Category: General Liability Classes

  • Does Your Alabama Business Need Cyber Coverage? A Coterie Overview

    Independent insurance agency
    Cyber coverage · Alabama

    Does Your Alabama Business Need Cyber Coverage? A Coterie Overview

    Alabama small businesses can add cyber coverage from Coterie (Insurance provider) to a BOP or GL policy. Learn what it covers and quote through AIB.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    Why cyber risk is a small-business problem

    From the corner shop to the accounting office, Alabama small businesses keep customer data on laptops, phones and point-of-sale systems. A phishing email, a ransomware lockout or a wire transfer to the wrong account can stop operations and trigger notification duties to customers. Small businesses rarely have IT security staff, which is why a coverage-plus-services approach makes sense.

    How Coterie’s cyber coverage works

    Coterie (Insurance provider) offers cyber coverage as an endorsement to its business owner’s policy or general liability policy, not as a standalone policy. You add it while quoting your BOP or GL, so everything lives on one policy.

    What’s covered

    The cyber endorsement combines first-party expense coverage (privacy breach expenses, system compromise, extortion threats, funds transfer fraud and payment card industry violations, with optional business interruption) and third-party liability for media, network security and data compromise, including privacy and regulatory claims. All of it falls under one aggregate: $50K standard, with optional limits up to $100K.

    Help when something goes wrong

    Policyholders also get incident response help from Coterie’s cyber partner (forensic consultation, ransomware expertise, breach counseling and notification assistance) plus an online portal with a password manager, breach-readiness templates and a self-assessment of your data risks.

    Who qualifies

    Cyber is available for Alabama businesses with up to $5M in annual revenue and up to 50 employees (15 for contractors), along with Coterie’s standard BOP and GL eligibility. Availability is confirmed by business address at quote time, and all coverage is subject to underwriting.

    Getting a quote

    Coverage is priced by business type, and the endorsement is designed to be an affordable add-on. Start a BOP or GL quote online and add cyber, or have America Insurance Brokers walk you through the options. Coterie’s digital process means you can see coverage options in minutes, and America Insurance Brokers stays involved as your independent agency for questions, certificates and renewals. Policyholders also get Manage My Risk, a free set of safety guides and risk assessments.

    Get a quote

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

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    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • Cyber Coverage for Alabama Quick-Service Restaurants: Protecting Card Swipes

    Independent insurance agency
    Limited Service Restaurants · Alabama

    Cyber Coverage for Alabama Quick-Service Restaurants: Protecting Card Swipes

    Alabama quick-service restaurants handle card swipes, mobile orders and loyalty apps. See how a cyber endorsement from Coterie (Insurance provider) can help after a breach. Quote through AIB.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    The data quick-service restaurants handle

    Alabama quick-service restaurants handle card swipes, mobile orders and loyalty apps every day. Limited Service Restaurants is #2 on Coterie’s Top 100 classes list (December 2025), so it’s a class Coterie actively writes BOP and GL coverage for.

    A realistic risk for quick-service restaurants

    High transaction volume means a skimmed or infected POS can expose a lot of cards quickly, and downtime at the counter costs sales right away. Steps like strong passwords and staff training help, but they won’t stop every attack.

    What the cyber endorsement covers

    The cyber endorsement combines first-party expense coverage (privacy breach expenses, system compromise, extortion threats, funds transfer fraud and payment card industry violations, with optional business interruption) and third-party liability for media, network security and data compromise, including privacy and regulatory claims. All of it falls under one aggregate: $50K standard, with optional limits up to $100K.

    Response services

    Policyholders also get incident response help from Coterie’s cyber partner (forensic consultation, ransomware expertise, breach counseling and notification assistance) plus an online portal with a password manager, breach-readiness templates and a self-assessment of your data risks.

    Eligibility and availability

    Cyber is an endorsement, so it’s added to a Coterie BOP or GL policy. Eligible businesses have up to $5M in revenue and up to 50 employees. Availability is confirmed by business address at quote time, and all coverage is subject to underwriting.

    How to add it

    Quote your BOP or GL online and add cyber when you get to coverage options. Pricing depends on business type. If you’d rather talk first, America Insurance Brokers can help. Coterie’s digital process means you can see coverage options in minutes, and America Insurance Brokers stays involved as your independent agency for questions, certificates and renewals. Policyholders also get Manage My Risk, a free set of safety guides and risk assessments.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama limited service restaurants.

