Quick facts

• Class: Nursery, Garden Center, and Farm Supply Stores
• Coterie Top 100 rank: #97 (December 2025)
• Coverage options: General liability and business owner’s policy

Risk snapshot

Owners in this class commonly deal with heavy pots and bags, uneven outdoor walkways and chemical exposure. Landlords usually require GL in the lease, and every shopper is a potential premises claim.

How GL and a BOP work together

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. Many owners pick the BOP because property and business income come bundled with the liability protection.

Appetite and eligibility

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. Startups and home-based businesses can qualify too.

Why go through Coterie?

Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

All coverage is subject to underwriting and availability.

Ready for a quote? Quote and bind with Coterie online

Have questions first? Call America Insurance Brokers to talk with a licensed agent about coverage for South Carolina garden centers and nurseries.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina nursery, garden center, and farm supply stores.