Independent insurance agencySC Hobby, Toy And Game Stores: Lower Your Liability Risk with Coterie
Running one of the hobby, toy and game stores in South Carolina, from Spartanburg to Aiken, keeps you busy enough without insurance paperwork. Coterie (Insurance provider) offers a digital quote process, and America Insurance Brokers can walk you through it.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Quick facts
- Class: Hobby, Toy, and Game Stores
- Coterie Top 100 rank: #70 (December 2025)
- Coverage options: General liability and business owner’s policy
Risk snapshot
Owners in this class commonly deal with play-area injuries, falling stock and in-store event crowds. 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 hobby, toy and game stores.
Get a quote
Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina hobby, toy, and game stores.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.