Case Study: Coterie Insurance achieves sub‑20‑second quote-to-bind underwriting with Guidewire HazardHub

Coterie Insurance Improves Quote-to-Bind Time

Coterie Insurance, a Cincinnati-based MGA founded in 2018, set out to simplify small-business insurance with a 100% digital underwriting experience for BOP, professional liability, and general liability products. To meet its goals for speed and accuracy across high volumes of submissions, Coterie needed reliable location and hazard data to make rapid, informed decisions about property risk.

By integrating Guidewire HazardHub, Coterie runs 35,000+ submissions per month and pulls 30 key data points (hail, wildfire, distance to coast, wind, time to hospital, hydrant proximity, etc.) into its underwriting rules. The result: automated quote-to-bind in under 20 seconds, better-informed accept/decline decisions and endorsements, and a significantly improved loss ratio.

Coterie

Paul Bessire

Chief Data Officer