Tag: 812990

What could go wrong?

Here are the claims personal service businesses see most often: customer injuries on your premises and property damage at client sites. Customers spend time in your space or let you into theirs, so injury and property damage claims are the main concern. If your business is found negligent, medical bills or repair costs can land on you.

A class Coterie knows

All Other Personal Services ranks #50 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 equipment, supplies and business income in one policy.

Eligibility notes for personal service businesses

This is a broad class, so we confirm your exact operations in underwriting. 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 personal service businesses.

Get a quote

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