Commercial Insurance Services

Choosing the right commercial insurance plan for your business can be very confusing, so we have developed many different options and programs to meet the needs of our commercial insurance clients in California.

At George FJ Hill Insurance, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in indentifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business.

Whether you are a retailer, wholesaler, contractor, or electrician, we can tailor a package to meet your specific needs and requirements.

Workers Comp

Protect one of your business' most valuable assets by securing Workers Compensation insurance. With this insurance, your people are protected financially in the event of illnesses, diseases, injuries and disability incurred while at the workplace.

Workers Compensation Insurance pays for medical care and physical rehabilitation of injured workers and helps to replace lost wages while they are unable to work. It may also provide benefits for dependents of those workers who are killed because of work-related accidents or illnesses.

General Liability

In today's litigious society, even small mishaps can result in large lawsuits. That's why General liability insurance, along with property and worker's compensation insurance, are essential for most companies. Liability insurance protects the assets of a business if it becomes involved in a lawsuit. Other coverage for premises and operational liability, medical payments and contractual liability are also included.

General liability insurance can be purchased separately or as part of a business owner's policy.

Bonds Insurance

Bonds (also known as "financial guaranty insurance") are a type of insurance whereby an insurance company guarantees scheduled payments of interest and principal on a bond or other security in the event of a payment default by the issuer of the bond or security. As compensation for its insurance, the insurer is paid a premium (as a lump sum or in installments) by the issuer or owner of the security to be insured.

Bonds are a form of "credit enhancement" that generally results in the rating of the insured security being the higher of the claims-paying rating of the insurer and the rating the bond would have absent insurance.

Commercial Auto

Whether you’ve finally decided to start your dream business or you’re just in charge of the company fleet, if your business owns vehicles for any reason you’re going to need to find commercial auto insurance coverage to protect your assets. In many respects, commercial auto insurance functions much like your own personal car insurance, but with a few key differences that are worth knowing about before you have to negotiate with an insurance company.

Unlike most personal vehicles, commercial vehicles are only on the road during the busiest hours of the day, and many are oversized vehicles like vans or trucks that can require special licensing and great skill to drive safely. A good commercial auto insurance package will take all of these factors into consideration to offer you an effective liability policy that covers your business against costs and lawsuits stemming from accidents.

Employment Practices

Employment Practices Liability provides protection against the risks related to discrimination claims, workplace harassment, wrongful termination or other employment practices.