Source: Coterie Insurance — Retail Insurance
Coterie Insurance: Retail Stores Insurance Appetite
Coterie is a strong option for the smallest retail businesses — Etsy sellers with a pop-up booth, farmers market vendors, and micro-boutiques. Their speed and low minimums are unmatched. For established retail stores with significant inventory or multiple locations, use Guard or Progressive for more comprehensive coverage.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Workers' Compensation |
| Professional Liability |
Premium Range
$500-$3,500
Typical annual premium
Target States
48 states (availability varies, not all states for all products)
Key Features
- Instant-issue BOP for small retail stores under $1M revenue
- Ultra-low minimum premiums for pop-up shops and seasonal retail
- Digital certificates for landlord compliance
- Simple 7-question application process
- API integration for embedded retail insurance solutions
Limitations
- Revenue and property value caps limit eligibility for larger stores
- Gun shops, adult retail, and cannabis retail are excluded
- No commercial auto or inland marine available
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