# Coterie Insurance

> Small business insurance, modernized

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | NA |
| Headquarters | Appleton, Wisconsin (relocated from Cincinnati, OH May 2025) |
| Founded | 2018 |
| Stage | Growth |
| Employees | 51-200 (~133-141) |

## 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

## Links

- Website: <https://coterieinsurance.com>
- Directory profile: <https://insurtechlist.com/companies/coterie/>
- Blog: <https://coterieinsurance.com/blog/>
- Press: <https://coterieinsurance.com/newsroom/>
- Careers: <https://coterieinsurance.com/careers/>
- Linkedin: <https://www.linkedin.com/company/coterieinsure>
- Documentation: <https://docs.coterieinsurance.com/>

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*Last updated: 2026\-03\-25*