Independent insurance agencySouth Carolina Limited Service Restaurants: Protect Your Business with Coterie GL and BOP
Running one of the limited-service restaurants in Greenville, Spartanburg 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.
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, Limited Service Restaurants is ranked #2. In other words, this is a business type Coterie actively writes.
Where claims come from
Watch for counter-line slips, hot beverage burns, drive-thru and parking lot trips, and food safety complaints. Fast turnover means a lot of foot traffic, and every visitor is a possible liability claim. 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 protects fryers, coolers, signage and stock, adds business income after a covered loss, and the restaurant endorsement can respond to spoilage and contamination. Bundling everything in one policy keeps renewals and certificates simple.
Appetite notes for this class
The same food-service limits apply: no bar or nightclub operations, live entertainment, dance floors, BYOB, bouncers or liquor above 50% of sales, and no hired/non-owned auto when employees deliver in personal vehicles. 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 limited service restaurants.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.