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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.

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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.

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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.

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Sweet and BakerRunning a small business involves a significant investment. Business insurance protects your investment by minimizing financial risks associated with unexpected events such as a death of a partner, an injured employee, a lawsuit, or a natural disaster. Unless you are an employer, business insurance is generally not required by law, however, it is common practice to purchase enough insurance to cover your assets. If your business is an LLC or a corporation, your personal assets are protected from business liabilities; however, neither business structure is a substitute for liability insurance, which covers your business from losses.

Your state government determines insurance requirements for businesses. Most states require businesses with employees to pay for workers' compensation insurance, unemployment insurance, and state disability insurance. Your state may require insurance of specific business activities. For example, if you own a car or truck and use it for business purposes, you may be required to purchase commercial auto insurance. Finally, your financial lender or investors may require you to maintain life, business interruption, fire, flood or other types of insurance to protect their investments.

Businesses with employees are required by law to pay for certain types of insurance: workers' compensation insurance, unemployment insurance, and, depending on where the business is located, disability insurance.

Workers' Compensation Insurance


Businesses with employees are required to carry workers' compensation insurance coverage through a commercial carrier, on a self-insured basis, or through the California Workers' Compensation Insurance program. Visit the California Workers' Compensation Office for more information on your state's program.

Unemployment Insurance Tax

Businesses with employees are required to pay unemployment insurance taxes under certain conditions. If your business is required to pay these taxes, you must register your business with the California workforce agency.

Disability Insurance

California also requires employers to provide partial wage replacement insurance coverage to their eligible employees for non-work related sickness or injury. Currently, you are required to purchase disability insurance: California Employment Development Department

Sweet & Baker Insurance Brokers

Since 1951, Sweet & Baker has grown to become one of the largest independent insurance agencies in the San Francisco Bay are. We are pleased to provide full insurance coverage for your business. From he 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. 

Sweet & Baker has relationships with well known admitted carriers and has access to over 100 specialty markets. Our lines of coverage include General Liability, Commercial Property, Worker's Compensation, Directors and Officers Liability, Employment Practices Liability and Errors and Omissions/Professional Liability. 

If you need San Francisco business insurance, give Sweet & Baker Insurance Brokers a call at 877-485-5778 for a free quote for your business. We are based on our dedication to resourceful problem solving, quality insurance products, and superior client service to place you with the coverage you need. We appreciate your business and look forward to helping you secure your business. 

Sources:

http://www.sba.gov/content/insurance-requirements-employers
http://www.sba.gov/content/business-insurance
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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
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