Category: General Liability Classes

  • South Carolina Drycleaning and Laundry Services (except Coin-Operated): Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Drycleaning and Laundry Services (except Coin-Operated) · South Carolina

    South Carolina Drycleaning and Laundry Services (except Coin-Operated): Protect Your Business with Coterie GL and BOP

    Running one of the drycleaning and laundry services 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, Drycleaning and Laundry Services (except Coin-Operated) is ranked #22. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for damaged garments, customer slips and chemical exposure. Customers come through your counter every day and trust you with their clothes. 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 pressing equipment, machines and business income. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Eligibility depends on location, operations and loss history, which we confirm 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 drycleaning and laundry services (except coin-operated).

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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 Fitness and Recreational Sports Centers: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Fitness and Recreational Sports Centers · South Carolina

    South Carolina Fitness and Recreational Sports Centers: Protect Your Business with Coterie GL and BOP

    Running one of the fitness and recreational sports centers 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, Fitness and Recreational Sports Centers is ranked #23. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for equipment injuries, locker room slips and class participants getting hurt. Members and guests are physically active on your premises, so injury claims are the main concern. 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 equipment and furnishings and adds business income. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Trainers and instructors may also fit Coterie’s professional liability where it’s offered; we’ll confirm your class and state. 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 fitness and recreational sports centers.

    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 Used Merchandise Stores: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Used Merchandise Stores · South Carolina

    South Carolina Used Merchandise Stores: Protect Your Business with Coterie GL and BOP

    Running one of the used merchandise and thrift stores 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, Used Merchandise Stores is ranked #24. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for heavy or unstable items falling, cluttered aisles and customer injuries. Constantly changing inventory makes keeping aisles clear harder, and landlords want GL on file. 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 donated or purchased stock, fixtures and business income. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Eligibility depends on size, location and loss history, which we confirm before binding. 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 used 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 Mobile Food Services: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Mobile Food Services · South Carolina

    South Carolina Mobile Food Services: Protect Your Business with Coterie GL and BOP

    Running one of the food trucks and mobile food services 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, Mobile Food Services is ranked #25. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for customer burns, slips around the service window and foodborne illness complaints. Events, markets and property owners usually ask for a certificate before you park. 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): Coterie’s BOP can cover business property at a fixed or temporary location, but not the truck itself. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Coterie doesn’t offer commercial auto, physical damage on trucks or trailers, or liquor sales over 50%, and off-premises property limits may apply. AIB places the truck’s auto coverage separately. 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 mobile food services.

    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 Finish Carpentry Contractors: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Finish Carpentry Contractors · South Carolina

    South Carolina Finish Carpentry Contractors: Protect Your Business with Coterie GL and BOP

    Running one of the finish carpentry 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, Finish Carpentry Contractors is ranked #14. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for damage to cabinetry, trim or floors, and visitors tripping over tools and lumber. Detailed interior work in occupied homes calls for certificates and solid 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 finish carpentry 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 Painting and Wall Covering Contractors: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Painting and Wall Covering Contractors · South Carolina

    South Carolina Painting and Wall Covering Contractors: Protect Your Business with Coterie GL and BOP

    Running one of the painting and wall covering 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, Painting and Wall Covering Contractors is ranked #15. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for overspray, drips on furniture and floors, ladder accidents involving others, and property damage. Painters work right next to the client’s belongings, so property damage claims come up often. 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 and add contractor tool 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. Exterior work above three stories is 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 painting and wall covering 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 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.

    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 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.