--- title: "Coterie vs HUB International" description: "Why Coterie’s agent-distributed managing general agent (MGA) platform is not a substitute for HUB International’s retail brokerage when a founder does or does not already have an appointed agent." canonical: "https://spot.insure/compare/coterie-vs-hub-international" page-type: "provider-comparison" updated-at: "2026-09-16" verified-at: "2026-09-16" entities: ["Spot", "Coterie Insurance", "HUB International"] --- [Human-readable page](https://spot.insure/compare/coterie-vs-hub-international) # Coterie vs HUB International Why Coterie’s agent-distributed managing general agent (MGA) platform is not a substitute for HUB International’s retail brokerage when a founder does or does not already have an appointed agent. ## Research Scope and Use Use this comparison to evaluate Coterie Insurance and HUB International against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business. This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact. For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents. ## Highlights Coterie is an agent-distributed managing general agent for small-business policies, not a public marketplace. HUB International is a retail broker that may send small commercial accounts to Insureon and otherwise works through advisors and local offices. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [27](https://www.hubinternational.com/about-us/ "About Us") [31](https://www.hubinternational.com/contact-us/ "Contact Us") [28](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") ## Introduction Coterie and HUB International can both appear on a small-business insurance file, but they are not the same kind of firm. Coterie underwrites and binds eligible policies for appointed agents. HUB arranges coverage as a broker and, for accounts that meet its published size tests, points buyers to Insureon. The question is whether you already work through an agent who can access Coterie, or you need a retail broker—or HUB’s digital partner—to shop markets. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [27](https://www.hubinternational.com/about-us/ "About Us") [31](https://www.hubinternational.com/contact-us/ "Contact Us") ## Documented Provider Strengths ### Coterie Insurance - Agents can use prefilled business details to customize quotes and bind eligible small-business policies in one dashboard. [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.; verified: 2026-09-15.) - Policyholders can access documents, generate certificates, request changes and start claims online, with their agent handling coverage questions. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.; verified: 2026-09-15.) ### HUB International - HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.) - HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [31](https://www.hubinternational.com/contact-us/ "Contact Us") [34](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [35](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [36](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [29](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) ## Coverage Comparison | Coverage Type | Coterie Insurance | HUB International | | --- | --- | --- | | Builders risk | Not listed | Listed [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Business owner’s policy | Listed [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") | Listed [41](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | | Cargo and transit | Not listed | Listed [51](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Commercial auto | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Commercial property | Not listed | Listed [42](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | | Crime | Not listed | Listed [44](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Cyber liability | Not listed | Listed [36](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Directors and officers | Not listed | Listed [35](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Employee health and benefits | Not listed | Listed [53](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [24](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | | Employment practices liability | Not listed | Listed [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Equipment breakdown | Not listed | Listed [52](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | | Fidelity bonds | Not listed | Listed [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Fiduciary liability | Not listed | Listed [45](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | General liability | Listed [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [3](https://coterieinsurance.com/insurance/general-liability-insurance-for-small-business/ "General Liability Insurance for Small Business") | Listed [34](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | | Hired and non-owned auto | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Key person | Not listed | Listed [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Kidnap and ransom | Not listed | Listed [46](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Management liability | Not listed | Listed [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | | Medical malpractice | Not listed | Listed [48](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | | Product liability | Not listed | Listed [50](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Product recall | Not listed | Listed [50](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Professional liability / E&O | Listed [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") | Listed [37](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | | Representations and warranties | Not listed | Listed [49](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | | Surety bonds | Not listed | Listed [47](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | | Technology errors and omissions | Not listed | Listed [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | | Tools, equipment and inland marine | Not listed | Listed [51](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | | Trucking | Not listed | Listed [43](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | | Umbrella and excess liability | Not listed | Listed [50](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | | Virtual care and telehealth | Not listed | Listed [54](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | | Workers’ compensation | Not listed | Listed [40](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees. This is a service offered by the publisher, separate from the provider research. ## Key Differences Between Coterie and HUB International ### Managing General Agent Versus Retail Broker Coterie describes an agent-distributed managing general agent (MGA) that quotes and binds eligible small-business policies for appointed agents, not a public direct marketplace. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") HUB describes retail brokerage through subsidiaries licensed as brokers or agents, with mid-market intake on Contact Us rather than Coterie’s agent bind flow. [27](https://www.hubinternational.com/about-us/ "About Us") [28](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") Coterie’s site is not a direct-to-founder storefront equivalent to HUB Contact Us. Its workflow is built for agents using business details to quote and bind. HUB’s mid-market path is an advisor inquiry; its small-commercial path is Insureon, a HUB-affiliated digital agency, not Coterie. [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [57](https://www.insureon.com/about-us "About Insureon") ### Paper, Appetite, and Coastal Limits Coterie describes its carrier role for supported small-business products, including documented business owners policy and coastal limitations. HUB refers to hundreds of insurers and Strategic Carriers without publishing an appointment list. A coverage label missing from Coterie’s public catalogue does not establish that HUB cannot place it, and HUB’s longer catalogue does not establish that Coterie declined the risk. [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [4](https://coterieinsurance.com/insurance/business-owners-policy/ "Business Owner's Policy for Small Businesses") [30](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [32](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") ### Who You Call After the Policy Binds Coterie documents policyholder tools for documents, certificates, changes and starting claims, with the agent remaining involved in coverage questions. HUB describes local certificate work through specialist teams, a risk-management information system for some clients, and Insureon servicing when that channel is used. Ask which portal and which licensed entity would actually service the account. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") [56](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## What to Confirm in Quotes - **Access:** whether your current agent is appointed with Coterie, or you would appoint HUB or Insureon. [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [31](https://www.hubinternational.com/contact-us/ "Contact Us") - **Eligibility:** Coterie’s product and geography limits versus HUB’s unnamed California retail producer and Insureon’s published 0L09546 number. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [58](https://www.insureon.com/legal/licenses "Insurance Licenses by State") - **Change workflow:** who issues certificates and who must approve endorsements. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") ## Service Comparison Coterie vs HUB International: documented services and availability. | Criteria | Coterie Insurance | HUB International | | --- | --- | --- | | Business role | Coterie Insurance is a managing general agency and digital small-business insurance platform built primarily for licensed agents, brokers and distribution partners. It is not a direct-to-consumer insurance marketplace; a business owner is directed to work with an agent. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [19](https://coterieinsurance.com/newsroom/press-releases/allianz-x-announces-investment-in-coterie-insurance/ "Allianz X Announces Strategic Investment in Coterie Insurance") (Evidence: Company-reported; scope: Current public positioning of the Coterie brand and platform; does not establish the risk-bearing insurer for a policy.; verified: 2026-09-15.)

Coterie Applications, Inc. provides the platform under the website terms. Florida's current corporate record lists it as the member of Coterie Insurance Agency, LLC, the agency named in Coterie's footer; Massachusetts separately lists the agency with an active property-and-casualty producer license through December 28, 2026. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [22](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m18000010901-0623412c-4aaa-428e-8442-f67e744e8007&directionType=Initial&inquirytype=EntityName&listNameOrder=COTERIECOFFEEEQUIPMENT+L190000357770&searchNameOrder=COTERIEINSURANCEAGENCY+M180000109011&searchTerm=COTERIE+COFFEE+EQUIPMENT%2C+LLC "Coterie Insurance Agency, LLC Entity Record") [23](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download "Licensed Property and Casualty Agencies") (Evidence: Verified; scope: Corporate relationship and one regulator-confirmed producer license; not a nationwide license audit and not proof of product availability.; verified: 2026-09-15.)

