Source: Coterie Insurance – Eligibility Guidelines
Coterie Insurance: Wholesale Distribution Insurance Appetite
Coterie can cover the smallest wholesale operations with minimal product liability and no fleet exposure. For most distributors, Guard or Progressive will provide a more complete solution with commercial auto and inland marine. Coterie's micro-commercial focus makes them a poor fit for typical wholesale operations.
Available Lines
| Line of Business |
|---|
| Business Owners Policy (BOP) |
| General Liability |
Premium Range
$800-$3,000
Typical annual premium
Target States
48 states (limited availability for distribution classes)
Key Features
- BOP available for very small wholesale operations with minimal inventory
- GL for distributors with low product liability exposure
- Instant-issue for qualifying micro-distributors
- Low minimum premiums for small-scale wholesale businesses
- Digital-first policy management
Limitations
- No commercial auto for delivery fleets
- No inland marine or goods-in-transit coverage
- Product liability exposure must be minimal – food and chemical distributors excluded
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