Baker, Romero & Associates

Insurance Brokers, Inc.

“Focusing on the Human Side of Doing Business”

What we offer

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 to put our clients’ needs 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

  • 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.

  • 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.”

  • 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.

  • Employers can be held liable if their employees (or volunteers) are involved in an automobile accident on company time. Employers should carry a Non Owned Automobile policy to protect their business or organization in the event of an automobile accident. Non Owned Auto Liability can also be added to the business package policy as an endorsement.

  • 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

  • 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.

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