Coterie's website lists multiple investors, and Allianz X records Coterie as a current direct investment after leading a 2025 Series C round. The reviewed sources do not establish an acquisition, a controlling parent or Coterie's complete current ownership table. [1](https://coterieinsurance.com/about/ "About Coterie Insurance") [19](https://coterieinsurance.com/newsroom/press-releases/allianz-x-announces-investment-in-coterie-insurance/ "Allianz X Announces Strategic Investment in Coterie Insurance") [20](https://allianzx.com/ "Allianz X Portfolio and News") [22](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m18000010901-0623412c-4aaa-428e-8442-f67e744e8007&directionType=Initial&inquirytype=EntityName&listNameOrder=COTERIECOFFEEEQUIPMENT+L190000357770&searchNameOrder=COTERIEINSURANCEAGENCY+M180000109011&searchTerm=COTERIE+COFFEE+EQUIPMENT%2C+LLC "Coterie Insurance Agency, LLC Entity Record") (Evidence: Not found in reviewed sources; scope: Public investor and corporate sources reviewed through September 15, 2026; beneficial ownership was not independently established.; verified: 2026-09-15.) | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [27](https://www.hubinternational.com/about-us/ "About Us") [28](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [32](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [27](https://www.hubinternational.com/about-us/ "About Us") [57](https://www.insureon.com/about-us "About Insureon") [58](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [59](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [60](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | | Application process | A licensed agent starts a quote in Coterie's dashboard with the client's business name and address, selects the principal industry, confirms or edits prefilled details, customizes coverage and pays to bind an eligible policy. Business owners who do not already have an agent can use Coterie's agent finder. [5](https://coterieinsurance.com/business-insurance-brokers/ "Agents and Business Insurance Brokers") [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-described standard agent workflow; does not cover referrals, manual underwriting exceptions or every partner integration.; verified: 2026-09-15.)

Coterie advertises bindable quotes in under two minutes for eligible standard risks. Its terms qualify that claim: a quote or estimate is not an insurance contract, and coverage remains subject to underwriting approval, eligibility verification and formal policy issuance. [6](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/ "Instant Bindable Small Business Insurance Quotes for Agents") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Marketing speed statement and controlling website terms; no independent timing test was performed.; verified: 2026-09-15.) | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [31](https://www.hubinternational.com/contact-us/ "Contact Us") [34](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [35](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [36](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [29](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | | Access to insurers | Coterie's terms say carrier partners underwrite and issue its policies. Its claims page identifies a separate Spinnaker Specialty route for surplus-lines policies beginning CSE, while its current coastal guide names Spinnaker Insurance Company only for eligible coastal Texas BOP risks. The issuing insurer therefore needs to be checked on each quote and policy. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") [11](https://coterieinsurance.com/claims/ "Claims") [17](https://coterieinsurance.com/blog/coterie-coastal-business-insurance-appetite/ "Coterie's Coastal Business Insurance Appetite") (Evidence: Company-reported; scope: Public carrier disclosures reviewed for the general platform, surplus-lines claim routing and the September 2026 coastal Texas BOP program; not an exhaustive carrier map.; verified: 2026-09-15.) | HUB’s compensation page says it has access to the products and services of hundreds of insurers and that it focuses on a smaller set of “Strategic Carriers,” which may pay enhanced compensation. Property, casualty and marine pages refer to domestic, national, regional, specialty and global carrier relationships without publishing a complete appointment list. ProEx says it places more than $2 billion of premium with top-rated insurance carriers; that volume and rating language is company-reported and does not name the carriers. Issuing insurers therefore have to be taken from a quote, not from the public catalogue. [30](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [42](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [50](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [51](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: No verified HUB-wide carrier panel. Strategic-carrier focus is a compensation and placement practice, not a finding that only those markets are used.; verified: 2026-09-16.)

Insureon says it has access to 100+ insurance providers and names The Hartford, Chubb, Hiscox, Liberty Mutual and Travelers as examples. Those names are Insureon’s examples for its digital agency, not a statement that every HUB retail placement uses the same insurers, and they do not identify the issuing company on a particular policy. [57](https://www.insureon.com/about-us "About Insureon") (Evidence: Company-reported; scope: Insureon About Us examples only. Availability varies by product, state and underwriting.; verified: 2026-09-16.) | | Coverage lines | Coterie's current core catalogue consists of a business owner's policy (BOP), standalone general liability and miscellaneous professional liability (MPL/E&O). A BOP combines liability with property coverage; the other two are distinct policies. [2](https://coterieinsurance.com/insurance/ "Insurance for Small Businesses") [4](https://coterieinsurance.com/insurance/business-owners-policy/ "Business Owner's Policy for Small Businesses") [3](https://coterieinsurance.com/insurance/general-liability-insurance-for-small-business/ "General Liability Insurance for Small Business") [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") (Evidence: Company-reported; scope: Current direct product pages and December 2025 product guides reviewed; optional endorsements are recorded separately rather than treated as standalone lines.; verified: 2026-09-15.)

