Services & Coverage

General Liability protects your restaurant, cafe, or bar against third party injury and property damage claims, from a customer slip and fall to accidental damage on the premises.

Liquor Liability is essential coverage for any operation that serves, sells, or delivers alcohol, protecting against claims arising from intoxicated guests.

Food Spoilage coverage reimburses inventory losses from refrigeration failure or extended power outages, a common and costly risk in food service.

Property Coverage protects your kitchen equipment, dining room, and building against fire, theft, and other covered losses.

• General Liability
• Liquor Liability
• Food Spoilage
• Commercial Property

Business Owner Policy (BOP) bundles general liability and commercial property into a single, cost efficient policy, a strong starting point for most retail shops and offices.

Commercial Property covers your building, fixtures, and inventory against fire, theft, water damage, and other covered perils.

Cyber Coverage protects your business against data breaches, payment system failures, and other digital exposures that come with running a modern storefront or service firm.

• Business Owner Policy
• Commercial Property
• Cyber Liability
• General Liability

Workers Compensation is required coverage for nearly every commercial employer in California, protecting employees and staff who are injured on the job.

Umbrella & Excess Liability adds an extra layer of protection above your primary liability policies, an important safeguard for property owners and contractors facing larger exposures.

Commercial Property protects owned buildings, equipment, and tools against damage or loss, whether you manage a single property or a growing portfolio.

• Workers' Compensation
• Umbrella & Excess Liability
• Commercial Property
• General Liability

Auto Liability is core protection for vehicles operating commercially on public roads, sized to your authority and operation.

Cargo Insurance protects the freight you haul and the loads brokered under your authority, from dry vans and reefers to flatbeds and hot shots.

Physical Damage covers collision and comprehensive losses that keep your trucks, trailers, and delivery vehicles on the road.

High Risk Profiles including new authority, prior claims, or specialized equipment are a Fortis specialty. This remains a core line of business alongside our broader commercial offerings.

• For Hire Auto Liability
• Cargo
• Physical Damage
• High Risk Profiles