Business Owner Policy
Access new markets with Coterie
Access Coterie's tech-forward solutions and markets that cover over 80% of small business classes. Coterie is designed to navigate the complexities of small commercial insurance faster than ever.
Earn 12% Commission
when you bind directly with Coterie under your IUA sub-appointment
Increased Commissions • Sub-Appointments • Online Quote-to-Bind
Access
markets without the termination risk
Gain
greater control over your book of business
Access
a sophisticated suite of automated tools
Coterie,
backed by IUA
As a wholesaler trusted by 50+ carriers, IUA gives you the markets others overlook. With Coterie, it's never been easier to search for codes, and it does a lot of the work for you when it comes to servicing your client.
Why Coterie
DIGITAL · INSTANT · REAL-TIME UNDERWRITING
- Admitted Products in all 50 states
- Data-Driven Accuracy reducing misclassification & minimizing post-bind audits
- Appetite includes more than 80% of small business classes
- Products include BOP, GL & PL
- A and A+ rated licensed insurers/reinsurers backing
- 24-7 Quoting Link for clients to quote directly
- 90-Second automated engine delivers bindable quotes
- Admitted Products in all 50 states
TOP 10 CLASSES
Specialized Classes
01 722511 Full-Service Restaurants
02 722513 Limited-Service Restaurants
03 238220 Plumbing, Heating, and AC Contractors
04 236118 Residential Remodelers
05 445110 Supermarkets and Other Grocery
06 445120 Convenience Stores
07 561790 Other Services to Buildings & Dwellings
08 561720 Janitorial Services
09 812310 Coin-Operated Laundries & Dry Cleaners
10 561730 Landscaping Services
Appetite Guide
A wide appetite across the everyday classes that make up your book
General Liability
Misc. Professional Liability
RETAIL & CONSUMER
GOODS
Grocery Stores · Convenience Stores · Jewelry Stores · Auto Parts and Accessories
FOOD
& DINING
Full-Service Restaurants · Limited-Service Restaurants · Food Trucks
HOME & MAINTENANCE
SERVICES
Plumbers · Landscapers · Arborists · Handymen · Pressure Washers · Alarm Installers · Electricians · Janitorial/Building Cleaning
HEALTH
& WELLNESS
Medical Offices · Spas
PROFESSIONAL
SERVICES
Consultants · Real Estate Agents & Property Managers
PERSONAL
SERVICES
Dry Cleaners/Laundromats · Pet Grooming · Beauty Salons [+MPL]
Manage My Risk
Empower your clients to be safer, stronger, and more resilient with Coterie’s Manage My Risk program.
DIFFERENTIATE YOUR OFFERING
Provide a unique, value-add resource that goes beyond the policy.
STRENGTHEN CLIENT LOYALTY & BUILD TRUST
Give businesses tangible tools that make insurance feel like partnership, not just protection.
BOOST RETENTION & REFERRALS
Positive results create satisfied clients who remain engaged and spread the word.
What's Included?
Designed to help your clients strengthen their business and reduce risk.
- Quick risk assessments
- Personalized risk-control plans
- Subsidized premium upgrade
- Up-to-date OSHA information
- Downloadable safety guides
- Compliance checklists
- Flexible business banking and credit lines
- No monthly fees & Unlimited transactions
- Ability to earn interest
- Business credit snapshots
- Funding options
- Nav Prime upgrade to boost credit scores
More Markets Through IUA
GOT A RISK? COME TO IUA FIRST!