Coterie's December 2025 BOP guide states eligibility of up to $10 million in revenue and 50 employees, reduced to $5 million and 15 employees for contractors. It lists up to $1 million in building value and $500,000 in business personal property, with limits and availability still varying by state, industry and quote. [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: December 2025 agent brochure; marketing summary, not policy wording or an eligibility guarantee.; verified: 2026-09-15.)

Coterie currently markets cyber, workplace violence, employment practices liability, restaurant, liquor liability and contractors equipment endorsements. Its BOP guide also lists optional hired and non-owned auto liability, equipment breakdown, drone liability and other property extensions. These are optional additions, not evidence of separate standalone policies. [12](https://coterieinsurance.com/producer-resources/coterie-insurance-endorsements/ "Coterie Insurance Endorsements") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") [15](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Cyber%20Insurance%20Product%20Overview.pdf "Cyber Insurance Overview") [16](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Workplace%20Violence%20Product%20brochure.pdf "Workplace Violence Insurance Overview") (Evidence: Company-reported; scope: April 2026 endorsement directory and December 2025 BOP guide; selection depends on base product, business class, state and underwriting.; verified: 2026-09-15.)

Coterie's MPL is a claims-made professional liability policy for listed service professions. Its current guide says the basic policy includes a 60-day extended reporting period and offers longer periods for purchase; retroactive coverage and limits depend on the selected terms and eligibility. [14](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf "Miscellaneous Professional Liability Policy Overview and Product Highlights") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: December 2025 MPL guide; an actual proposal and policy control coverage.; verified: 2026-09-15.)

Coterie's claims page expressly says it does not write workers' compensation or automobile policies. Hired and non-owned auto appears only as an optional liability endorsement in the BOP guide and should not be read as commercial auto physical-damage coverage. [11](https://coterieinsurance.com/claims/ "Claims") [13](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "BOP Product Overview") (Evidence: Company-reported; scope: Current claims FAQ and BOP guide; does not address products another agent or partner may place outside Coterie.; verified: 2026-09-15.) | HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [32](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [34](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [42](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [40](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [41](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [43](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [36](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [35](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [37](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [38](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [44](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [45](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [46](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [47](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [48](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [51](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [52](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [49](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [50](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [53](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)

For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [33](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.; verified: 2026-09-16.) | | Servicing and renewals | Policyholders can use My Policy Center, request policy changes, generate certificates and start a claim online. Coterie tells policyholders to use their agent or broker first for coverage questions and provides public sample BOP, general liability and professional liability forms for orientation. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public policyholder resources; tool availability and authority to change coverage can depend on the policy and agent relationship.; verified: 2026-09-15.)

Coterie's policyholder FAQ says each business location must have its own policy rather than listing several operating addresses on one Coterie policy. [10](https://coterieinsurance.com/policyholder-resources/ "Policyholder Resources") (Evidence: Company-reported; scope: General policyholder FAQ as of September 15, 2026; confirm how mailing, temporary, project and additional locations are treated in the proposed form.; verified: 2026-09-15.)

