Coterie Insurance vs Resilience

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. ^1,6,19

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. ^8,1,22,23

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. ^1,19,20,22

Resilience combines cyber insurance and technology errors and omissions insurance with cybersecurity risk-management services. ^24,26,27

Resilience identifies Ocrea Risk Services, LLC, doing business as Resilience Cyber Insurance Solutions, as its US insurance distributor and lists NPN 19169260. This company disclosure is not independent verification of a California license. ²⁵

Coterie markets its program for small and micro commercial accounts, including new and home-based businesses, subject to its industry, location and underwriting appetite. ^1,5,6

Resilience lists US technology E&O appetite of $25 million–$10 billion in revenue, including software, AI, hardware, technology services, data centers and telecommunications. Smaller startups should ask whether an exception is available. ²⁷

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. ^5,6,2

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. ^6,8

Resilience presents insurance to brokers through a dedicated broker page and offers a public contact route for product inquiries. The reviewed pages do not document an end-to-end self-service purchase or a guaranteed quote or binding time. ^28,30

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. ^10,8

Coterie's policyholder FAQ says each business location must have its own policy rather than listing several operating addresses on one Coterie policy. ¹⁰

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

Resilience markets Edge for prioritizing security spending by estimated financial impact, and Arc for viewing cyber risk across multiple entities. These are risk-management services, not additional insurance coverage lines. ^31,32

Resilience states that buying insurance is not tied to buying security services. Confirm which services are included in the proposed package and which require a separate agreement. ²⁵

The current broker and product pages reviewed do not specify renewal documentation, a renewal price commitment or a standard servicing turnaround. ^28,26,27

Coterie accepts standard and surplus-lines claim reports online and standard reports by phone. It asks for the policy number, named insured, loss date, event description and carrier name, then assigns a claims representative to investigate under the policy terms. ^11,8

Coterie's policyholder page says its team will reach out around two business days after an online claim report, while the claims page says to expect contact within three to five business days. The claims page gives no standard settlement timeline. ^10,11

Coterie directs cyber claim reports through its normal intake and says it works with Cyberscout on the investigation. Workplace-violence reports also start with Coterie before a specialty partner handles the response. These service descriptions do not establish that an event is covered. ^11,15,16,8

Resilience describes a 24/7 in-house claims team, a dedicated claims manager through settlement, and outside specialists in privacy law, forensics, recovery and crisis communications. These are company-reported service arrangements, not independently measured claims quality. ²⁹