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.
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.
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.
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.
Sexual Harassment: a Nightmare No Club GM Wants to Sleep Through
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...
Avoiding Employee Lawsuits Should Be Priority One for All Employers
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...
Top 5 Reasons to Update Your Job Descriptions Now
Top 5 Reasons to Update Your Job Descriptions Now By Toni Shibayama No law requires an employer to have or maintain job descriptions. However, there are several benefits to having detailed job descriptions for each position in your organization.Recruitment: Having a...
The Growing Threat of Cyber Risk to Your Club
Imagine you’re a Club General Manager and it’s Friday evening and you are just sitting down to dinner after a long week. You get a call from your HR department, and the conversation starts like this “Our members are calling and they are telling me their personal...
The Myth of the Bad Employee
The Myth of the Bad Employee By Toni Shibayama Many employers believe that bad or fraudulent employees drive up Workers’ Compensation costs. When an employee is off on Workers’ Comp for an extended period of time, it’s not uncommon for an employer to say, “Tom was...
Curing WorkCompitis
Curing WorkCompitis By David R. Leng You might not be familiar with the disease named WorkCompitis, but as a business owner you may be suffering from its symptoms. According to the Institute of WorkComp Professionals’ (IWCP) employer surveys, 75% of employers suffer...
Vi Nguyen
Freddy Damavandi
Erika Rotola
Voices of Satisfied Clients
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
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, Riviera Country Club
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
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
S&K Financial and Insurance Service, INC
34 Silver Spur Road, Suite 201,
Rolling Hills Estates, CA 90274
https://sk-insurance.com/
M-F: 8:30 am - 4:30 pm
SA-SU: closed

Serving California's Insurance Needs Since 1964 - S&K Insurance © 2026









