Independent insurance agencySouth Carolina Caterers: Coterie General Liability Made Simple
Whether you’re in Anderson, Myrtle Beach or a small town in between, South Carolina caterers face everyday risks that one bad day can turn into a lawsuit. America Insurance Brokers, an independent agency, quotes coverage through Coterie (Insurance provider) so you can get protected and get back to work.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.
Why this class matters to Coterie
Caterers ranks #32 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.
Typical risks
For caterers, common claims include burns and spills at client venues, foodborne illness, and damage to a host’s property. Guests, delivery drivers and vendors are in and out all day, and food safety complaints can turn into claims.
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 kitchen equipment and stock, and the restaurant endorsement (spoilage and food contamination) was extended to more food-service classes in August 2025. A business owner’s policy combines liability, property and business income in one policy.
Before you quote
Bar or nightclub operations, live entertainment, dance floors, BYOB, door staff, and liquor above half of sales are outside the food-service appetite. Hired and non-owned auto may be limited when staff drive their own cars for deliveries. 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 caterers through every option.
Get a quote
Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina caterers.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.