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  • Alabama Cosmetics And Beauty Supply Stores: Quote GL Coverage from Coterie Online

    Independent insurance agency
    Cosmetics, Beauty Supplies, and Perfume Stores · Alabama

    Alabama Cosmetics And Beauty Supply Stores: Quote GL Coverage from Coterie Online

    Running one of the cosmetics and beauty supply stores in Alabama, from Birmingham to Tuscaloosa, keeps you busy enough without insurance paperwork. Coterie (Insurance provider) offers a digital quote process, and America Insurance Brokers can walk you through it.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    Quick facts

    • Class: Cosmetics, Beauty Supplies, and Perfume Stores
    • Coterie Top 100 rank: #33 (December 2025)
    • Coverage options: General liability and business owner’s policy

    Risk snapshot

    Owners in this class commonly deal with product reactions, falling displays and slippery tester areas. 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

    Eligibility depends on size, one location per policy and loss history. 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.

    Quote and bind in minutes: Coterie Quote and Bind

    Prefer a phone call? America Insurance Brokers can walk Alabama cosmetics and beauty supply stores through every option.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama cosmetics, beauty supplies, and perfume stores.

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    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • A Coverage Checklist for Alabama Caterers

    Independent insurance agency
    Caterers · Alabama

    A Coverage Checklist for Alabama Caterers

    Ask caterers in Gadsden what worries them most and you’ll often hear about a customer getting hurt or a client’s property getting damaged. America Insurance Brokers helps Alabama owners quote coverage built for small businesses through Coterie (Insurance provider).

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    What could go wrong?

    Here are the claims caterers see most often: burns and spills at client venues, foodborne illness, and damage to a host’s property. Guests, delivery drivers and vendors are in and out all day, and food safety complaints can turn into claims. If your business is found negligent, medical bills or repair costs can land on you.

    A class Coterie knows

    Caterers ranks #32 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

    Choosing your coverage

    General liability: 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.

    Business owner’s policy: A BOP covers kitchen equipment and stock, and the restaurant endorsement (spoilage and food contamination) was extended to more food-service classes in August 2025.

    Eligibility notes for caterers

    Bar or nightclub operations, live entertainment, dance floors, BYOB, door staff, and liquor above half of sales are outside the food-service appetite. Hired and non-owned auto may be limited when staff drive their own cars for deliveries. 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.

    Service built for small business

    Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

    All coverage is subject to underwriting and availability.

    Ready for a quote? Quote and bind with Coterie online

    Have questions first? Call America Insurance Brokers to talk with an AIB agent about coverage for Alabama caterers.

    Get a quote

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

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    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • Alabama Cafeterias, Grill Buffets, and Buffets: General Liability and BOP Through Coterie

    Independent insurance agency
    Cafeterias, Grill Buffets, and Buffets · Alabama

    Alabama Cafeterias, Grill Buffets, and Buffets: General Liability and BOP Through Coterie

    Whether you’re in Florence, Mobile or a small town in between, Alabama cafeterias and buffets 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.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    Why this class matters to Coterie

    Cafeterias, Grill Buffets, and Buffets ranks #31 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

    Typical risks

    For cafeterias and buffets, common claims include serving-line spills, burns from hot wells, and allergen or foodborne illness complaints. Guests, delivery drivers and vendors are in and out all day, and food safety complaints can turn into claims.

    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 covers kitchen equipment and stock, and the restaurant endorsement (spoilage and food contamination) was extended to more food-service classes in August 2025. A business owner’s policy combines liability, property and business income in one policy.

    Before you quote

    Bar or nightclub operations, live entertainment, dance floors, BYOB, door staff, and liquor above half of sales are outside the food-service 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

    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 cafeterias, grill buffets, and buffets.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • Alabama Nail Salons: Quote GL Coverage from Coterie Online

    Independent insurance agency
    Nail Salons · Alabama

    Alabama Nail Salons: Quote GL Coverage from Coterie Online

    Running one of the nail salons in Alabama, from Decatur to Huntsville, keeps you busy enough without insurance paperwork. Coterie (Insurance provider) offers a digital quote process, and America Insurance Brokers can walk you through it.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    Quick facts

    • Class: Nail Salons
    • Coterie Top 100 rank: #30 (December 2025)
    • Coverage options: General liability and business owner’s policy

    Risk snapshot

    Owners in this class commonly deal with infections or allergic reactions, chemical spills and slips near pedicure stations. Customers spend time in your space or let you into theirs, so injury and property damage claims are the main concern.

    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 covers equipment, supplies and business income in one policy. Many owners pick the BOP because property and business income come bundled with the liability protection.

    Appetite and eligibility

    Eligibility for specific services is confirmed in underwriting, so we review your service menu first. 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.

    Quote and bind in minutes: Coterie Quote and Bind

    Prefer a phone call? America Insurance Brokers can walk Alabama nail salons through every option.

    Get a quote

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

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • A Coverage Checklist for Alabama Drywall And Insulation Contractors

    Independent insurance agency
    Drywall and Insulation Contractors · Alabama

    A Coverage Checklist for Alabama Drywall And Insulation Contractors

    Ask drywall and insulation contractors in Hoover what worries them most and you’ll often hear about a customer getting hurt or a client’s property getting damaged. America Insurance Brokers helps Alabama owners quote coverage built for small businesses through Coterie (Insurance provider).

