Source: Coterie Insurance — Technology Insurance
Coterie Insurance: Technology Companies Insurance Appetite
Coterie is excellent for the smallest tech firms — freelance developers, solo IT consultants, and pre-revenue startups that need E&O quickly. Their instant-issue process is ideal for tech professionals who need coverage to sign a client contract. For larger tech companies needing robust cyber, use Coalition or Hiscox.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
| Professional Liability (Tech E&O) |
| Workers' Compensation |
Premium Range
$500-$4,000
Typical annual premium
Target States
48 states (availability varies, not all states for all products)
Key Features
- Instant-issue Tech E&O for freelance developers and small IT firms
- BOP + E&O bundle designed for micro tech companies
- API-driven quoting ideal for tech platform integrations
- Low minimum premiums for pre-revenue startups and solo developers
- Digital-first policy management with instant certificates
Limitations
- No standalone cyber liability — limited cyber coverage within E&O only
- Hardware manufacturers and IoT companies may not qualify
- Revenue cap limits eligibility for growing tech companies
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