Tag: 561790

Three questions to ask about your coverage

1. What could go wrong? For building and dwelling service businesses, it’s often damage to client property, a resident tripping over equipment, and chemical or water mishaps. You work on property that belongs to someone else, and owners and managers commonly require a certificate.

2. Do I need GL or a BOP? General liability handles third-party bodily injury, property damage and (for most classes) personal and advertising injury, with per-occurrence limits of $300K, $500K, $1M or $2M. A BOP adds property and business income protection. A BOP can protect your equipment and office and add business income.

3. Will my business qualify? Coverage depends on your exact operations, so the service class and any prohibited work are confirmed during the quote. Coterie generally accepts businesses with up to $10M in revenue and 50 employees, one location per policy, limited losses in the past five years and no prior cancellations. Startups and home-based businesses can qualify too.

Where this class ranks with Coterie

Other Services to Buildings and Dwellings is #7 on Coterie’s Top 100 classes list (December 2025), so it’s one of the business types Coterie writes most often.

What comes with a Coterie policy

You can get an instant quote, bind online and get certificates right away. Policyholders also have free access to Manage My Risk, which includes risk assessments, safety guides and compliance checklists you can use with your team.

Coverage is subject to underwriting and availability.

Get a quote

Start your Coterie quote online, or call America Insurance Brokers to talk through your options for Alabama other services to buildings and dwellings.