Independent insurance agencySouth Carolina Flooring Contractors: Coterie General Liability Made Simple
Whether you’re in Spartanburg, Aiken or a small town in between, South Carolina flooring contractors 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
Flooring Contractors ranks #26 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.
Typical risks
For flooring contractors, common claims include trip hazards from loose boards, adhesive fumes, and damage to cabinets, walls or existing finishes. Homeowners, property managers and GCs routinely ask for a certificate before work starts.
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 can protect office property, and contractor tool coverage can be added at higher limits. A business owner’s policy combines liability, property and business income in one policy.
Before you quote
Contractor eligibility is capped at $5M in revenue and 15 employees. General contractors, paper contractors, firms with subcontractor costs over half of revenue, equipment rental to others, and exterior work above three stories are outside the appetite. 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 flooring contractors through every option.
Get a quote
Start your Coterie quote online, or call America Insurance Brokers to talk through your options for South Carolina flooring contractors.
Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.