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South Carolina General Liability Insurance

Tag: 722511

  • Cyber Coverage for South Carolina Restaurants: Protecting Card Payments At The Table

    Independent insurance agency
    Full Service Restaurants · South Carolina

    Cyber Coverage for South Carolina Restaurants: Protecting Card Payments At The Table

    South Carolina restaurants handle card payments at the table, online ordering and reservation systems. See how a cyber endorsement from Coterie (Insurance provider) can help after a breach. Quote through AIB.

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    How it works (30-second video)
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    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    The data restaurants handle

    South Carolina restaurants handle card payments at the table, online ordering and reservation systems every day. Full Service Restaurants is #1 on Coterie’s Top 100 classes list (December 2025), so it’s a class Coterie actively writes BOP and GL coverage for.

    A realistic risk for restaurants

    A compromised card reader or a ransomware attack on the POS can expose guest card data and shut down ordering on a Friday night. Payment card industry violations and breach notification costs can follow. Steps like strong passwords and staff training help, but they won’t stop every attack.

    What the cyber endorsement covers

    The cyber endorsement combines first-party expense coverage (privacy breach expenses, system compromise, extortion threats, funds transfer fraud and payment card industry violations, with optional business interruption) and third-party liability for media, network security and data compromise, including privacy and regulatory claims. All of it falls under one aggregate: $50K standard, with optional limits up to $100K.

    Response services

    Policyholders also get incident response help from Coterie’s cyber partner (forensic consultation, ransomware expertise, breach counseling and notification assistance) plus an online portal with a password manager, breach-readiness templates and a self-assessment of your data risks.

    Eligibility and availability

    Cyber is an endorsement, so it’s added to a Coterie BOP or GL policy. Eligible businesses have up to $5M in revenue and up to 50 employees. Availability is confirmed by business address at quote time, and all coverage is subject to underwriting.

    How to add it

    Quote your BOP or GL online and add cyber when you get to coverage options. Pricing depends on business type. If you’d rather talk first, America Insurance Brokers can help. Coterie’s digital process means you can see coverage options in minutes, and America Insurance Brokers stays involved as your independent agency for questions, certificates and renewals. Policyholders also get Manage My Risk, a free set of safety guides and risk assessments.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina full service restaurants.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote
    How it works (30-second video)
    Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • South Carolina Full Service Restaurants: Protect Your Business with Coterie GL and BOP

    Independent insurance agency
    Full Service Restaurants · South Carolina

    South Carolina Full Service Restaurants: Protect Your Business with Coterie GL and BOP

    Running one of the full-service restaurants in Charleston, Myrtle Beach or anywhere else in the Palmetto State means juggling customers, staff and suppliers. Insurance shouldn’t slow you down. America Insurance Brokers quotes South Carolina owners through Coterie (Insurance provider) with a digital process that takes minutes.

    Click here to call Get My Quote
    How it works (30-second video)
    Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    A class Coterie knows well

    On Coterie’s own Top 100 classes list from December 2025, Full Service Restaurants is ranked #1. In other words, this is a business type Coterie actively writes.

    Where claims come from

    Watch for slips on freshly mopped floors, hot plates and spilled drinks at the table, burns, and allergen or foodborne illness complaints. Guests sit, eat and move around your dining room for an hour or more, so injury claims are the everyday exposure. 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 adds your kitchen equipment, furniture and inventory plus business income, and the restaurant endorsement can respond to spoilage and food contamination. Bundling everything in one policy keeps renewals and certificates simple.

    Appetite notes for this class

    Coterie’s appetite excludes bars, taverns and nightclubs, dance floors, DJs or live entertainment, door staff, BYOB service, hookah bars and places where liquor tops 50% of sales. Hired and non-owned auto isn’t available if staff deliver in their own cars. 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 full service restaurants.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote
    How it works (30-second video)
    Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

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