Unless a policy says otherwise, Coterie's terms describe a 12-month policy that may renew automatically. Renewal charges may use the payment method on file, and the policyholder can contact Coterie or use account tools to change renewal preferences. [8](https://coterieinsurance.com/legal/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Website terms effective December 16, 2025; the proposed policy, renewal notice and applicable state law control.; verified: 2026-09-15.) | HUB describes ongoing servicing through local account teams (ProEx notes local policy review and certificates of insurance), a Risk Management Information System for claims administration, certificate tracking and carrier/TPA data, and employee-benefits work that includes multi-year cost planning and renewal support. RMIS is described as available in various tiers. None of those pages publish a standard service-level agreement or fee for those tools. [39](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [56](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [53](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | ## Related Reading - [What Is Coterie Insurance?](https://spot.insure/insurance-providers/coterie) - [What Is HUB International?](https://spot.insure/insurance-providers/hub-international) ## Related Comparisons - [Alliance Risk vs Coterie Insurance](https://spot.insure/compare/alliance-risk-vs-coterie) - [Alliance Risk vs HUB International](https://spot.insure/compare/alliance-risk-vs-hub-international) - [Amelia Risk vs Coterie](https://spot.insure/compare/amelia-risk-vs-coterie) - [Amelia Risk vs HUB International](https://spot.insure/compare/amelia-risk-vs-hub-international) - [Armilla vs Coterie Insurance](https://spot.insure/compare/armilla-vs-coterie) - [Armilla vs HUB International](https://spot.insure/compare/armilla-vs-hub-international) - [At-Bay vs Coterie Insurance](https://spot.insure/compare/at-bay-vs-coterie) - [At-Bay vs HUB International Insurance](https://spot.insure/compare/at-bay-vs-hub-international) - [Beazley vs Coterie Insurance](https://spot.insure/compare/beazley-vs-coterie) - [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international) - [CFC vs Coterie](https://spot.insure/compare/cfc-vs-coterie) - [CFC vs HUB International](https://spot.insure/compare/cfc-vs-hub-international) - [Chubb vs Coterie](https://spot.insure/compare/chubb-vs-coterie) - [Chubb vs HUB International](https://spot.insure/compare/chubb-vs-hub-international) - [Coalition vs Coterie Insurance](https://spot.insure/compare/coalition-vs-coterie) - [Coalition vs HUB International](https://spot.insure/compare/coalition-vs-hub-international) - [Corgi vs Coterie Insurance](https://spot.insure/compare/corgi-vs-coterie) - [Corgi vs HUB International](https://spot.insure/compare/corgi-vs-hub-international) - [Coterie Insurance vs Coverdash](https://spot.insure/compare/coterie-vs-coverdash) - [Coterie Insurance vs Cowbell](https://spot.insure/compare/coterie-vs-cowbell) - [Coterie Insurance vs Embroker](https://spot.insure/compare/coterie-vs-embroker) - [Coterie Insurance vs Founder Shield](https://spot.insure/compare/coterie-vs-foundershield) - [Coterie Insurance vs Gallagher](https://spot.insure/compare/coterie-vs-gallagher) - [Coterie Insurance vs Harper](https://spot.insure/compare/coterie-vs-harper) - [Coterie vs Heffernan](https://spot.insure/compare/coterie-vs-heffernan) - [Coterie vs Hiscox](https://spot.insure/compare/coterie-vs-hiscox) - [Coterie Insurance vs Kinro](https://spot.insure/compare/coterie-vs-kinro) - [Coterie Insurance vs Layr](https://spot.insure/compare/coterie-vs-layr) - [Coterie vs Lockton](https://spot.insure/compare/coterie-vs-lockton) - [Coterie vs Marsh](https://spot.insure/compare/coterie-vs-marsh) - [Coterie Insurance vs Mylo](https://spot.insure/compare/coterie-vs-mylo) - [Coterie Insurance vs Newfront](https://spot.insure/compare/coterie-vs-newfront) - [Coterie Insurance vs ERGO NEXT Insurance](https://spot.insure/compare/coterie-vs-next-insurance) - [Coterie Insurance vs Pie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance) - [Coterie Insurance vs Relm Insurance](https://spot.insure/compare/coterie-vs-relm) - [Coterie Insurance vs Resilience](https://spot.insure/compare/coterie-vs-resilience) - [Coterie Insurance vs RiskCube](https://spot.insure/compare/coterie-vs-riskcube) - [Coterie Insurance vs Risklytics Insurance](https://spot.insure/compare/coterie-vs-risklytics) - [Coterie Insurance vs StartupInsurance.ai](https://spot.insure/compare/coterie-vs-startupinsurance) - [Coterie Insurance vs TechInsurance](https://spot.insure/compare/coterie-vs-techinsurance) - [Coterie Insurance vs The Hartford](https://spot.insure/compare/coterie-vs-the-hartford) - [Coterie vs Travelers Insurance](https://spot.insure/compare/coterie-vs-travelers) - [Coterie vs USI](https://spot.insure/compare/coterie-vs-usi) - [Coterie Insurance vs Vouch](https://spot.insure/compare/coterie-vs-vouch) - [Coterie Insurance vs WithCoverage](https://spot.insure/compare/coterie-vs-withcoverage) - [Coverdash vs HUB International](https://spot.insure/compare/coverdash-vs-hub-international) - [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international) - [Embroker vs HUB International](https://spot.insure/compare/embroker-vs-hub-international) - [Founder Shield vs HUB International](https://spot.insure/compare/foundershield-vs-hub-international) - [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international) - [Harper vs HUB