Why this class matters to Coterie

Hobby, Toy, and Game Stores ranks #70 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

Typical risks

For hobby, toy and game stores, common claims include play-area injuries, falling stock and in-store event crowds. 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

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 Alabama hobby, toy, and game stores.