Quick facts

• Class: Other Personal Care Services
• Coterie Top 100 rank: #34 (December 2025)
• Coverage options: General liability and business owner’s policy

Risk snapshot

Owners in this class commonly deal with client reactions to treatments, burns and slip-and-falls. Customers spend time in your space or let you into theirs, so injury and property damage claims are the main concern.

How GL and a BOP work together

General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises. A BOP covers equipment, supplies and business income in one policy. Many owners pick the BOP because property and business income come bundled with the liability protection.

Appetite and eligibility

Coterie checks eligibility for specific services, so your exact class is confirmed during the quote. Across all classes, Coterie generally accepts up to $10M in revenue and 50 employees, one location per policy, no more than two losses in five years (none over $15K) and no prior cancellations or non-renewals. Startups and home-based businesses can qualify too.

Why go through Coterie?

Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

All coverage is subject to underwriting and availability.

Ready for a quote? Quote and bind with Coterie online

Have questions first? Call America Insurance Brokers to talk with a licensed agent about coverage for South Carolina personal care service businesses.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina other personal care services.