Baker, Romero & Associates

Insurance Brokers, Inc.

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What we offer

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Non-Profit & Social Service Programs

Our commitment to quality service provide our clients with piece of mind.

Business Insurance Programs

We represent Best “A” rated insurance carriers.

Baker, Romero & Associates

Since 1986, Baker, Romero & Associates has built an impressive reputation with the social services community providing quality services at an affordable price. Our mission is to focus on the human side of doing business and put the needs of our clients first. Baker, Romero and Associates is unique in that it provides more comprehensive services to its clients than most other insurance brokers. We offer free Human Resource services and do not charge brokers fees with most of our insurance programs.

News and Updates

What NOT to Ask Employees or Applicants

written by Rebecca Gomez The California Fair Employment and Housing Act (FEHA) prohibits employers from making non-job related inquiries of employees or job applicants, either verbally or through use of an application form. Employers are generally prohibited from making the … Continue reading →

What Sets Us Apart

Effective Loss Control and Risk Management Programs Free
Human Resources Services with an HR Professional
Free Up To Date Employment and HR Forms
No Brokers’ Fees (w/most insurance companies)
Free Educational Workshops and Webinar
Informational Email Updates on Latest Risk Management Trends

FAQs

Why do some insurance brokers charge a broker fee?
Most property & casualty insurance brokers are paid a commission by the insurance carrier with which business is placed. In general, commissions range from 5% to 20% of the insurance premium. Some insurance brokers have made a business decision to charge an additional fee for their services. It is up to the insured to determine if the additional fee is reasonable and worth the cost.
How do I insure volunteers?
Volunteers can covered in several areas of insurance. Under the General Liability policy, they can be added as additional insured. In California, volunteers –non compensated interns- can be added to the workers’ compensation policy as an endorsement. Every worker’s compensation carrier will charge a premium based on their underwriting guidelines. A Volunteer Accident policy can be purchased to protect volunteers and non-compensated interns if they are injured “on the job.”
Are independent contractors insured under my policies?
Most standard insurance policies exclude independent contractors. As a general rule, the insured should have the independent contractor provide them with a certificate of insurance verifying the coverages that are required in the contact or MOU. There are circumstances in which independent contractors can be insured under your policy. Check with your attorney before you consider insuring an independent contractor.
Why do I need automobile insurance for my business if my employees carry their own auto insurance?
What Insurance coverages do most businesses need?
While there is no standard insurance policy that can insure all exposures, the following is a general summary of the basic insurance coverage most businesses and nonprofits should carry:

General Liability

Umbrella

Property

Professional Liability

Abuse & Molestation Liability

Directors & Officers Liability / Employment Practice Liability

Crime (fidelity bond)

Cyber Liability

Workers Compensation
Are special events automatically covered under my general liability policy?
In order to make sure that your special events are covered under your General Liability policy, always notify your insurance carrier. There is no “standard” insurance form that will cover all exposures that can arise from a special event. You may be required to purchase a separate Special Event Liability policy instead of adding to your General Liability policy because the insurance carrier may not cover the event.
A vendor requested a certificate of insurance, what is that?
A Certificate of Insurance is a document used to summarize information on specific insurance coverage(s). A vendor is usually a person or business what is selling you a product or service i.e. I.T., Caterer, D.J., etc. The vendor should provide you with a copy of their certificate of insurance. If the vendor requires that your organization add them on to your policy, consult with your insurance broker and attorney as there may be coverage issues.
How can we obtain a certificate of insurance?
Complete the Certificate of Insurance Request form so that we may process your Certificate of Insurance. When requesting a certificate of insurance please let us know the purpose for the certificate of insurance i.e. Special Event, Landlord or Funding Source, etc. Additional details will be required depending on the purpose of the certificate of insurance. Provide us with a copy of the agreement outling the insurance requirements.
What if a contract requires “special wording” to be included on the certificate of insurance?
Funding sources, counties, school districts, and Regional Centers may require additional wording, which needs to be approved by the insurance carrier. The contract will usually stipulate the special wording which needs to be included in the certificate of insurance and endorsement. Provide us with a copy of of the agreement outlining the insurance requirements so that this certificate of insurance can be processed.
A Contract requires that we name their business or entity as an Additional Insured with an Endorsement?
Many general liability policies include a Blanket Additional Insured Endorsement, which automatically provides coverage to any party to which the named insured is contractually required to provide coverage. The Blanket Additional Insured Endorsement does have limitations and should be reviewed. Without a contract, there may not be general liability coverage in place under a Blanket Additional Insured Endorsement. If the contract requires an Endorsement in addition to the

certificate of insurance, this will have to be processed separately. The intent of an additional insured endorsement is to amend the General Liability policy. Always provide us with a copy of the agreement or contract so as to notify the insurance carrier and process the endorsement.
An Independent Contractor requested that we add them as Additional Insured under our General Liability policy. Is this a problem?
Is there a workers' compensation class code for our staff that work from home?
As of January 21, 2021, a new workers compensation code, Classification 8871– CLERICAL TELECOMMUNTER EMPLOYEES, goes into effect in California. Historically, California would assign clerical workers to class code 8810, Clerical Office Employees. Under the new class code 8871, employees must work more than 50% of the time in their home or other office space away from any location of their employer.

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Press & News

November 6, 2021

2022: A Year to Be Thankful

On top of the challenges in light of year two of the COVID pandemic, organizations will be faced with additional employment challenges in the coming year. This year Governor Newsom added and clarified existing employment laws that are either in effect now or will take effect on January 1, 2022. This article focuses on five new laws that may directly impact our clients. Therefore, it is important to familiarize yourself with these new laws to protect your organization.

March 1, 2021

Protect Your Volunteers!

As nonprofits begin to open their operations and services to the community they serve, it is essential to review your volunteers’ risk management policies. Volunteers play a critical role in providing services to the community. It is up to your administration to ensure volunteers work in a safe environment. Part of your risk management practices […]

January 25, 2021

COVID-19 Vaccinations: Legal implications your organization needs to consider

Since the beginning of the pandemic, organizations have managed to overhaul the way their operations were conducted. They have implemented changes required by federal, state, and local health guidelines to focus on employees and customer safety. The Food and Drug Administration (FDA) has approved several vaccines, including Pfizer’s and Moderna, with distribution efforts seemingly problematic […]

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Baker, Romero & Associates

Insurance Brokers, Inc.

What we offer

Non-Profit & Social Service Programs

Business Insurance Programs

Baker, Romero & Associates

News and Updates

What NOT to Ask Employees or Applicants

What Sets Us Apart

FAQs

Your question is not here?

Press & News

2022: A Year to Be Thankful

Protect Your Volunteers!

COVID-19 Vaccinations: Legal implications your organization needs to consider

Contact Us

Contact Us

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