Category: General Liability Classes

  • South Carolina Insurance Agencies and Brokerages: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Insurance Agencies and Brokerages · South Carolina

    South Carolina Insurance Agencies and Brokerages: Protect Your Business with Coterie GL and BOP

    Running one of the insurance agencies and brokerages in Spartanburg, Columbia or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Insurance Agencies and Brokerages is ranked #16. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for visitor slip-and-falls at the office and advertising injury claims. Even a low-traffic office needs coverage for visitors, and leases often require GL. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP covers computers, furniture and records plus business income after a covered loss. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Insurance agents also fit Coterie’s professional liability; we’ll confirm state availability before quoting it. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina insurance agencies and brokerages.

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    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Full Service Restaurants: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Full Service Restaurants · South Carolina

    South Carolina Full Service Restaurants: Protect Your Business with Coterie GL and BOP

    Running one of the full-service restaurants in Charleston, Myrtle Beach or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Full Service Restaurants is ranked #1. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for slips on freshly mopped floors, hot plates and spilled drinks at the table, burns, and allergen or foodborne illness complaints. Guests sit, eat and move around your dining room for an hour or more, so injury claims are the everyday exposure. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP adds your kitchen equipment, furniture and inventory plus business income, and the restaurant endorsement can respond to spoilage and food contamination. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Coterie’s appetite excludes bars, taverns and nightclubs, dance floors, DJs or live entertainment, door staff, BYOB service, hookah bars and places where liquor tops 50% of sales. Hired and non-owned auto isn’t available if staff deliver in their own cars. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina full service restaurants.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Appliance Repair and Maintenance: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Appliance Repair and Maintenance · South Carolina

    South Carolina Appliance Repair and Maintenance: Protect Your Business with Coterie GL and BOP

    Running one of the appliance repair businesses in Rock Hill, Charleston or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Appliance Repair and Maintenance is ranked #17. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for water or gas damage after a repair, scratched floors, and injuries in a customer’s home. In-home service puts your work and your customer’s property side by side. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP can protect tools, parts and your shop or office. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Eligibility depends on loss history, size and operations; the right class is confirmed during the quote. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina appliance repair and maintenance.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Limited Service Restaurants: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Limited Service Restaurants · South Carolina

    South Carolina Limited Service Restaurants: Protect Your Business with Coterie GL and BOP

    Running one of the limited-service restaurants in Greenville, Spartanburg or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Limited Service Restaurants is ranked #2. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for counter-line slips, hot beverage burns, drive-thru and parking lot trips, and food safety complaints. Fast turnover means a lot of foot traffic, and every visitor is a possible liability claim. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP protects fryers, coolers, signage and stock, adds business income after a covered loss, and the restaurant endorsement can respond to spoilage and contamination. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    The same food-service limits apply: no bar or nightclub operations, live entertainment, dance floors, BYOB, bouncers or liquor above 50% of sales, and no hired/non-owned auto when employees deliver in personal vehicles. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina limited service restaurants.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Beauty Salons: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Beauty Salons · South Carolina

    South Carolina Beauty Salons: Protect Your Business with Coterie GL and BOP

    Running one of the beauty salons in Columbia, Greenville or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Beauty Salons is ranked #18. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for chemical burns, allergic reactions, a slip on loose hair and chair-related injuries. Clients spend time in your chair, and lease agreements often require GL. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP covers stations, dryers, products and business income. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Coterie confirms eligibility for specific services during underwriting, so we’ll review your service menu with you. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina beauty salons.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Plumbing, Heating, and Air-Conditioning Contractors: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Plumbing, Heating, and Air-Conditioning Contractors · South Carolina

    South Carolina Plumbing, Heating, and Air-Conditioning Contractors: Protect Your Business with Coterie GL and BOP

