Source: Coterie Insurance — Small Business Insurance
Coterie Insurance: Restaurants Insurance Appetite
Coterie is purpose-built for micro and very small restaurants — food trucks, small cafes, bakeries, and pop-up concepts. Their instant-issue process is unmatched for speed. For larger restaurants or those needing commercial auto, pair Coterie with a carrier like Progressive or Hartford.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Professional Liability |
Premium Range
$800-$4,500
Typical annual premium
Target States
48 states (availability varies, not all states for all products)
Key Features
- Instant-issue BOP for small restaurants under $1M in revenue
- API-driven quoting with real-time bind capabilities
- Low minimum premiums ideal for food trucks and micro-restaurants
- Simple application with as few as 7 questions
- Digital certificates of insurance available immediately
Limitations
- Revenue cap typically around $1M-$2M for automated quoting
- Bars with over 50% liquor sales may not qualify
- No commercial auto or umbrella — must be placed separately
Compare Other Carriers for Restaurants
$2,500-$12,000
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$500-$8,000
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