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Hill & Usher Insurance

Established in 1995, Hill & Usher started as a boutique construction-only insurance firm specializing in large and hard-to-place commercial accounts.

Today, Hill & Usher is a full service agency protecting individuals and businesses working and living throughout the United States. Our careful attention to automation, desire to create a quality customer experience, comprehensive staff training programs, and close relationships with the nation’s finest insurance carriers attract new clients everyday.

As the firm’s founder and current Principal, Richard B. Usher remains intimately involved with the agency’s operations. Richard’s knowledge and experience in both the field of construction and insurance assists him as Hill & Usher develops specialized insurance programs and new, innovative ways of managing risk and running a business. Richard’s career experience includes construction, business management consulting, risk management, and insurance. In 2001, Richard was honored by Engineering News Record as a “Top 25 Newsmaker” for his work on payment issues for contractors nationwide.

Through our broad selection of insurance carriers, Hill & Usher provides diverse products and services to businesses and individuals.

Hill & Usher also provides customized, highly competitive programs in a variety industries and specialization areas, including:

New Business Ventures
Trade & Artisan Contractors
Homebuilders & Real Estate Developers
Workers’ Compensation (all industries)
Condominium Construction / Tract Housing Development
Landscape Maintenance & Construction (
Remote Control Aerial Photographers (
Restaurants, Bars, and Taverns (
Wedding, Commercial & Architectural Photographers & Studios (
Professional Services (Lawyers, Accountants, Engineering Firms)
High net worth Families and Individuals


Ste 300
3033 North 44th Street
Phoenix, Arizona 85018

Office Hours

  • Monday 8am - 5pm
  • Tuesday 8am - 5pm
  • Wednesday 8am - 5pm
  • Thursday 8am - 5pm
  • Friday 8am - 5pm
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Hill & Usher is hands down THE best insurance provider for our small business! We've done lots of research, and they offer the best rates and cover a lot of things that other insurance providers don't cover. Not only that, but they are incredibly friendly, reliable, and easy to get in touch with. The option to text/call at any time is super helpful. They never pressure you, but give you the information you need and make sure to explain things thoroughly! Can't recommend them enough!!!”
“I have been with Hill and Usher for over 13 years. They are a good company, but I have to say Richard works his butt off for me to find a better rate or company for my photographic tour needs. I have to give Richard 10 stars out of 5. Thank you.”
“Absolutely AMAZING!!!!!!!! I cannot recommend Hill & Usher Insurance enough! We have been using them for a few years now. They have always been very responsive and their customer services is out of this world! We had some issues and they were able to help us resolve all our problems in a crunch! Seriously, look no further! they have great value and outstanding customer service! In our industry (photography) we value that the most!”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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