Why this class matters to Coterie

Gift, Novelty, and Souvenir Stores ranks #47 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For gift, novelty and souvenir shops, common claims include fragile items breaking, crowded aisles and falling shelf stock. Landlords usually require GL in the lease, and every shopper is a potential premises claim.

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 inventory, fixtures and outdoor signs and adds business income if a covered loss closes the store. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

One location per policy; size and loss-history guidelines 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 gift, novelty and souvenir shops through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina gift, novelty, and souvenir stores.