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

For consumers and business owners committed to “going green”, a wide range of insurance options are now available. Below is a breakdown of some of the innovative, eco-friendly products, services and discounts offered by many insurers.

Holding money and leafVehicles

  • Hybrid discounts. Some auto insurance companies offer premium discounts of up to 10 percent for those who drive hybrid vehicles. A similar discount may also apply to hybrid-electric boats and yachts. Some auto policies have the option of adding an endorsement to upgrade to a similar model hybrid vehicle after a total loss.
  • Alternative fuel discounts. If your car uses an alternative energy source, such as biodiesel, electricity, natural gas, hydrogen or ethanol, you could be eligible for a discount on your premium.
  • Pay as You Drive (PAYD) programs. Several insurers offer PAYD programs, in which a device or sensor in the car tracks miles driven, as well as speed. Depending on the program, different techniques are used to collect the information; some take odometer readings, others may use GPS systems. The information is then used to reward policyholders who drive fewer miles than the average driver by providing them with discounts. According to some estimates PAYD subscribers may decrease their miles driven by 10 percent or more, saving consumers money while reducing accidents, congestion and air pollution. 


Insurers are helping to promote sustainable building practices by offering green homeowners and commercial property policies, including:
  • Premium discounts for those whose homes meet stringent efficiency and sustainability standards, e.g., LEED certified homes (LEED is short for the Leadership in Energy and Environmental Design Green Building Rating System, developed by the U.S. Green Building Council and is a recognized environmental standard in the building world). 
  • Homeowners coverage that replaces/rebuilds after a loss with more eco-friendly materials is often offered as an endorsement to a standard homeowners policy. Some companies will pay homeowners extra if they replace old kilowatt-hungry appliances with Energy-Star devices and recycle debris rather than send destroyed materials straight to a landfill. (The Energy-Star label means the appliances meet an energy-savings rating created by a joint program of the U.S. Environmental Protection Agency and the Department of Energy.) 
  • For homeowners who generate their own geothermal, solar or wind power and sell any surplus energy back to the local power grid, there are now policies that cover both the income lost when there is a power outage caused by a covered peril and the extra expense to the homeowner of temporarily buying electricity from another source. Policies generally cover the cost of getting back online, such as utility charges for inspection and reconnection. 


Green commercial property insurance policies and endorsements—some of which are directed at specific segments of the business community such as manufacturers—allow building owners to replace standard systems and materials with green ones, such as energy efficient electrical equipment and interior lighting, water conserving plumbing and nontoxic and low odor paints and carpeting, after a loss. In the event of a total loss, the policy will often cover the cost of rebuilding as a green certified building. This coverage may also pay for engineering inspections of heating, ventilation, air-conditioning systems, building recertification fees, replacement of vegetative or plant covered roofs and debris recycling. Some cover the income lost and costs incurred when alternative energy generating equipment is damaged.

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