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Small Business Insurance from Pennbrook Insurance Services


We’ve been helping San Francisco-area businesses find affordable business insurance options since 1982. Providing guidance for Small Business Insurance options for businesses in the San Francisco area for over three decades has helped us understand what small business owners like you need to protect your business. We’ll make sure you get the best business insurance for your unique needs, from general liability insurance to specific business insurance coverage plans designed just for you. And we make it quick easy: Your quote will take less than 10 minutes to prepare. Ready to see the right coverages for your Small Business?



Why Do I Need Business Insurance?

Owning or running a business brings risks. Business insurance can help protect against those risks. The right insurance can help make sure your personal and business assets stay protected from the unexpected. In some instances and within certain states, the law might require you to buy certain types of business insurance. For example: Most states require businesses with employees to have workers’ compensation, unemployment, and disability insurance.


What Business Insurance Coverages Should I Consider For My Business


Business Owners Policy

At Pennbrook Insurance Services, we’re committed to providing insurance solutions that keep small businesses and medium-sized businesses protected. We do this combining carefully chosen coverage options into one convenient package called a Business Owner’s Policy (BOP). That way, you’ll get more benefits than a typical Business policy. And you’ll save more money because of competitive pricing. Your package can include coverages like:

·Business Property Insurance – helps protect the physical location that your business owns or leases, as well as equipment and/or inventory.

·General Liability Insurance – helps protect your business financially if you’re found liable for property damage, or for personal and advertising injury caused by your services, business operations or your employees.

·Business Income Insurance – helps replace your lost income if a covered loss prevents you from doing business.

A Business Owners Policy from Pennbrook Insurance Services gives your business a customized insurance policy, plus the flexibility to add special coverages based on your unique needs.



General Liability Insurance

As a business owner, you want to focus on serving your customers and increasing your profits. You don’t want to spend your time worrying about risks.  You need to keep your day-to-day operations running smoothly, while also making sure your employees and property are protected from injuries and damage. Pennbrook Insurance Services can help design your policy to safeguard your best interests and make sure your business runs smoothly if something happens.

Commercial General Liability from Pennbrook Insurance Services can help cover the cost of claims against your business in scenarios like:

·Third Party Property Damage – when you or someone on your payroll damages a someone else’s property, it can lead to a  property damage claim against your business

· Third Party Bodily Injury – if a person is injured on your business property, they could make a bodily injury claim against your business

·Advertising Injury - if your advertising slanders or libels someone or something, they could sue your or file a claim against your business

·Reputation Harm – if someone says your harmed their reputation, they could sue your or file a claim against your business



Workers' Compensation Insurance

Pennbrook Insurance Services understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication. If you give them quality benefits and plans, they can work with the peace of mind that they’re properly protected.

But should an accident happen, having the right Workers’ Compensation plan from Pennbrook Insurance Services can help. It will protect an employee if they have a workplace injury or illness. Workers’ Compensation insurance pays for an employee’s medical expenses, can can help cover some of their lost wages while they recover.

If your business does not offer Workers’ Compensation insurance, serious injuries that occur on the job could lead to an employee suing your company for damages.



Professional Liability Insurance

You’re more than just a business. You’re a professional. And you need the kind of coverage that protects you. That’s why we recommend adding Professional Liability Insurance to your business package. It insures the people and entities in your business from negligent claims made by third parties, or even internal employees.

There are many kinds of professional liability lawsuits that can put your business at risk. These includes claims like failure to render a service, and malpractice suits. Professional Liability Insurance coverage can help. It covers you and your company against lawsuits that blame you for:

·Financial harm – if a client or customer claims your business made mistakes in providing advice or services, and it caused them financial harm

·Failing to perform – if a client claims your business didn’t do what it was supposed to, or performed a service incorrectly

Even if you’ve done nothing wrong, you can still be sued for your work. Rest easier knowing you’ll be covered for claims and lawsuits.


Get a Small Business Insurance Quote Today

We know what it takes to help make sure your business is properly covered. Give us a call today and speak with one of our insurance specialists, or get a fast, free Small Business Insurance online quote for your business in less than 10 minutes today.


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