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    What could go wrong?

    Here are the claims drywall and insulation contractors see most often: dust damage to furnishings, debris trips, and property damage in occupied homes. Homeowners, property managers and GCs routinely ask for a certificate before work starts. If your business is found negligent, medical bills or repair costs can land on you.

    A class Coterie knows

    Drywall and Insulation Contractors ranks #29 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

    Choosing your coverage

    General liability: 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.

    Business owner’s policy: A BOP can protect office property, and contractor tool coverage can be added at higher limits.

    Eligibility notes for drywall and insulation contractors

    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.

    Service built for small business

    Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

    All coverage is subject to underwriting and availability.

    Ready for a quote? Quote and bind with Coterie online

    Have questions first? Call America Insurance Brokers to talk with an AIB agent about coverage for Alabama drywall and insulation contractors.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama drywall and insulation contractors.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • Alabama Administrative Management & General Management Consulting Services: General Liability and BOP Through Coterie

    Independent insurance agency
    Administrative Management & General Management Consulting Services · Alabama

    Alabama Administrative Management & General Management Consulting Services: General Liability and BOP Through Coterie

    Whether you’re in Dothan, Gadsden or a small town in between, Alabama management consultants 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.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    Why this class matters to Coterie

    Administrative Management & General Management Consulting Services ranks #28 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

    Typical risks

    For management consultants, common claims include client visitors at your office and advertising or personal injury claims. Clients visit, leases require proof of coverage, and advertising injury can arise from your marketing.

    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 covers computers, furniture and valuable papers, with business income and computer interruption built in. A business owner’s policy combines liability, property and business income in one policy.

    Before you quote

    Many professional classes also fit Coterie’s professional liability (MPL), which we confirm is available in your state before quoting. 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 administrative management & general management consulting services.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • Alabama Real Estate Offices: Quote GL Coverage from Coterie Online

    Independent insurance agency
    Offices of Real Estate Agents and Brokers · Alabama

    Alabama Real Estate Offices: Quote GL Coverage from Coterie Online

    Running one of the real estate offices in Alabama, from Auburn to Florence, keeps you busy enough without insurance paperwork. Coterie (Insurance provider) offers a digital quote process, and America Insurance Brokers can walk you through it.

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    Quick facts

    • Class: Offices of Real Estate Agents and Brokers
    • Coterie Top 100 rank: #27 (December 2025)
    • Coverage options: General liability and business owner’s policy

    Risk snapshot

    Owners in this class commonly deal with visitors slipping at the office or during a showing, and advertising injury from listings. Clients visit, leases require proof of coverage, and advertising injury can arise from your marketing.

    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 covers computers, furniture and valuable papers, with business income and computer interruption built in. Many owners pick the BOP because property and business income come bundled with the liability protection.

    Appetite and eligibility

    Many professional classes also fit Coterie’s professional liability (MPL), which we confirm is available in your state before quoting. 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.

    Quote and bind in minutes: Coterie Quote and Bind

    Prefer a phone call? America Insurance Brokers can walk Alabama real estate offices through every option.

    Get a quote

    Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama offices of real estate agents and brokers.

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

  • A Coverage Checklist for Alabama Flooring Contractors

    Independent insurance agency
    Flooring Contractors · Alabama

    A Coverage Checklist for Alabama Flooring Contractors

    Ask flooring contractors in Tuscaloosa what worries them most and you’ll often hear about a customer getting hurt or a client’s property getting damaged. America Insurance Brokers helps Alabama owners quote coverage built for small businesses through Coterie (Insurance provider).

    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.

    What could go wrong?

    Here are the claims flooring contractors see most often: 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. If your business is found negligent, medical bills or repair costs can land on you.

    A class Coterie knows

    Flooring Contractors ranks #26 on Coterie’s Top 100 classes list (December 2025), so this is a business type Coterie actively writes.

    Choosing your coverage

    General liability: 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.

    Business owner’s policy: A BOP can protect office property, and contractor tool coverage can be added at higher limits.

    Eligibility notes for flooring contractors

    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.

    Service built for small business

    Coterie’s process is fully digital. Quotes and binding happen in minutes, certificates are issued on demand, and real people answer the phone when you have questions. Policyholders also get Manage My Risk, Coterie’s free risk assessments, safety guides and compliance checklists.

    All coverage is subject to underwriting and availability.

    Ready for a quote? Quote and bind with Coterie online

    Have questions first? Call America Insurance Brokers to talk with an AIB agent about coverage for Alabama flooring contractors.

    Get a quote

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

    This field is for validation purposes and should be left unchanged.
    Business Contact(Required)
    Click here to call Get My Quote Start your Coterie quote

    Clicking securely pulls in your current coverage so AIB can shop our 35+ carrier appointments for you.