Hammer SoCal Insurance has been serving the people of the entire state of California since 2020. Our dedicated team of agents specializes in finding the best coverage at the best rates putting our client’s needs first. We’ll offer you a wide range of policies and plans tailor-made to fit and cover your specific business or personal requirements. Let us care about your future so you can enjoy your present. Call us today for more information.
CGL Insurance is designed to protect you and your business from a loss if you’re found legally liable for bodily injuries or property damage to a third party caused by the product you sell or the service you provide.
Compare insurance quotes from other top carriers and our insurance options. We understand your needs, rest assure our team will provide with the best rate we can possibly offer in order to make your business the best experience.
Worker’s Compensation is a type of insurance, provides replacing wages and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue their employer due negligence.
For employees that are injured or become ill because of work-related events it can help cover:
Contractor's Bond is a legally binding contract that a bond issuer purchases that guarantees the repayment of the principal and all associated interest payments to the bondholders in the event of default. Contractor's Bond is sometimes also known as Financial Guaranty Insurance.
A contract surety bond is typically used to guarantee the performance of a contractor, who is the principal, for a construction contract. Bonds help create trust that you’ll complete the required project and allow you to work on public jobs. It also protects the project owner, from harmful business practices and failure of the contractor to finish or to properly complete the specified work.
Even if your employees’ personal auto policies cover some business use of their vehicles, a personal auto policy is unlikely to provide coverage, if the vehicle in question is used primarily in business. Furthermore, it will not provide coverage for any vehicle owned by a business.
Homeowners insurance covers the actual building you live in (and associated structures like garages). With renters insurance, the landlord will be expected to have coverage on the building while your insurance will cover your personal property.
Ensuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Even when they are often confused, they are two different coverage types. Excess liability covers losses above the limits of your primary insurance policy. Umbrella liability offers higher liability limits and coverage where your underlying policy might not. Both helps you to add an extra layer of protection to your primary insurance policy.
As the name says, Excess Liability Insurance offers protection that exceeds the limits of a basic liability policy. But it only offers additional coverage to your basic insurance policy and provides you with more financial insurance security; it does not protect you if there is no existing underlying insurance policy.
Umbrella liability offers higher liability limits and coverage where your underlying policy might not, it will also provides extensive coverage for claims when there is not an existing insurance policy. An umbrella liability policy will help cover additional expenses when your basic insurance policy doesn't have enough to help cover the damages.
Liability car insurance (or liability coverage, as it's also known) helps pay for the costs of the other driver's property and medical injuries if you are “at fault” in an accident. Your insurer will pay for the property damage and injuries up to the covered limit.
Collision insurance is auto coverage that reimburses the insured for damage sustained to their automobile, due to the fault of the insured driver. This type of insurance is often added as an extension of a basic automobile policy to protect drivers in the event of damage from a collision.
Comprehensive insurance is a coverage that helps pay to replace or repair your vehicle if it's stolen or damaged in an incident that's not a collision. Comprehensive, sometimes called "other than collision" coverage, typically covers damage from fire, vandalism, or falling objects (like a tree or hail).
Personal Injury Protection (PIP) insurance covers your medical bills and lost wages when you or your passengers are injured in a car accident. PIP is optional in most states.
Uninsured motorist coverage is part of a car insurance policy that helps pay for your medical bills or car repairs if you're hit by a driver who doesn't have car insurance. Underinsured motorist coverage is a protection that helps pay for your expenses if you're hit by an underinsured driver.
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