How fast can agents get a business insurance quote online?
Through Coterie, agents can receive bindable small business insurance quotes in under 2 minutes for eligible businesses. The speed comes from automated underwriting that evaluates risk in real time, rather than routing submissions to a manual review queue.
Are quotes bindable or just estimates?
Coterie quotes are bindable. When you see a quote on screen, you can accept it, collect payment, and issue the policy without waiting for additional underwriter approval. Preliminary indications or soft quotes that need further review are a different product entirely, and Coterie does not operate that way for standard eligible risks.
What information is needed to start a quote?
You need the client’s business name, business address, and industry classification (NAICS code). Coterie’s system pulls additional business data automatically, which reduces the amount of information you need to collect upfront compared to a traditional application.
Can agents issue a certificate of insurance after binding?
Yes. Certificate of insurance generation is part of the same workflow. After binding a policy, you can produce a certificate within the Coterie dashboard without switching to a separate system. Clients who need proof of business insurance coverage for a landlord, contract, or vendor requirement can have it the same day.
What types of business insurance can be quoted online?
Coterie supports Business Owners Policies, General Liability Insurance, and Misc. Professional Liability Insurance. Eligibility varies by business class and state, but the platform covers about 80% of small business classes across all 50 states.
