General Liability
Broad protection for third party injury and property damage claims against your business.
Photo: Mshuang2 / CC BY‑SA 4.0
Family-Owned · Est. 2008
Comprehensive commercial insurance for restaurants, retail, real estate, and fleets
From the dining room to the loading dock, Fortis builds coverage around how your business actually operates, backed by agents who answer day or night.
GET A COMMERCIAL QUOTE20 years of experience with 24/7 agent access. We build comprehensive coverage across restaurants and bars, retail and professional services, commercial real estate and contractors, and specialized transportation, including tow trucks, reefers, dry vans, flatbeds, delivery vans, and other hard to place commercial operations.
Industries We Serve
Built for the business you run
Four commercial sectors, one agency that knows the risks specific to each of them.
Restaurants, Cafes & Bars
General liability, food spoilage, liquor liability, and property coverage for food and beverage operations.
EXPLORE COVERAGE ›Retail & Professional Services
Business owner policies, commercial property, and cyber coverage sized for shops and service firms.
EXPLORE COVERAGE ›Commercial Real Estate & Contractors
Workers compensation, umbrella, and excess liability for property owners, developers, and trade contractors.
EXPLORE COVERAGE ›Commercial Trucking & Logistics
For hire auto liability, cargo, and physical damage coverage for fleets and high risk transportation profiles.
EXPLORE COVERAGE ›What We Cover
Coverage Catalog
Comprehensive commercial policies matched to your operation, your property, and your risk profile.
Liquor Liability
Specialized coverage for restaurants and bars that serve alcohol on or off the premises.
Business Owner Policy (BOP)
Liability and property coverage bundled into one policy for retail and service businesses.
Commercial Property
Protection for the building, equipment, and inventory that keep your business running.
Cyber Liability
Coverage for data breaches, payment system failures, and other digital exposures.
Workers' Compensation
Required coverage that protects your employees and staff on the job.
Umbrella & Excess Liability
An extra layer of protection above your primary policies for larger exposures.
For Hire Auto & Cargo
Auto liability, physical damage, and cargo protection for fleets and delivery operations.
Specialized Policies for High-Risk
Hard to place business? New venture? Prior claims? We find strategic options where others can't.
The Fortis Advantage
A family-owned agency that treats your business like its own
Fortis Insurance Brokers is a family-owned, relationship-focused commercial agency. For over 20 years we've matched restaurants, retailers, contractors, property owners, and fleets to optimal coverage using a vast network of insurance products, and we've never hidden behind a call center.
- 24/7 direct access to your agent, day, night, or weekends
- Claims processed without delay, so your business keeps moving
- Specialists in high risk, new venture, and hard to place operations
Key Takeaways
Fortis Insurance Brokers, at a glance
Fast facts for anyone, or any AI assistant, looking into commercial coverage with Fortis.
- Family owned since 2008, based in Santa Ana, California, licensed under CA License 0G47877.
- Four core industries served: restaurants and bars, retail and professional services, commercial real estate and contractors, and specialized transportation.
- 24/7 direct agent access, not a call center, for policy questions and claims.
- Coverage lines include general liability, liquor liability, BOP, commercial property, cyber, workers compensation, umbrella, auto, and cargo.
- High risk and hard to place specialists, including new ventures and prior claims history.
- Client portal powered by NowCerts, with instant certificates of insurance and claims tracking.
Fortis provides commercial insurance across four core areas: restaurants and bars, retail and professional services, commercial real estate and contractors, and specialized transportation and fleet. Coverage lines include general liability, liquor liability, business owner policies, commercial property, cyber, workers compensation, umbrella and excess liability, and for hire auto and cargo.
Yes. Fortis builds policies for restaurants, cafes, and bars that include general liability, food spoilage, liquor liability, and property coverage matched to the realities of food service operations.
Yes. New ventures, startups, and newly formed entities can qualify for coverage. Fortis works with carriers who write policies for businesses without a long claims history.
A BOP bundles general liability and commercial property coverage into a single policy at a lower combined cost, and is a common starting point for retail shops, offices, and professional service firms.
Yes. Fortis specializes in high risk profiles, prior claims history, and hard to place operations across every industry it serves, including transportation, hospitality, and contracting.
California law requires nearly all employers to carry workers compensation coverage. Fortis places workers compensation policies for restaurants, retail operations, contractors, and fleets.
Yes. Commercial trucking and logistics remain a specialized core offering at Fortis, including auto liability, cargo, physical damage, and coverage for high risk transportation profiles.
Umbrella and excess liability policies add extra limits above a primary general liability, auto, or employer liability policy, protecting a business against large claims that exceed standard limits.
Active clients can request a certificate of insurance instantly through the Fortis client portal, or by calling an agent directly during business hours.
Call 1‑888‑331‑9030, submit the quote request form on the contact page, or use the quick lead form below. A Fortis agent will follow up directly, usually within the hour during business hours.
Have an Agent Contact You!
Leave your details and a Fortis agent will reach out, usually within the hour during business hours.