A class Coterie knows well

On Coterie’s own Top 100 classes list from December 2025, Insurance Agencies and Brokerages is ranked #16. In other words, this is a business type Coterie actively writes.

Where claims come from

Watch for visitor slip-and-falls at the office and advertising injury claims. Even a low-traffic office needs coverage for visitors, and leases often require GL. 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 covers computers, furniture and records plus business income after a covered loss. Bundling everything in one policy keeps renewals and certificates simple.

Appetite notes for this class

Insurance agents also fit Coterie’s professional liability; we’ll confirm state availability before quoting it. 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 insurance agencies and brokerages.