44 Second Street San Francisco, CA 94105 (415) 512-2100 Facebook Twitter LinkedIn Google+ Yelp


Car and House

Personal Insurance

We provide a full range of coverages for your personal insurance needs. From the first time buyer, to high valued homeowner, automobiles, and umbrellas. We will review, quote, and secure coverages for your needs.

Get Started

Commercial Insurance

From the initial startup company to the publicly traded corporation, we will review, quote, and secure coverage for your business. We have found that transferring risk to an insurance company is often the most efficient way to protect your corporate assets and human resources.

Get Started

Health & Life Insurance

Protect the ones you love the most with the proper coverage for your needs. Everyone’s needs are unique and finding secure coverage can be stressful. Whether you want to cover your family, yourself or the people who help your business going, we’ll find the right plan for you.

Get Started

Broken shop windowIf you operate a retail business, having the right type of business insurance is essential. This type of coverage protects you, the owner, as well as the business itself from a variety of risks. Many business owners lack the proper level of coverage and that can pose a significant risk. Consider the following retail business insurance plans you should have for optimal protection.

#1: Covering All of Your Property is Necessary

In most retail businesses, it is essential to have ample coverage for all risks. This includes the actual property (building and signage), as well as other assets. This includes your inventory, equipment and computer systems.

#2: Ensure You Have Enough Coverage

One of the biggest mistakes retail business owners make is not having enough coverage for all risks and assets. It may be tempting to choose a lower cost policy, but if that policy reduces coverage below risks, it is not worthwhile. It's important to choose a policy that's comprehensive enough to cover all aspects of the business, including replacing inventory, rebuilding as needed and paying employees.

#3: Reduce Costs through a BOP

Many owners still need affordability in an insurance plan. One way to accomplish this is through the use of a business owner’s policy (BOP). In short, it allows the user to bundle numerous insurance plans together into one package, reducing overall costs. This can help your business to maintain high value coverage, while reducing overall premium costs.

#4: Choose the Right Insurer

The best route to covering your retail business is to work with an independent insurance agent that understands and specializes in your industry. The value of this can be outstanding. Not only will you have an agent that knows what your needs are, but he or she can help you to choose policies that truly cover your risks.

#5: Maintain Ample Liability Coverage

Retailers often don't purchase the same amount of liability coverage because their risks are different than those of bigger businesses. However, you still have risks to manage. Purchase liability plans that cover not just slips and falls, but also cover employee injury, equipment failures and employee mistakes.

Overall, working with a high-rated insurance agent that knows your industry well is important. He or she can help you to find a policy that offers peace of mind.

We’ve got you covered. Call us at (415) 512-2100 for more information on San Francisco retail business insurance.

Share |


Callum Palmer said...
I think the article makes a really good point about making sure that your business has enough coverage. Theres no real way to tell what might happen that youd wish you had insurance for after all. One of the better strategies is to probably look at what problems business around you have had in the past and look at those histories as a base for where you should start your insurance coverage. http://www.insuranceunlimitedofbozeman.com/business-insurance-bozeman-mt-general/
MONDAY, AUGUST 14 2017 5:48 PM

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive

View Mobile Version
Contact Us
Latest Blog Posts   Checklists

Personal Insurance We offer many different ways to help you cover your valuables. Check off the coverages you would like to discuss with us. Start >>
Commercial Insurance Each business is unique and requires a unique policy. Check off the coverages you would like to discuss with us. Start >>
Health & Life Insurance Be prepared for the road ahead. Let us know what services you are interested in learning more about by filling out this checklist. Start >>
Our Partners
Our Location About Sweet & Baker Commercial Services Personal Services Health & Life
Sweet & Baker Insurance Brokers
44 Second Street
San Francisco, CA 94105 - 3440
Phone: (415) 512-2100
Fax: (415) 512-1115
M-F 9am-5pm
License# 0B60897
Our Team
Compensation Disclosure
In The News
Insurance Links
High Value Homes
Estate Planning
How to Choose A Plan
Directory of Providers
Employee Connection
HR Services / HR Hotline Alert
Life Insurance for Key-Person
Maxwell Health ThinkHR