Tag: Family Clothing Stores

Why this class matters to Coterie

Family Clothing Stores ranks #41 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For family clothing stores, common claims include fitting-room trips, falling racks and wet entryways. Landlords usually require GL in the lease, and every shopper is a potential premises claim.

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 protects inventory, fixtures and outdoor signs and adds business income if a covered loss closes the store. A business owner’s policy combines liability, property and business income in one policy.

Before you quote

One location per policy; size and loss-history guidelines apply. 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 family clothing stores through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina family clothing stores.