International](https://spot.insure/compare/harper-vs-hub-international) - [Heffernan vs HUB International](https://spot.insure/compare/heffernan-vs-hub-international) - [Hiscox vs HUB International](https://spot.insure/compare/hiscox-vs-hub-international) - [HUB International vs Kinro](https://spot.insure/compare/hub-international-vs-kinro) - [HUB International vs Layr](https://spot.insure/compare/hub-international-vs-layr) - [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton) - [HUB International vs Marsh](https://spot.insure/compare/hub-international-vs-marsh) - [HUB International vs Mylo](https://spot.insure/compare/hub-international-vs-mylo) - [HUB International vs Newfront](https://spot.insure/compare/hub-international-vs-newfront) - [HUB International vs NEXT Insurance](https://spot.insure/compare/hub-international-vs-next-insurance) - [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) - [HUB International vs Relm Insurance](https://spot.insure/compare/hub-international-vs-relm) - [HUB International vs Resilience](https://spot.insure/compare/hub-international-vs-resilience) - [HUB International vs RiskCube](https://spot.insure/compare/hub-international-vs-riskcube) - [HUB International vs Risklytics](https://spot.insure/compare/hub-international-vs-risklytics) - [HUB International vs StartupInsurance.ai](https://spot.insure/compare/hub-international-vs-startupinsurance) - [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance) - [HUB International vs The Hartford](https://spot.insure/compare/hub-international-vs-the-hartford) - [HUB International vs Travelers](https://spot.insure/compare/hub-international-vs-travelers) - [HUB International vs USI](https://spot.insure/compare/hub-international-vs-usi) - [HUB International vs Vouch](https://spot.insure/compare/hub-international-vs-vouch) - [HUB International vs WithCoverage](https://spot.insure/compare/hub-international-vs-withcoverage) ## Sources ### [Coterie Insurance Official Website](https://coterieinsurance.com/) 1. [About Coterie Insurance](https://coterieinsurance.com/about/). Coterie Insurance; Agent and broker focus; company history; investors; agency name, NPN and Wisconsin license in footer. Accessed 2026-09-15. 2. [Insurance for Small Businesses](https://coterieinsurance.com/insurance/). Coterie Insurance; General Liability, Business Owners Policies and Professional Liability sections; agent distribution; footer agency disclosure. Accessed 2026-09-15. 3. [General Liability Insurance for Small Business](https://coterieinsurance.com/insurance/general-liability-insurance-for-small-business/). Coterie Insurance; How General Liability Insurance Works and Common Questions sections. Accessed 2026-09-15. 4. [Business Owner's Policy for Small Businesses](https://coterieinsurance.com/insurance/business-owners-policy/). Coterie Insurance; Package components and exclusions from the typical BOP description. Accessed 2026-09-15. 5. [Agents and Business Insurance Brokers](https://coterieinsurance.com/business-insurance-brokers/). Coterie Insurance; How It Works steps; nationwide product statement; dashboard service statement. Accessed 2026-09-15. 6. [Instant Bindable Small Business Insurance Quotes for Agents](https://coterieinsurance.com/blog/instant-bindable-small-business-insurance-for-agents/). Coterie Insurance; Built for Agents and Brokers; online workflow; core lines; endorsements; availability sections. Accessed 2026-09-15. 7. [Quick Start: Quote and Bind Small Business Insurance With Coterie](https://coterieinsurance.com/blog/quick-start-quote-bind-small-business-insurance-with-coterie/). Coterie Insurance; Five-Step Quote-to-Bind Workflow and Does Coterie Work in All 50 States sections. Accessed 2026-09-15. 8. [Terms and Conditions](https://coterieinsurance.com/legal/terms-and-conditions/). Coterie Insurance; Effective December 16, 2025; Sections 1, 5, 6 and 10. Accessed 2026-09-15. 9. [Privacy Policy](https://coterieinsurance.com/legal/privacy/). Coterie Insurance; Introduction; Section 6, Payment and Commissions Processing; carrier privacy links. Accessed 2026-09-15. 10. [Policyholder Resources](https://coterieinsurance.com/policyholder-resources/). Coterie Insurance; Account, policy-change, certificate, claims, multiple-location and sample-policy sections. Accessed 2026-09-15. 11. [Claims](https://coterieinsurance.com/claims/). Coterie Insurance; Reporting routes; response timing; settlement timing; excluded workers' compensation and auto claims; cyber and workplace-violence FAQs. Accessed 2026-09-15. 12. [Coterie Insurance Endorsements](https://coterieinsurance.com/producer-resources/coterie-insurance-endorsements/). Coterie Insurance; Cyber, Workplace Violence, Employment Practices, Restaurant, Liquor Liability and Contractors Equipment list; product caveat. Accessed 2026-09-15. 13. [BOP Product Overview](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf). Coterie Insurance; Pages 1-5: eligibility criteria, base property and liability coverages, additional extensions and mandatory forms. Accessed 2026-09-15. 14. [Miscellaneous Professional Liability Policy Overview and Product Highlights](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/Professional%20Liability%20Brochure_December2025.pdf). Coterie Insurance; Pages 1-7: eligible professions, unavailable jurisdictions, limits, claims-made terms and exclusions. Accessed 2026-09-15. 