Independent insurance agencyWorkplace Violence Coverage for South Carolina General Merchandise Stores
Workplace violence coverage for South Carolina general merchandise stores and other retailers from Coterie (Insurance provider), added to a BOP or GL. Quote through AIB.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Retail’s exposure
Retail staff deal with the public all day, often handle cash and sometimes work alone. All Other General Merchandise Stores is #21 on Coterie’s Top 100 classes list (December 2025), a class Coterie actively writes.
When a confrontation escalates
A dispute over a return, a shoplifting confrontation or a robbery can turn violent. Afterward you may need security, cleanup, counseling for employees and a temporary way to keep selling while the store is closed.
What the endorsement covers
The workplace violence endorsement pays for the response after a violent event at work: a crisis management expert, a public relations consultant, mental health counseling, site security, bio-hazard cleanup, business interruption, temporary location and staff costs, and burial, reward and travel expenses. The aggregate limit is $50K or $100K.
Resources for owners and staff
Policyholders also get an online portal with risk management resources, crisis management services, and workplace violence training and education for owners and staff. Training helps staff recognize warning signs and know how to respond.
Eligibility and availability
Workplace violence coverage is an endorsement to a Coterie BOP or GL policy for businesses with up to $10M in revenue and 50 employees. Availability is confirmed by business address at quote time, and all coverage is subject to underwriting.
Adding it to your policy
Pricing depends on business type. Add it when you quote your BOP or GL online, or ask America Insurance Brokers to include it. Coterie’s digital process means you can see coverage options in minutes, and America Insurance Brokers stays involved as your independent agency for questions, certificates and renewals. Policyholders also get Manage My Risk, a free set of safety guides and risk assessments.
Get a quote
Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina all other general merchandise stores.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.