Source: Coterie Insurance — Professional Services
Coterie Insurance: Professional Services Insurance Appetite
Coterie is one of the best options for solo consultants, freelancers, and micro professional services firms. Their instant-issue E&O + BOP bundle covers the most common exposures with minimal friction. Premium sweet spot is under $5,000. For larger firms, Hartford or Hiscox provide more robust programs.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Professional Liability (E&O) |
| Workers' Compensation |
Premium Range
$500-$3,000
Typical annual premium
Target States
48 states (availability varies, not all states for all products)
Key Features
- Instant-issue BOP with professional liability for consultants and freelancers
- Professional liability (E&O) available as standalone or bundled with BOP
- Ultra-low minimums ideal for solo practitioners and micro-firms
- API-driven for embedded insurance in freelancer platforms
- Simple application — as few as 7 questions to bind
Limitations
- Revenue cap limits eligibility for larger professional firms
- Law firms, architects, and engineers are excluded
- Umbrella and commercial auto must be placed separately
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