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