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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.

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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.

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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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business start-upA business start-up requires an immense amount of dedication, hard work, time and money. Any entrepreneur will agree that it takes some serious start-up capital to pay for a location, internet access, a phone system, computer equipment, advertising and much more. Luckily, there are a variety of business insurance policies designed to protect your investment from unforeseen disasters.

Many small to medium sized businesses benefit from a policy called a business owner’s policy, or a BOP. This policy bundles together property and liability coverage, along with additional coverages of your choosing. This bundle is often the most cost-effective insurance solution for new businesses because a BOP is cheaper than buying several individual policies. With a BOP, you get the coverage you need for a price you can afford.

Of course, as your start-up grows and expands, you can look into more coverage options in order to build a more comprehensive business portfolio. Let’s take a look at a few of the most common coverages.
  • Property: Covers business-owned property (buildings, furniture, inventory, etc.) in the event that it’s damaged or stolen in a covered event.  Ie. fire or theft.
  • Liability: Covers the expenses that the insured is legally liable for paying, such as a third party injury on property or as a direct result of company actions or products.  Ie. third party slip and fall claims that occur in a company’s office. 
  • Data breach: Covers electronic resources from a variety of cyber risks.
  • Loss of income: Replaces lost income following a covered business interruption claim to pay for new furniture, to keep paying employees, to address new lease costs such as finding a new location), etc. 
  • Commercial auto: Covers vehicles (and drivers) that are used for business purposes. 
  • Commercial umbrella: Adds another layer of coverage on top of policy limits to cover extremely costly claims.
  • Workers compensation: Covers lost wages and medical treatment for workers who are injured on the job.
Depending on the nature of your business, you may need specialized coverage. For example, a bar will need Liquor Liability coverage and a consulting company will need Professional Liability (aka E&O or Cyber/Media Liability for tech companies). Director & Officers and Employment Practices Liability are also common as a company grows. Speak with a qualified independent insurance agent for an evaluation of your business’ insurance needs. Get started today! Call Sweet & Baker Insurance Brokers at (415) 512-2100 for more information on San Francisco business insurance.
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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.
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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 >>
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