Independent insurance agencySouth Carolina Beer, Wine, and Liquor Stores: Protect Your Business with Coterie GL and BOP
Running one of the beer, wine and liquor stores in Rock Hill, Charleston 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, Beer, Wine, and Liquor Stores is ranked #11. In other words, this is a business type Coterie actively writes.
Where claims come from
Watch for broken bottles, slippery floors, stock falling from tall shelves and customer injuries. Retail foot traffic plus breakable glass makes premises liability the main 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 protects inventory and fixtures and adds business income; liquor liability is an available coverage. Bundling everything in one policy keeps renewals and certificates simple.
Appetite notes for this class
When liquor liability is selected, the $2M/$4M liability limits aren’t available. Final eligibility is confirmed during underwriting. 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 beer, wine, and liquor stores.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.