San Francisco Specialties
No matter the industry or asset, the right coverage should give you confidence, not just a policy. Our San Francisco team specializes in property and casualty solutions built around the specific risks, regulations, and realities of your business. From technology companies and food and beverage, to personal holdings and beyond, we take the time to understand your world so we can protect what matters most.
Business & Commercial Coverage
We work with companies and organizations of all sizes, from early-stage startups and venture-backed firms to established businesses, nonprofits, and everything in between. Our advisors bring deep industry knowledge across a wide range of sectors, and we take the time to understand the specific risks, regulations, and realities of your business so your coverage actually holds up when it counts. We represent you in the marketplace, not the insurance company, and we go to work finding the right fit for your needs and your budget.
Business & Commercial Coverage
Technology companies, from early-stage startups to mature ventures, often require specialized insurance solutions. Whether you develop software, manufacture and distribute hardware, or focus on life sciences, OneDigital brings the expertise and options to build a sound insurance program tailored to your tech business.
Areas of focus within the industry:
- Workers' Compensation
- Director and Officer Liability (D&O) (to include Employment Practice and Fiduciary Liability)
- Employment Practice Liability (EPLI)
- Fiduciary Liability
- General Liability
- Technology Errors and Omissions (E&O) / Cyber
- Property
- Auto Fleet
- Excess Liability / Umbrella
- Volunteer and Participant Accident / Travel / Kidnap and Ransom / Crisis Assistance
And when it comes to your people, our employee benefits team is ready to help you build a competitive benefits package and navigate the HR technology platforms that keep your workforce connected and supported.
OneDigital understands the unique exposures of the food and beverage industry. Whether your business is a manufacturer, wholesaler, retailer, distributor, restaurant group, brewpub, or wine bar with an excellent cheese and charcuterie menu, your OneDigital advisor will help you build an insurance program that fits your needs and your budget.
Areas of focus within the industry:
- Workers' Compensation
- Property Insurance
- General Liability
- Liquor Liability
- Excess Liability / Umbrella
- Director and Officer Liability (D&O)
- Employment Practice Liability (EPLI)
- Fiduciary Liability
- Cannabis Product Liability
- Manufacturers Errors and Omissions
- Cyber
- Auto Fleet
- Foodborne Illness Liability
Taking care of your team is just as important as protecting your business. Our employee benefits advisors are here to help you design benefits programs that support your employees and their families, from kitchen to front of house.
OneDigital understands the distinct exposures facing professional services firms. Whether you're a law firm, accounting firm, HR consultancy, bank, fractional CFO practice, or any other knowledge-based organization, your OneDigital advisor will help you establish an insurance program that fits your needs and your budget..
Areas of focus within the industry:
- Professional Liability
- Workers' Compensation
- General Liability
- Cyber
- Property
- Auto Fleet
- Excess Liability / Umbrella
- Director and Officer Liability (D&O) (to include Employment Practice and Fiduciary Liability)
- Employment Practice Liability (EPLI)
- Fiduciary Liability
- Travel / Kidnap and Ransom / Crisis Assistance
Your people are your most valuable asset. Our employee benefits team can help you attract and retain top talent with benefits strategies that reflect the high standards your firm already holds itself to.
Today's construction industry comes with no shortage of complex challenges. OneDigital understands that protecting your business from risk requires deep industry knowledge and access to strategic partnerships with premier insurance programs. From sourcing reliable skilled labor to hitting acceptable margins and project deadlines, our team knows the pain points and we're equipped to support your construction business with comprehensive, airtight coverage.
Areas of focus within the industry:
- Workers' Compensation
- Builders Risk
- Installation Floater
- General Liability or Contractors Liability
- Pollution Legal Liability
- Equipment Breakdown
- Auto Fleet
- Excess Liability / Umbrella
- Cyber
- Employment Practice Liability (EPLI)
Workforce retention is one of the biggest challenges in construction today. Our employee benefits team can help you build benefits programs that support the physical and financial wellbeing of the people who show up and do the work every day.
Whether your business manufactures and distributes its own product or operates as a distributor for another company, your OneDigital advisor will help you establish an insurance program that fits your needs and your budget.
Areas of focus within the industry:
- Workers' Compensation
- Property Insurance
- General Liability
- Excess Liability / Umbrella
- Director and Officer Liability (D&O)
- Employment Practice Liability (EPLI)
- Fiduciary Liability
- Cannabis Product Liability
- Manufacturer Errors and Omissions (E&O)
- Cyber
- Auto Fleet
Our employee benefits team works alongside your risk advisors to make sure your workforce is just as well protected as your operations, with benefits solutions designed around the real needs of your employees and their families.
