Quick facts

• Class: Hardware Stores
• Coterie Top 100 rank: #72 (December 2025)
• Coverage options: General liability and business owner’s policy

Risk snapshot

Owners in this class commonly deal with heavy items falling, sharp tools and slips. 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. Equipment rental to others may affect eligibility. 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?

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.

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Prefer a phone call? America Insurance Brokers can walk Alabama hardware stores through every option.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama hardware stores.