15. [Cyber Insurance Overview](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Cyber%20Insurance%20Product%20Overview.pdf). Coterie Insurance; Pages 1-2: coverage, criteria, limits and Cyberscout services. Accessed 2026-09-15. 16. [Workplace Violence Insurance Overview](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/2025%20Appetite%20Content/Workplace%20Violence%20Product%20brochure.pdf). Coterie Insurance; Pages 1-2: endorsement status, criteria, services and limits. Accessed 2026-09-15. 17. [Coterie's Coastal Business Insurance Appetite](https://coterieinsurance.com/blog/coterie-coastal-business-insurance-appetite/). Coterie Insurance; September 11, 2026 state-by-state coastal BOP eligibility, limits, exclusions and Texas carrier statement. Accessed 2026-09-15. 18. [Current Moratoriums](https://coterieinsurance.com/producer-resources/current-moratoriums/). Coterie Insurance; Active BOP catastrophe moratoriums, updated September 2-4, 2026; effect on new business and changes. Accessed 2026-09-15. 19. [Allianz X Announces Strategic Investment in Coterie Insurance](https://coterieinsurance.com/newsroom/press-releases/allianz-x-announces-investment-in-coterie-insurance/). Coterie Insurance and Allianz X; September 11, 2025 announcement; MGA role; Series C investment and reinsurance relationship. Accessed 2026-09-15. 20. [Allianz X Portfolio and News](https://allianzx.com/). Allianz X; Current Direct Investments and September 11, 2025 Coterie strategic-investment entry. Accessed 2026-09-15. 21. [Coterie BOP and GL Products Available Through Progressive](https://coterieinsurance.com/newsroom/press-releases/coterie-insurance-collaboration-with-progressive-insurance/). Coterie Insurance; November 20, 2025 agency relationship and Progressive BusinessQuote Explorer distribution scope. Accessed 2026-09-15. 22. [Coterie Insurance Agency, LLC Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m18000010901-0623412c-4aaa-428e-8442-f67e744e8007&directionType=Initial&inquirytype=EntityName&listNameOrder=COTERIECOFFEEEQUIPMENT+L190000357770&searchNameOrder=COTERIEINSURANCEAGENCY+M180000109011&searchTerm=COTERIE+COFFEE+EQUIPMENT%2C+LLC). Florida Department of State, Division of Corporations; Active foreign LLC record; January 6, 2026 annual report; Coterie Applications, Inc. listed as member. Accessed 2026-09-15. 23. [Licensed Property and Casualty Agencies](https://www.mass.gov/doc/licensed-p-and-c-agenciespdf/download). Massachusetts Division of Insurance; Coterie Insurance Agency, LLC; license 19000811; approval period December 28, 2025 through December 28, 2026. Accessed 2026-09-15. ### [HUB International Official Website](https://www.hubinternational.com) 24. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16. 25. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16. 26. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16. 27. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16. 28. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16. 29. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16. 30. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16. 31. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16. 32. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16. 33. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16. 34. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16. 35. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16. 36. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16. 37. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16. 38. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16. 39. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16. 40. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16. 41. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16. 42. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16. 43. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16. 44. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16. 45. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16. 46. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16. 47. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16. 48. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16. 49. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16. 50. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16. 51. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16. 52. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16. 53. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16. 54. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16. 55. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16. 56. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16. 57. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16. 58. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16. 59. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16. 60. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16. 61. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16. Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/coterie-vs-hub-international.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)