Covers liability when a vehicle your business doesn't own is used for business — a rented/hired vehicle, or an employee's personal car driven for work. It does NOT cover physical damage to those vehicles, and it is not a substitute for a commercial auto policy on vehicles you own.

A Coverage Enhancement Package raises the built-in limits on your Business Owners Policy and adds extra property protections — so more is covered, and covered for more. Coterie offers three tiers:

• Silver — the essential boost to your standard property coverage.
• Gold — broader limits and more coverages than Silver.
• Platinum — Coterie's most complete property enhancement, with the highest limits.

Each step up adds protection for a small premium increase — you'll see each tier's exact cost the moment you pick it and re-quote. The specific coverages and limits in each tier are set by Coterie's endorsement forms. See Coterie's endorsement details →