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Commercial Insurance

Businesses in all industries must maintain certain types of insurance to protect the company assets and to meet industry regulations and legal requirements. They may require liability, property coverage, workers’ compensation and many other products. Each commercial insurance package is tailored to the unique needs of that business to ensure maximum coverage for the time when unfortunate circumstances occur. The goal is to mitigate loss and enable the business to continue or resume operations after an incident for long-term success.

Hospitality Insurance

Business owners in the hospitality industry face unique challenges. They need maximum protection from claims made by injured guests as well as from damage to the property by guests, natural disasters and other situations. The type and amount of coverage needed will depend on what amenities and services the business offers. The package must be customized to provide maximum protection in every scenario.

Risk Management Icon

Risk Management

All businesses must deal with some amount of risk, but it is critical that they know how to manage and mitigate risk whenever possible. With the right tools, they can reduce expenses and losses and ensure the business continues to operate successfully for the long-term. This process begins with choosing the right products and services and continues with administration and claims management.

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Employee Benefits

S&K Financial and Insurance Service offers a wide range of employee benefits to help small and medium-sized businesses obtain and retain valuable employees. Today’s market is competitive and smaller companies often struggle to compete with large corporations in hiring and keep the best employees. With the right benefits package, you can stand out amongst the competition.

Custom Products with the Personal Touch

With more than $1 billion in premiums written and a member of ISU International, S&K Insurance offers premium products and services for the insurance and management needs of businesses. At the same time, the company provides a personal touch to each interaction to ensure they are best serving the needs of their customers.

RECENT BLOGS POSTS

Toni Shibayama October 3, 2024

7 Important Employee Benefits Trends in 2024

1. Managing Health Care Costs According to several industry surveys and reports, employers anticipate health care costs to grow between 6% and 8.5% in 2024, the largest increase in more than a decade. Many employers will plan...

Toni Shibayama September 29, 2024

Sexual Harassment: a Nightmare No Club GM Wants to Sleep Through

by Toni Shibayama

A Country Club GM wakes up one morning, grabs a cup of coffee, and logs on to his computer. As he does his morning search for sports scores, stock prices, and new book releases on Amazon, he casually Googles “Country Club Sexual Haras...

Toni Shibayama November 5, 2023

Being Leadership Driven is All About Job Safety

by Toni Shibayama

“Leadership driven” goes beyond showing interest in a safety initiative. It means that company leadership is actively educating and communicating. This is critical because if employees don't see a continued interest in this initiative...

Toni Shibayama November 4, 2023

Avoiding Employee Lawsuits Should Be Priority One for All Employers

by Toni Shibayama

A survey of CEOs revealed their biggest challenge was not in the manufacturing or distribution of their products or services, but rather in hiring, managing and keeping quality employees. When you couple this with the fact company own...

TESTIMONIALS

Liddy Pederson

Nikki Saffrey

Kate Mirkovich

Voices of Satisfied Clients

Voices of Satisfied Clients Image

I would like to express my thanks to S&K for their assistance in researching and finalizing our insurance requirements. The detailed information provided to The Riviera Country Club and the availability of the staff at S & K in answering our questions or concerns, greatly aided me in recommending an excellent final choice for our club’s insurance coverage. I feel comfortable recommending S & K Financial and Insurance Services.

General Manager, Riviera Country Club

General Manager, Riviera Country Club Image

On behalf of Jonathan Club I wanted to take this opportunity to thank you for your hard work as our Broker and Human Resources Support person. As our designated Broker I have seen the expected energy and support that you promised when you partnered with our organizations. The due diligence, negotiation skills you demonstrated and programs implemented have already had a substantial financial impact on the organization. I cannot be happier with your company and that you have been able to implement so much so successfully and seamlessly. Once again many thanks for your support and professionalism.

General Manager/Chief Operational Officer, Jonathan Club

General Manager/Chief Operational Officer, Jonathan Club Image

We have been working with S&K Financial for over 10 years. They provide us not only with competitive insurance programs, but also with the added value of being advocates for both the company as well as the individual employees. We rely on their broad based knowledge to help us navigate the cumbersome web of insurance.

Director of HR, Catalina Channel Express

Director of HR, Catalina Channel Express Image

After comparing what we were receiving in service and value it just made business sense that we move to S&K Financial and Insurance Services. We not only got a benefits broker but a business partner that understands our goals and mission.

VP of Operations, Big Saver Foods

VP of Operations, Big Saver Foods Image