Everspan Insurance Company is introducing a new Businessowners Program in Idaho, branded as the Coterie BOP and administered through Coterie Insurance Agency. Designed for small commercial risks, the program adopts ISO-based forms, rates, and rules, with modifications referencing Spinnaker’s BOP framework.

The filing includes proprietary endorsements and rating adjustments such as loss control tiering, paid-in-full discounts, and book roll factors. The requested effective date for new and renewal business is May 15, 2025.