Business Details
50+ Years
experience
Trusted Commercial Insurance & Risk Management
S&K Insurance has been providing reliable insurance and financial services to businesses for over 50 years. Founded in 1964 by Yosh Shibayama, we have grown alongside our clients while maintaining a personal approach to service. As a member of ISU International, we have written more than $1 billion in premiums, combining industry-leading products with tailored solutions. Our expertise spans commercial insurance, employee benefits, risk management, and specialty services designed to address the unique challenges of businesses across all industries. We prioritize understanding each client's specific needs before recommending solutions, ensuring strategic alignment with their goals. Our team of seasoned professionals, including Managing Partner Toni Shibayama and Chief Revenue Officer Brad Sporer, brings decades of experience in mitigating risk and enhancing operational success.We specialize in the hospitality industry but serve diverse sectors, offering comprehensive coverage and compliance support. Our commitment extends beyond insurance, partnering with clients to develop long-term strategies for growth and resilience. Through innovative programs like our Zero Factors Workers Compensation Platform, we help businesses reduce costs and prevent workplace injuries. With a focus on education, compliance, and proactive risk management, we empower clients to navigate complex regulations and thrive in today's economy.
Services
Commercial Insurance
Employee Benefits
Risk Management
General Liability Insurance
Workers Compensation Insurance
Hospitality Insurance
Specialty Services
HR Compliance
Wellness Programs
Claims Advocacy
Details
- Year established: 1964
Highlights and features
- We have over 50 years of experience in commercial insurance and risk management.
- Our team includes certified experts with industry designations like SPHR and MWC.
- We offer strategic partnerships with top carriers through ISU International.
- We provide customized solutions beyond insurance, including HR compliance and wellness programs.
- Our Zero Factors Workers Compensation Platform reduces workplace injuries and premiums.
Services
Commercial Insurance
Commercial Insurance protects businesses from property loss, liability claims, and income disruption. Our policies are customized to address industry-specific risks, ensuring comprehensive coverage for real property, equipment, and legal obligations. We help clients navigate legal requirements while balancing cost and protection.
Employee Benefits
Employee Benefits packages include health insurance, disability coverage, and wellness plans. We design cost-effective solutions to attract talent, improve retention, and ensure compliance. Our approach balances competitive offerings with budget constraints, enhancing productivity through employee well-being.
Workers Compensation Insurance
Workers Compensation Insurance covers medical costs and lost wages for workplace injuries. We help businesses select policies based on payroll, industry risk, and claims history. Our risk management tools reduce incidents and premiums while ensuring legal compliance.
Risk Management
Risk Management services identify and mitigate operational threats. We provide HR compliance training, safety audits, and claims advocacy to minimize lawsuits and financial loss. Our proactive strategies align with industry regulations and business continuity goals.
Hospitality Insurance
Hospitality Insurance addresses unique risks in hotels, restaurants, and entertainment venues. We offer tailored liability, property, and business interruption coverage. Our solutions protect against guest injuries, natural disasters, and industry-specific liabilities while supporting operational resilience.
People
Toni Shibayama
Managing Partner and Chief Risk Officer
Toni Shibayama leads risk management initiatives with 20+ years of experience in insurance and HR compliance. She specializes in hospitality industry challenges, focusing on injury prevention and leadership development. Her strategic programs have reduced lawsuits and enhanced workplace diversity for hundreds of businesses.
Brad Sporer
Managing Partner and Chief Revenue Officer
Brad Sporer drives business strategy and carrier partnerships, including ISU International. He developed the Zero Factors Workers Compensation Platform, saving clients millions through injury prevention. His expertise in risk management and employee benefits supports sustainable business growth across industries.
Questions
What industries do you specialize in?
While we specialize in hospitality, we provide insurance and risk management solutions for businesses across all industries.
How do you customize insurance policies?
We assess your business's unique risks, legal requirements, and budget to create tailored coverage plans that evolve with your needs.
What employee benefits services do you offer?
We design health insurance, wellness programs, and income protection packages to help small businesses compete for top talent.
How do you help reduce workers compensation costs?
Our Zero Factors Platform focuses on injury prevention, safety training, and claims management to minimize workplace incidents and premiums.
Do you provide compliance assistance?
Yes, we offer HR training, labor law updates, and policy development to help businesses maintain compliance and avoid lawsuits.
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