Independent insurance agencySC Specialty Retailers: Lower Your Liability Risk with Coterie
Running one of the specialty retailers in South Carolina, from Hilton Head to Greenville, 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: All Other Miscellaneous Store Retailers (except Tobacco Stores)
- Coterie Top 100 rank: #64 (December 2025)
- Coverage options: General liability and business owner’s policy
Risk snapshot
Owners in this class commonly deal with customer slips, falling merchandise and checkout-area trips. 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
Tobacco stores are excluded from this class. 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 specialty retailers.
Get a quote
Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina all other miscellaneous store retailers (except tobacco stores).
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.