Business Insurance Solutions for San Francisco, Bay Area Companies

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Comprehensive Coverage Options

Our business insurance San Francisco, Bay Area practice covers every major line your company may need—from commercial general liability and workers’ compensation to cyber exposures and executive D&O. If you're headquartered in the South Bay, Los Gatos or Sunnyvale, we bring neighborhood-specific insight and broad carrier access.

Business Insurance Services

We offer a full range of business insurance options, each customizable to your needs — with opportunities to bundle for added savings.

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Workers’ Compensation Insurance

Details on work comp coverage for employers.

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General Liability Insurance

Coverage for third-party injury/property claims.

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Cyber Liability Insurance

Protection against data breaches and cyber threats.

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Directors & Officers (D&O) Insurance

Executive liability coverage for leaders of companies/non-profits.

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Commercial Property Insurance

Protection for business property, assets, earthquake coverage, etc.

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Commercial Auto Insurance

Coverage for company vehicles and fleets.

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Employment Practices Liability (EPLI)

Coverage for HR-related claims (wrongful termination, harassment).

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Professional Liability / E&O

Coverage for service delivery-related claims (missed deadlines, faulty advice, technical errors or breach of contract).

Umbrella / Excess Liability

Umbrella and excess liability insurance provides an extra layer of protection  when the limits of your primary business policies are not enough.

ERISA Compliance Coverage

ERISA bond coverage is designed to protect retirement plans such as 401k programs from losses caused by fraud or dishonest acts involving plan funds.

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Business Insurance Partners

Our agency partners with top-tier insurance carriers and licensed across multiple states to serve businesses with wide-ranging needs. Benefit from our commitment to compliance and continuous adaptation to regulatory changes, offering best-in-class service with a Silicon Valley touch.

Why You Need It

Running a business in San Francisco, Bay Area means exposure to risks like client lawsuits, employee claims, data breaches, and facility damage. Most commercial leases and client contracts in the Bay Area demand proof of coverage such as general liability or workers’ comp. Ensuring you have the right insurance helps your company meet those demands and operate with confidence—even in unpredictable markets.

Our Approach

At Shepherd & Associates, we begin with a tailored risk-analysis review of your specific operations—whether a tech startup in downtown San Francisco, Bay Area, a law firm in Willow Glen, or a manufacturing shop in Milpitas. From there we shop multiple carriers, negotiate the best terms, and deliver a policy package you understand. Annual reviews keep your program aligned with growth, acquisitions, or changing exposures.

Business Insurance FAQs

  • How much does business insurance cost for a small San Francisco, Bay Area firm?

    Costs vary by industry, payroll size, claim history and coverage limits—but general liability averages under $50/month for many small Bay Area businesses.

  • Is workers’ comp required in California?

    Yes—if you have employees in California you must carry workers’ compensation insurance, including part-time staff.

  • Do I need cyber insurance if I have fire & liability coverage?

    Yes—cyber coverage is distinct and addresses data breaches, ransomware and regulatory notification costs that standard policies may not cover.

  • How often should I review my insurance program?

    Annually at minimum, and immediately following any major change in payroll, operations, state licensing or revenue.

Let’s Protect Your Business

If you’d like to review your current coverage or want a fresh perspective on what your business needs, reach out and we’ll set up a no-obligation consultation to identify any gaps and recommend optimized solutions.

  • (408) 526-1112