specification: API Commons Plans
specificationVersion: '0.1'
schema: https://raw.githubusercontent.com/api-evangelist/interface-research/main/schema/api-commons.yml#/$defs/Plans
provider: Coterie Insurance
providerId: coterie
created: '2026-06-25'
modified: '2026-06-25'
reconciled: false
tags:
- Insurance
- Commercial Insurance
- Small Business
- Embedded Insurance
- Insurtech
- Plans
description: >-
  Coterie does not sell API access on a per-call subscription basis. The API is
  available to appointed agents and approved digital / channel partners under a
  commercial insurance partnership. There is no documented per-request API fee;
  partners earn commission on bound premium and Coterie earns underwriting
  revenue on the policies sold. Coterie states there are no call-volume limits
  for testing or production. Commission rates and partner terms are negotiated
  individually and are not publicly published, so monetary values here are not
  reconciled.
notes: >-
  API credentials (Publishable + Secret keys) for Sandbox and Production are
  issued by an assigned Integration Manager after partner appointment. Premium,
  taxes, and fees are determined per quote by Coterie's rating engine and the
  underlying carrier; commission terms are set in the partner agreement. Verify
  all terms with Coterie during reconciliation.
sources:
- https://docs.coterieinsurance.com/
- https://coterieinsurance.com/partners/
- https://explore.coterieinsurance.com/partner-faqs
plans:
- id: coterie-partner-appointment
  name: Appointed Agent / Digital Partner
  type: partner
  description: >-
    API access granted to appointed agents and approved digital partners. No
    per-call API fee is documented; revenue is realized through commission on
    bound premium and underlying carrier economics.
  entries:
  - label: API Access
    name: api_access
    type: flat
    metric: access
    limit: -1
    timeFrame: year
    geo: US
    unit: 1
    price: no documented per-call fee (partner appointment required)
    userMultiplied: false
  - label: Commission on Bound Premium
    name: commission
    type: usage
    metric: premium
    limit: -1
    timeFrame: usage
    geo: US
    unit: 1
    price: negotiated commission rate (not publicly published)
    userMultiplied: false
  elements:
  - name: Applications
  - name: Quotes
  - name: Policies (Bind / Issue)
  - name: Industry / NAICS Lookup
  - name: Documents
  - name: Webhooks
- id: coterie-sandbox
  name: Sandbox
  type: free
  description: >-
    Free sandbox environment for partner integration and testing against
    https://api-sandbox.coterieinsurance.com/v1 with test payment cards. No
    call-volume limits for testing.
  entries:
  - label: Sandbox Access
    name: sandbox_access
    type: flat
    metric: access
    limit: -1
    timeFrame: month
    geo: US
    unit: 1
    price: free with partner credentials
    userMultiplied: false
  elements:
  - name: Sandbox Quotes
  - name: Sandbox Bind / Issue
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com