What Are the Key Differences Between Coterie Insurance and Embroker Business Owner’s Policy?
Self-Serve Quote or Agent-Only
With Embroker you start the quote on its own platform. With Coterie you can't: an appointed agent confirms your name, address and industry, then quotes and binds on SimplyBind. Choose Embroker if you want to quote without an agent, work from home, or have 51 to 99 employees; choose Coterie if you already have an agent appointed with it and need liquor liability, hired auto or drone liability on the BOP. [3] [2] [1]
Size Limits
Coterie takes up to 50 employees, $10 million in revenue and $1 million in building value. Contractors get tighter caps of 15 employees and $5 million in revenue. Embroker takes businesses with fewer than 100 employees, under $10 million in revenue and a physical location, and it counts a home office. A 60-person firm fits Embroker's stated criteria but not Coterie's. Coterie doesn't say whether a home office qualifies, so ask your agent. [1] [3]
Endorsements and Limits
Embroker lets you add professional liability, employment practices liability, and property add-ons such as spoiled merchandise or mechanical breakdown. Coterie offers employment practices liability, hired and non-owned auto, liquor liability, equipment breakdown, employee dishonesty and unmanned aircraft liability (not the drone itself). Coterie also publishes occurrence limits from $300,000 to $2 million; Embroker publishes none, so ask for its limit options before you compare price. [3] [1]
What Should You Confirm in Coterie Insurance and Embroker Business Owner’s Policy Quotes?
- Check headcount, contractor status, revenue and whether you work from home against both size limits. [1] [3]
- Ask both which insurer issues the policy; Coterie describes an A-rated carrier without naming it, and Embroker names none. [2] [3]
- Check which coverages Embroker says are not in its BOP against Coterie's optional list. [1] [3]
- Get occurrence and aggregate limits from Embroker in writing. [3]