OneDigital understands the interests and concerns of educational and nonprofit institutions. We know the common areas of exposure, including workers' compensation and safety management, and we recognize that every dollar saved on insurance is a dollar that can be redirected toward your mission. That's why we work to bring schools and 501(c)(3) nonprofit organizations the broadest coverage available at a responsible price point.
Areas of focus within the industry:
- Workers' Compensation
- Director and Officer Liability (D&O)
- Employment Practice Liability (EPLI)
- Fiduciary Liability
- General Liability
- Improper Sexual Conduct and Physical Abuse Liability
- Educators Legal Liability
- Professional Liability: Errors and Omissions (E&O ) and Malpractice
- Cyber
- Property Insurance
- Auto Fleet
- Excess Liability / Umbrella
- Volunteer and Participant Accident / Travel / Kidnap and Ransom / Crisis Assistance
That same mission-driven mindset extends to how we approach employee benefits. Our team can also help you offer meaningful benefits that support staff retention and total wellbeing, without stretching a budget that's better spent on the people and communities you serve.
OneDigital brings years of experience structuring insurance programs for real estate investment groups with diverse asset portfolios. From shopping centers in the Pacific Northwest and value-add apartment complexes, to Class A buildings in Silicon Valley, triple-net commercial assets, and off-campus student housing in New Mexico, we know investment real estate. We've been on the front lines for decades, making sure our clients have the right coverage in place for every asset type.
Areas of focus within the industry:
- Property Insurance
- General Liability
- Excess Liability / Umbrella
- Pollution Legal Liability
- Cyber
- Auto Fleet
- Workers' Compensation
- Director and Officer Liability (D&O)
- Employment Practice Liability (EPLI)
Working with venture-backed companies is one of our core areas of expertise. Over the years, OneDigital has helped hundreds of companies find the right insurance plan as they move through the stages of venture capital funding, from an initial angel investment all the way through Series C and beyond. We're prepared with the experience and options to build a sound, scalable insurance program for your business at every milestone.
Areas of focus within the industry:
-
Workers' Compensation
-
Director and Officer Liability (D&O)
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Employment Practice Liability (EPLI)
-
Fiduciary Liability
-
General Liability
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Professional Liability (E&O)
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Cyber
-
Property
-
Auto Fleet
-
Excess Liability / Umbrella
-
Travel / Kidnap and Ransom / Crisis Assistance
As your headcount grows, so does the complexity of your benefits program. Our employee benefits team scales right alongside you, helping you design competitive offerings that attract the talent you need to hit your next milestone.
Beyond any single industry, our mission is to support and advise individuals and businesses at every stage of growth and ownership. OneDigital works with each organization as the unique entity it is, offering expertise and tailored options to build an insurance program that fits. With open relationships with top insurance carriers across the United States and collectively hundreds of years of experience on our team, we've likely seen your situation before, whether you're a fire and water restoration contractor, a home healthcare provider, a boiler inspection and repair service, or a franchised cleaning operation.
Whatever your industry, our employee benefits team is always part of the equation, ready to help you take care of your people with the same thoughtfulness and expertise we bring to every coverage decision.
Private Client Coverage
Your home is more than a property. It's the center of your world. Our advisors work to make sure every part of it is properly protected, with coverage tailored to its true value. In select states, our carrier partners also provide complimentary wildfire defense services for an added layer of protection.
Whether you have one vehicle or an entire collection, we can build a plan that covers them all, regardless of what state they're registered in. We offer broad coverage options for vehicles and specialty programs designed specifically for collector car enthusiasts.
The things that matter most to you deserve more than a standard policy. From irreplaceable works of art to heirloom jewelry and curated collections, we make sure your most valued possessions are fully protected, including coverage that accounts for appreciation over time.
Life comes with complexity, and sometimes that complexity comes with risk. A personal umbrella policy fills the gaps that standard coverage can leave behind, helping to protect your legacy and preserve what you've built. Our advisors can help you determine the right level of coverage for your situation.
Every property you own deserves its own thoughtful approach to coverage. Vacation and rental homes carry their own set of risks based on location, use, and amenities, and we make sure each one is protected with a program built around its specific needs.
Earthquake risk is a reality for many homeowners, particularly here in California. We can put coverage in place that protects your home, your personal belongings, and your additional living expenses if you're ever displaced, giving you confidence no matter what the ground beneath you does.
From weekend lake days to extended offshore itineraries, we offer watercraft coverage for a wide range of vessels and cruising plans in both domestic and international waters.
Flood damage is the most common natural disaster in the United States, and standard homeowners policies rarely cover it. Our advisors can walk you through a range of flood protection options to make sure you're not left exposed when it matters most.
If you employ household staff, a nanny, housekeeper, personal chef, or caretaker, most states require you to carry Workers' Compensation coverage for them. It protects both your employees and your assets by covering medical expenses and lost wages in the event of a workplace injury.
Let's Find the Right Fit for Your Business
