Tag: All Other Personal Services

Why this class matters to Coterie

All Other Personal Services ranks #50 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For personal service businesses, common claims include customer injuries on your premises and property damage at client sites. Customers spend time in your space or let you into theirs, so injury and property damage claims are the main concern.

GL and BOP, explained

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 covers equipment, supplies and business income in one policy. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

This is a broad class, so we confirm your exact operations in underwriting. 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. Home-based and newer businesses are welcome.

The Coterie experience

Quotes and certificates are instant, and Coterie’s own team manages claims from start to finish. As a bonus, Manage My Risk gives you free safety resources and risk assessments you can share with your team.

All coverage is subject to underwriting and availability.

Quote and bind in minutes: Coterie Quote and Bind

Prefer a phone call? America Insurance Brokers can walk South Carolina personal service businesses through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina all other personal services.