Quick facts

• Class: Family Clothing Stores
• Coterie Top 100 rank: #41 (December 2025)
• Coverage options: General liability and business owner’s policy

Risk snapshot

Owners in this class commonly deal with fitting-room trips, falling racks and wet entryways. Landlords usually require GL in the lease, and every shopper is a potential premises claim.

How GL and a BOP work together

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. Many owners pick the BOP because property and business income come bundled with the liability protection.

Appetite and eligibility

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. Startups and home-based businesses can qualify too.

Why go through Coterie?

Instead of waiting days on paperwork, you get an online quote, bind in minutes and instant certificates when a client or landlord asks. Every policy includes Manage My Risk, with free OSHA updates, safety checklists and a personalized risk plan.

All coverage is subject to underwriting and availability.

Start now: Get your Coterie quote

Want a second opinion? Call America Insurance Brokers and we’ll review your options together.

Get a quote

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