As an insurance agent or broker, you play a critical role in helping your small business clients prepare for the risks associated with extreme spring weather. In this article, we’ll provide spring weather safety tips to help your small business clients prepare for and minimize the risks associated with extreme weather.  It’s important to start by understanding the types of spring weather events that can cause damage to businesses. Tornadoes, severe thunderstorms, flooding, blizzards, and excessive heat are some of the most common weather events that can cause significant property dam ..read more

Running a small business involves a variety of decisions – from inventory management and interior design choices to hiring considerations and bidding strategies. Amidst these daily choices, there’s one critical area that should not be overlooked: understanding your insurance obligations. Whether you’re a seasoned entrepreneur or just starting, being aware of the impact that your decisions can have on business insurance claims is essential.  Business Decisions and Their Implications  As a small business owner, you often find yourself in situations where you need to make decisions ..read more

Convenience stores play a crucial role in meeting the immediate needs of customers on the go. With an average 4.2% growth in the number of convenience stores over the past five years this industry represents a significant opportunity for insurance agents and brokers. However, it’s essential to understand the unique risks associated with this retail sector. Here’s a comprehensive guide to insurance for convenience stores that agents and brokers should keep in mind when serving clients in this business class.  Understanding the Operations  Convenience stores, falling under the cat ..read more

In the ever-evolving landscape of small service-based businesses like janitorial or professional cleaning services, the challenges faced today are both diverse and demanding. As of 2022, there were over 1.1 million janitorial services businesses in the U.S., an increase of 6.9% from 2021. For dedicated insurance agents and brokers who specialize in this sector, it is crucial to recognize and address the unique hurdles that these types of businesses encounter daily. Coterie Insurance is committed to providing comprehensive coverage to today’s small businesses, and stands ready to navigate these ..read more

Helping your small business clients navigate the challenges of winter weather is crucial for their safety and continuing and maintaining operations. While winter preaparedness focus is often on staying open for business, it’s equally important to consider employee safety. Here’s a comprehensive guide to help your clients prepare and address the impact of winter weather on their business.  Navigating Employee Pay  Winter weather can lead to business closures or hinder employees from reaching work. Help your clients address pay-related issues:  Non-Exempt Employees: For hourly em ..read more

Winter may bring a busy holiday shopping season for many small businesses but it can also bring extreme temperatures. That’s why preparation for this brutal season that can quickly cause long-term and expensive damage to your business property can never start early enough. In this blog post, we’re going to share 6 ways you can winterize your small business.   Purchase salt and caution signs for sidewalks  Does your business property have eaves that collect icicles during the winter? Does the sidewalk in front of and leading up to your busines ..read more

The holiday shopping season is a bustling time for small businesses, marked by events like Small Business Saturday As the festive spirit fills the air, it’s crucial for these enterprises to not only capitalize on the increased foot traffic but also to safeguard their operations against potential risks. In this blog post, we’ll explore how insurance agents and brokers can play a pivotal role in helping small business clients prepare for the holiday rush.  1. Policy Review and Update:  As the holiday season brings unique challenges, insurance agents should kick off preparations by revi ..read more

So, you have a Coterie Find an Agent page? Congratulations! However, you may now be wondering – what can I do to make the most out of this program and enable my insurance agency growth?   As a commercial insurance agent, you have a valuable opportunity to connect with small businesses seeking your expertise. It is highly recommended that you take a few proactive steps to promote your business and maximize your success when leveraging your Coterie Find an Agent page alongside your custom My Digital Agency online quoting experience.  In this blog post, we’ll explore several effective s ..read more

As a savvy insurance professional, your expertise in navigating the nuanced risks faced by pressure washing contractors can make all the difference. These artisan contractors play a vital role in rejuvenating structures using high-pressure water. However, this transformative process introduces a range of unique risks, underscoring the critical need for tailor-made insurance coverage. Dive into the details of these exposures and discover how insurance professionals can be instrumental in offering pressure washing business insurance. Unveiling Pressure Washing Operations  Pressure washing c ..read more

Are you a consultant trying to figure out if you need professional liability insurance?   If so, you’re not alone. It’s not always easy to determine what insurance type will cover what risks. Professional liability insurance covers liability for damages arising from the rendering of or failure to render professional services. Professional liability insurance allows you to protect yourself and your business from claims not covered by commercial general liability coverage.  What is professional liability insurance? Professional liability insurance, also referred to as profess ..read more