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

Property/casualty insurance can be broken down into two major categories: commercial lines or types of insurance and personal lines. Personal lines, as the term suggests, includes coverages for individuals—auto and homeowners insurance. Commercial lines, which accounts for about half of U.S. property/casualty insurance industry premium, includes the many kinds of insurance products designed for businesses.

Commercial insurance performs a critical role in the world economy. Without it, the economy could not function. Insurers essentially protect the economic system from failure by assuming the risks inherent in the production of goods and services. For further information on commercial lines see the Commercial Insurance Web Site (http://www.commerciallines.org).

There are over seven million small businesses in the U.S., ranging from construction firms to grocery stores to home-based businesses. All have one thing in common: Without the right insurance coverage, each could be wiped out by a disaster or a lawsuit. In addition, almost all businesses are accountable for the safety of their workers and bear responsibility for injuries suffered on the job. Visit our commercial insurance page for information on what coverages businesses should consider as well as what business owners should know about risk management and loss control.

“Other liability," which protects the policyholder from legal liability arising from negligence, carelessness or a failure to act, is the largest commercial line. It accounted for 16.9 percent of all commercial premiums in 2011. It does not include products liability, which is a separate line of insurance. Workers compensation insurance, which provides for the cost of medical care and rehabilitation for injured workers and lost wages and death benefits for the dependents of persons killed in work-related accidents, is the second largest commercial lines (16.6 percent of commercial premiums in 2011), followed by commercial auto (9.8 percent of commercial premiums in 2011).

($ billions)

(1) After reinsurance transactions, excluding state funds.
(2) Before reinsurance transactions; includes some state funds.
(3) Includes international and miscellaneous coverages.
(4) Premiums from certain insurers that write health insurance but file financial statements with state regulators on a property/casualty rather than life/health basis.
(5) Only includes non-proportional reinsurance, an arrangement in which a reinsurer makes payments to an insurer whose losses exceed a predetermined amount.
(6) Coverages protecting against legal liability resulting from negligence, carelessness, or failure to act.

Source: SNL Financial LC., III.org.

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