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

San Francisco Business InsuranceA basic car insurance policy covers the everyday use of a vehicle by its owner. Some examples of this include when a car is used on social occasions, to go shopping, the school run and the day to day routine of driving to and from work. However, when a car is used over a large amount of time for business purposes, a business auto insurance policy is needed. This is due to the fact that in the event of an incident, a basic insurance policy would not cover the occurrence. Extensive mileage covered for the purpose of work, the activity of constantly driving between different offices, the lending of a car to work colleagues for business purposes, and the carrying of commercial goods, are a few examples of when an automobile is in use as a work vehicle. In cases like these, it is required that the automobile is covered by a business auto insurance policy.

Business auto insurance policies are more expensive than basic auto insurance policies. This is due to the fact that drivers of vehicles for a business are more at risk than the average driver.  Being on the road longer and covering more miles increase the chances of them being involved in an accident. This does not mean that a business auto insurance policy must be strikingly more expensive than a basic policy and those seeking insurance must not accept this as being the case.

The first step in not paying too much for your policy is knowing exactly what coverage you need. Knowing what your requirements are will allow you to avoid paying more for unnecessary coverage. What must also be evaded is the occurrence of you not having enough coverage either. If this was to occur and you were to claim, you would most probably be denied. So be honest about what you need and obtain a personalized policy that suits you. For example, in your circumstance, the car may be registered to you, and you use it mostly for personal obligations but you also need it to fulfill appointments with clients. If this is the case, then this is what you need to be covered for. Another circumstance is if the car is registered to the company itself, however you still use it for some personal obligations and work and other staff use the vehicle also. There are many scenarios covered by different business auto insurance policies. The trick is to find the right one to fit your circumstance.

For more information on San Francisco Business Insurance or to find the best commercial car insurance policy that best suits your needs call Sweet & Baker Insurance Brokers today at 415-512-2100. 

Share |

No Comments

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