Why this class matters to Coterie

Furniture Merchant Wholesale Distributors ranks #83 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For furniture wholesale distributors, common claims include heavy-item injuries at the dock and products claims. Buyers, drivers and visitors at your warehouse create premises exposure, and products you distribute can lead to claims.

GL and BOP, explained

General liability covers third-party bodily injury, property damage and, for most classes, personal and advertising injury. Per-occurrence limits are $300K, $500K, $1M or $2M, with aggregates at twice that, and the policy includes medical payments and damage to rented premises.

A BOP protects stock, racking and office property with business income included. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

One location per policy; revenue and employee limits apply. Across all classes, Coterie generally accepts 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. Home-based and newer businesses are welcome.

The Coterie experience

Quotes and certificates are instant, and Coterie’s own team manages claims from start to finish. As a bonus, Manage My Risk gives you free safety resources and risk assessments you can share with your team.

All coverage is subject to underwriting and availability.

Quote and bind in minutes: Coterie Quote and Bind

Prefer a phone call? America Insurance Brokers can walk South Carolina furniture wholesale distributors through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina furniture merchant wholesale distributors.