--- title: "Coterie Insurance Business Owner’s Policy" description: "What Coterie Insurance Business Owner’s Policy covers, who it’s for, and its limits and retentions, cited to Coterie Insurance’s own published sources." canonical: "https://spot.insure/insurance-providers/coterie/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/coterie/business-owners-policy) # Coterie Insurance Business Owner’s Policy Coterie Business Owner's Policy (BOP) Coterie distributes its BOP only through appointed agents and brokers, not directly to businesses; its SimplyBind platform lets an agent quote and bind a policy after entering the client's business name and address. [1](https://coterieinsurance.com/insurance/business-owners-policy/ "What is a Business Owners Policy for a small business?") (Evidence: Company-reported; scope: Business Owners Policy page 'Ready, set, and bind' and 'How it Works' sections.) ## Issuing Insurer - Coterie says its BOP is an admitted product backed by an 'A-rated EXCELLENT' carrier rating, but the reviewed pages do not name the specific underwriting insurer for the BOP. [1](https://coterieinsurance.com/insurance/business-owners-policy/ "What is a Business Owners Policy for a small business?") (Evidence: Company-reported; scope: 'Cutting edge solutions' paragraph on the BOP page.) ## Who It’s For - Coterie's BOP brochure sets qualification criteria of up to 50 employees (15 for contractors), up to $10M in revenue ($5M for contractors), and up to $1M in building property total insured value. [2](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "Business Owner's Policy (BOP) Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: BOP brochure 'Criteria Qualification' table.) ## Coverage Features - Coterie's base BOP combines commercial property, general liability, and business-interruption coverage, using the Special Causes of Loss form BP 00 03, and includes coverage extensions such as accounts receivable, business income from dependent properties, electronic data, and forgery or alteration. [1](https://coterieinsurance.com/insurance/business-owners-policy/ "What is a Business Owners Policy for a small business?") [2](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "Business Owner's Policy (BOP) Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: BOP page bundle description and BOP brochure 'Coverages Included In Coterie's Base Policy'.) - Coterie lists optional endorsements for the BOP including employment practices liability, hired and non-owned auto liability, liquor liability, equipment breakdown, employee dishonesty, and unmanned aircraft/drone liability (excluding hull coverage). [2](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "Business Owner's Policy (BOP) Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: BOP brochure 'Additional Coverage Extensions and Limits Available' and 'BOP Liability Highlights' lists.) ## Limits and Retentions - Coterie's BOP offers liability and medical-expense limit options of $300,000/$500,000/$1,000,000/$2,000,000 per occurrence, with products/completed-operations and other-than-products aggregates set at two times that limit, and $5,000 in medical expenses per person; $2,000,000/$4,000,000 liability limits are not available for contractors in CA, CO, FL, NY, or TX, or when liquor liability is selected. [2](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf "Business Owner's Policy (BOP) Product Highlights for Agents and Brokers") (Evidence: Company-reported; scope: BOP brochure 'BOP Liability Highlights' and 'Available Limits' table.) ## How to Apply - Coterie says agents confirm a client's business name and address, select an industry, confirm prefilled business details, then customize and bind coverage, all in minutes, and claims this is 75%+ faster than traditional processes. [1](https://coterieinsurance.com/insurance/business-owners-policy/ "What is a Business Owners Policy for a small business?") (Evidence: Company-reported; scope: 'SimplyBind Experience' four-step walkthrough on the BOP page; speed figure is company-reported.) ## Coterie Insurance Business Owner’s Policy Compared - [Coterie Insurance vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-coterie/business-owners-policy) - [Coterie Insurance vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-coterie/business-owners-policy) - [Coterie Insurance vs Chubb](https://spot.insure/compare/chubb-vs-coterie/business-owners-policy) - [Coterie Insurance vs Corgi](https://spot.insure/compare/corgi-vs-coterie/business-owners-policy) - [Coterie Insurance vs Coverdash](https://spot.insure/compare/coterie-vs-coverdash/business-owners-policy) - [Coterie Insurance vs Embroker](https://spot.insure/compare/coterie-vs-embroker/business-owners-policy) ## Other Coterie Insurance Coverage Lines - [Coterie Insurance General Liability Insurance](https://spot.insure/insurance-providers/coterie/general-liability) - [Coterie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/coterie/professional-errors-omissions) ## Related - [Coterie Insurance Profile](https://spot.insure/insurance-providers/coterie) - [Coterie Insurance Reliability](https://spot.insure/insurance-providers/coterie/reliability) - [Coterie Insurance Alternatives](https://spot.insure/insurance-providers/coterie/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 1. [What is a Business Owners Policy for a small business?](https://coterieinsurance.com/insurance/business-owners-policy/) Coterie Insurance; BOP definition; 'Cutting edge solutions' paragraph (admitted products in all 50 states, A-rated EXCELLENT carrier ratings); SimplyBind quote-and-bind steps. Accessed 2026-09-23. 2. [Business Owner's Policy (BOP) Product Highlights for Agents and Brokers](https://8588529.fs1.hubspotusercontent-na1.net/hubfs/8588529/Current%20Appetite%20Content/BOP%20Product%20Brochure_December%202025.pdf). Coterie Insurance; Criteria Qualification (Employees, Revenue, Building Property); BOP Property Highlights and coverage extensions; BOP Liability Highlights and limit options; Mandatory Countrywide BOP Policy Forms list. Accessed 2026-09-23. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). 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