Overview
Coterie Insurance is a tech-enabled Managing General Agent (MGA) specializing in commercial property and casualty insurance for small and micro-businesses. Founded in 2018 by David McFarland, Kevin Mackey, and Tim Metzner in Cincinnati, Ohio, the company relocated its headquarters to Appleton, Wisconsin in May 2025. Coterie offers a 100% data-powered underwriting platform delivering instant, bindable quotes in under one minute.
The company surpassed $200M in direct written premium in 2025, achieved 66% YoY growth in in-force premium, and exceeded 100,000 policies in force. Coterie is licensed in all 50 states and DC, backed by A-rated insurers and reinsurers including Allianz Re. The company raised a Series C led by Allianz X in September 2025.
Products & Services
Business Owner's Policy (BOP)
Commercial property, general liability, and business income coverage bundled for small businesses.
Key Features
- Commercial property protection
- General liability coverage
- Business income and extra expense
- Standard year-long and flexible-duration policies
Target Users: Small and micro-businesses across all industries
Distribution: Retail agents, digital platforms, API partners
General Liability (GL)
Bodily injury and property damage protection for small businesses.
Key Features
- Bodily injury and property damage
- Personal and advertising injury
- Products-completed operations
- Medical payments
Target Users: Small businesses needing standalone liability coverage
Distribution: Retail agents, digital platforms, API partners
Professional Liability / E&O
Coverage for incomplete or inadequate work claims.
Key Features
- Errors and omissions protection
- Defense costs coverage
- Negligent acts, errors, or omissions
- Incomplete or inadequate work claims
Target Users: Service-based small businesses and professionals
Distribution: Retail agents, digital platforms, API partners
Cyber Insurance
Digital risk protection for small businesses.
Key Features
- Data breach response
- Cyber liability
- Business interruption from cyber events
- Ransomware protection
Target Users: Small businesses with digital exposure
Distribution: Retail agents, digital platforms, API partners
Workplace Violence Coverage
Specialized protection against workplace violence incidents.
Key Features
- Workplace violence incident coverage
- Specialized protection for small businesses
- Instant bindable quotes in under 1 minute
- 100% data-powered underwriting
- Both standard year-long and flexible-duration policies
- 65% of policies bound within 24 hours
Target Users: Small businesses seeking violence-related risk protection
Distribution: Retail agents, digital platforms, API partners