Independent insurance agencyCyber Insurance for South Carolina Small Businesses: Coterie’s Cyber Endorsement
South Carolina small businesses can add cyber coverage from Coterie (Insurance provider) to a BOP or GL policy. Learn what it covers and quote through AIB.
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Why cyber risk is a small-business problem
South Carolina businesses run on card readers, booking apps and email, and so do the scammers targeting them. A phishing email, a ransomware lockout or a wire transfer to the wrong account can stop operations and trigger notification duties to customers. Small businesses rarely have IT security staff, which is why a coverage-plus-services approach makes sense.
How Coterie’s cyber coverage works
Coterie (Insurance provider) offers cyber coverage as an endorsement to its business owner’s policy or general liability policy, not as a standalone policy. You add it while quoting your BOP or GL, so everything lives on one policy.
What’s covered
The cyber endorsement combines first-party expense coverage (privacy breach expenses, system compromise, extortion threats, funds transfer fraud and payment card industry violations, with optional business interruption) and third-party liability for media, network security and data compromise, including privacy and regulatory claims. All of it falls under one aggregate: $50K standard, with optional limits up to $100K.
Help when something goes wrong
Policyholders also get incident response help from Coterie’s cyber partner (forensic consultation, ransomware expertise, breach counseling and notification assistance) plus an online portal with a password manager, breach-readiness templates and a self-assessment of your data risks.
Who qualifies
Cyber is available for South Carolina businesses with up to $5M in annual revenue and up to 50 employees (15 for contractors), along with Coterie’s standard BOP and GL eligibility. Availability is confirmed by business address at quote time, and all coverage is subject to underwriting.
Getting a quote
Coverage is priced by business type, and the endorsement is designed to be an affordable add-on. Start a BOP or GL quote online and add cyber, or have America Insurance Brokers walk you through the options. 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 businesses.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.