Independent insurance agencyCyber Coverage for South Carolina Restaurants: Protecting Card Payments At The Table
South Carolina restaurants handle card payments at the table, online ordering and reservation systems. See how a cyber endorsement from Coterie (Insurance provider) can help after a breach. Quote through AIB.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
The data restaurants handle
South Carolina restaurants handle card payments at the table, online ordering and reservation systems every day. Full Service Restaurants is #1 on Coterie’s Top 100 classes list (December 2025), so it’s a class Coterie actively writes BOP and GL coverage for.
A realistic risk for restaurants
A compromised card reader or a ransomware attack on the POS can expose guest card data and shut down ordering on a Friday night. Payment card industry violations and breach notification costs can follow. Steps like strong passwords and staff training help, but they won’t stop every attack.
What the cyber endorsement covers
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.
Response services
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.
Eligibility and availability
Cyber is an endorsement, so it’s added to a Coterie BOP or GL policy. Eligible businesses have up to $5M in revenue and up to 50 employees. Availability is confirmed by business address at quote time, and all coverage is subject to underwriting.
How to add it
Quote your BOP or GL online and add cyber when you get to coverage options. Pricing depends on business type. If you’d rather talk first, America Insurance Brokers can help. 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 full service restaurants.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.