Coterie

Overview

API-first MGA for small commercial: BOP, GL, professional, cyber, workplace violence, EPL across 50 states. Quote/bind API with claimed 92% bindable-quote success on BOP/GL and full partner integrations in ~3 weeks; appointment via a simple producer agreement. $200M+ DWP, 66% YoY growth, 100K+ policies; Progressive collaboration (Nov 2025) distributes Coterie BOP/GL. Allianz X strategic investor.

Relationships

• Pie (WC partner API) · next-insurance (NEXT Connect) · EMPLOYERS — the other API-first carriers in the direct-integration set.
• herald — the aggregation alternative to integrating carriers one by one.

Notes

• Why it matters: easiest first direct carrier API for the P1 neutral-rater demo in insurance-tech-integration-stack — appointments are easy (they want digital distribution), the API is real, and 5–8 such integrations cover a large share of micro-SMB BOP/GL/WC.
• Already noted in smb-insurance-competitive-landscape as still-independent digital supply.

Mentioned in

• insurance-tech-integration-stack — selected as first direct carrier integration for P1.