Coterie Expands Coverage with Employment Practices Liability Insurance (EPLI) for Small Businesses

Appleton, Wisc. - DECEMBER 5, 2025 - Coterie Insurance (Coterie), a tech-enabled, data-powered managing general agent (MGA) specializing in property and casualty (P&C) commercial insurance for small businesses, today announced the launch of its employment practices liability coverage for Main Street businesses across the United States.

This ceded product adds another layer of protection to Coterie's growing suite of risk management solutions for small commercial clients alongside its recent cyber and workplace violence coverage offerings. EPLI protects businesses against claims made by employees, former employees, and job applicants alleging discrimination, harassment, retaliation, wrongful termination, and other employment-related violations.

The coverage is ceded through Berkley Management Protection (BMP), a member of Berkley, one of the nation's premier commercial property casualty insurance providers, whose insurance company members are rated A+ (Superior) by A.M. Best. Berkley Re Turnkey Solutions, a division of Berkley Re, plays a pivotal role in this launch, leveraging its turnkey reinsurance model to bring BMP's EPLI offering to market - empowering agents and brokers with trusted employment practice solutions.

"Employment-related claims aren't just a big business problem; they can devastate a local contractor, retailer, or consulting firm overnight," said David McFarland, CEO and founder of Coterie Insurance. "Our goal is to make it simple for agents to add this critical coverage alongside a BOP or GL policy, so every business can operate with peace of mind."

Coterie's EPLI is available to eligible classes nationwide (excluding CA, DC, MD, NY, and WY) as an endorsement to Business Owners Policies (BOPs) and General Liability (GL) policies offered through the Coterie platform. Agents will see EPLI automatically suggested during the quoting process, when a business class qualifies for coverage.

This announcement marks another step in Coterie's mission to simplify small business insurance and empower independent agents to offer comprehensive risk management solutions in minutes. By integrating essential coverages like EPLI directly into its digital platform, Coterie continues to streamline the way agents quote, bind, and serve Main Street businesses.

About Coterie Insurance (Coterie)

Coterie Insurance (Coterie) is a tech-enabled, data-powered managing general agent (MGA) providing commercial property and casualty (P&C) coverages for small business (SMB) owners. Coterie's technology enables a transparent, accurate, and rapid quote-to-bind process that results in opportunities for agents and the right coverage for small businesses, on-demand. For more information about Coterie, its products, or becoming an appointed agent, please visit https://www.coterieinsurance.com.

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