,000
$3,000-$75,000
$500-$10,000
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote
Contact carrier for quote