    Running one of the plumbing and HVAC contractors in Myrtle Beach, Rock Hill or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Plumbing, Heating, and Air-Conditioning Contractors is ranked #3. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for water damage to a customer’s home, a slip over tools in a hallway, and property damage that shows up after a job is done. Homeowners and GCs often want proof of liability coverage before you start, and certificates matter for winning bids. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP can protect office property and equipment, and contractor tool coverage can be added with higher limits. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Contractors: eligibility runs to $5M in revenue and 15 employees, and the appetite excludes general contractors, paper contractors, firms whose subcontractor costs top half of revenue, equipment rental to others and exterior work above three stories. Plumbers can’t do new building or home construction, work more than 6 feet underground or medical gas lines. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina plumbing, heating, and air-conditioning contractors.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina All Other Specialty Trade Contractors: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    All Other Specialty Trade Contractors · South Carolina

    South Carolina All Other Specialty Trade Contractors: Protect Your Business with Coterie GL and BOP

    Running one of the specialty trade contractors in Greenville, Spartanburg or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, All Other Specialty Trade Contractors is ranked #20. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for property damage on job sites, tool-related injuries to bystanders and completed-work claims. General contractors and homeowners commonly require proof of liability coverage. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP can protect office property and add contractor tool coverage. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Contractors: eligibility runs to $5M in revenue and 15 employees, and the appetite excludes general contractors, paper contractors, firms whose subcontractor costs top half of revenue, equipment rental to others and exterior work above three stories. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina all other specialty trade contractors.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Residential Remodelers: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Residential Remodelers · South Carolina

    South Carolina Residential Remodelers: Protect Your Business with Coterie GL and BOP

    Running one of the residential remodelers in Spartanburg, Columbia or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Residential Remodelers is ranked #4. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for dust and debris damage, a visitor tripping over materials, and property damage to the parts of a home you didn’t touch. Remodeling puts you inside someone’s home for weeks, and many clients ask for a certificate before demo day. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP can protect your shop or office property, and contractor tool limits can be added. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Contractors: eligibility runs to $5M in revenue and 15 employees, and the appetite excludes general contractors, paper contractors, firms whose subcontractor costs top half of revenue, equipment rental to others and exterior work above three stories. Remodelers adding rooms, ground-up builders, house flippers and structural work fall outside the appetite. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina residential remodelers.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina All Other General Merchandise Stores: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    All Other General Merchandise Stores · South Carolina

    South Carolina All Other General Merchandise Stores: Protect Your Business with Coterie GL and BOP

    Running one of the general merchandise stores in Myrtle Beach, Rock Hill or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, All Other General Merchandise Stores is ranked #21. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for falling merchandise, slippery entryways and customer injuries. Every shopper is a potential claim, and landlords usually require GL. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP protects inventory, fixtures and signs and adds business income. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    One location per policy, plus size and loss-history limits, apply. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    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.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Supermarkets and Other Grocery (except Convenience Stores): Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Supermarkets and Other Grocery (except Convenience Stores) · South Carolina

    South Carolina Supermarkets and Other Grocery (except Convenience Stores): Protect Your Business with Coterie GL and BOP

    Running one of the grocery stores in Rock Hill, Charleston or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Supermarkets and Other Grocery (except Convenience Stores) is ranked #5. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for wet produce aisles, falling stock, cart injuries and parking lot trips. Shoppers walk every aisle, so premises liability is the core exposure. A customer’s medical bills or a repair bill for someone else’s property can fall on you if you’re found negligent.

    Two ways to protect the business

    General liability (GL): covers bodily injury, property damage and, for most classes, personal and advertising injury claims. Limits run from $300K to $2M per occurrence, with aggregates at double the per-occurrence limit.

    Business owner’s policy (BOP): A BOP adds coverage for shelving, coolers and inventory plus business income if a covered loss closes the doors. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Coterie’s appetite for grocers is stores up to 3,000 square feet with no gas pumps, and spoilage and food contamination coverage isn’t available for this class. General eligibility: 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.

    The service side

    Coterie lets you get a quote and bind online, and AIB can issue certificates of insurance on demand so you’re not waiting when a landlord or client asks. Policyholders also get Manage My Risk, with free safety checklists, OSHA updates and personalized risk plans.

    Coverage is subject to underwriting and availability.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina supermarkets and other grocery (except convenience stores).

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.