Business Details
40 Years
experience
Your Trusted Insurance Partner for Nonprofits and Social Service Organizations
Since 1986, Baker Romero & Associates has specialized in providing comprehensive insurance programs and risk management services tailored to nonprofit organizations, social service agencies, and small businesses. We represent Best A-rated insurance carriers and take a holistic approach to crafting insurance solutions that meet each client's unique needs. Our services include free unlimited access to Human Resources Specialists, online administrative tools, and educational resources such as annual Employment Law Seminars and webinars. We distinguish ourselves by not charging broker fees with most carriers, regardless of business size, while maintaining a commitment to individualized attention and professional service.Our team has cultivated strong relationships with leading insurance providers in California and offers value-added resources through strategic partnerships. With decades of combined experience, we focus on the human side of business, prioritizing client needs while staying at the forefront of industry developments through active community involvement and continuous education.
Services
Business Insurance Programs
Workers Compensation
General Liability
Cyber Liability
Directors & Officers Liability
Details
- Year established: 1986
Highlights and features
- We offer free Human Resources services with certified specialists
- No broker fees with most insurance carriers
- Represent Best A-rated insurance carriers since 1986
- Specialize in nonprofit and social service organization insurance needs
- Provide educational resources including annual Employment Law Seminars
Services
Business Insurance Programs
We provide comprehensive business insurance programs tailored to nonprofit organizations and social service agencies. Our solutions combine coverage from Best A-rated carriers with personalized risk management strategies. Clients benefit from free HR services and no broker fees, ensuring cost-effective protection that addresses specific organizational exposures.
Workers Compensation
Specialized workers' compensation insurance solutions for California businesses with remote workers and traditional office environments. We offer coverage options for employees, volunteers, and properly classified independent contractors. Our services include policy management, claims assistance, and compliance guidance with California's evolving class codes.
General Liability
Customized general liability coverage that protects against common risks including special events, volunteer activities, and third-party claims. We help organizations understand and extend their liability limits while ensuring compliance with lease agreements and contractual obligations through proper endorsements.
Cyber Liability
Comprehensive cyber liability protection addressing data breaches, privacy violations, and digital risks. Our policies cover electronic data protection, media liability, and network security incidents. We help organizations implement risk controls and meet specific insurance requirements for sensitive information handling.
Directors & Officers Liability
Specialized D&O insurance protecting board members against claims related to governance decisions. Our coverage includes employment practices liability and fiduciary responsibilities, with defense cost provisions and broad definitions of insured parties to ensure comprehensive protection for nonprofit leadership.
People
Lillian Romero Gomez
President
President and co-founder with 35+ years of experience in commercial insurance for nonprofits. Developed strategic carrier relationships and community-focused insurance solutions. Active nonprofit board member and award-winning industry speaker.
Rebecca Gomez
Business Development Manager
Licensed broker and attorney with expertise in insurance law. Manages marketing initiatives and client education programs. Provides legal insights on policy wording and compliance matters for insurance clients.
Christine Sousa
Account Manager
25+ years of commercial insurance experience. Manages new business acquisitions and policy renewals. Provides expert guidance on coverage options and risk management strategies for organizational clients.
Kevin Lizarraga
Customer Service Representative
Specializes in workers' compensation claims administration. Provides loss control information and collaborates on client outreach initiatives. Holds a Workers Compensation Claims Administration certification from California State University.
Emma Becerra
Customer Service Manager
Over 20 years of client service experience. Manages day-to-day client interactions and ensures personalized attention to insurance needs. Develops empathetic solutions based on deep understanding of client operations.
Questions
Why do some insurance brokers charge a broker fee?
Some brokers charge additional fees beyond carrier commissions to cover service costs. We include our services at no extra charge with most carriers.
How do I insure volunteers?
Volunteers can be covered through General Liability endorsements, Workers Compensation add-ons, or separate Volunteer Accident policies.
Are independent contractors insured under my policies?
Most policies exclude independent contractors. They should provide their own certificate of insurance verifying required coverages.
Why do I need business automobile insurance?
Non-Owned Auto policies protect against liability for employee/volunteer vehicle use during company activities, beyond personal coverage limits.
What insurance do most businesses need?
Essential coverages include General Liability, Workers Compensation, Property Insurance, Professional Liability, and Cyber Liability protections.
Are special events automatically covered?
Special events require specific notification to carriers. Additional coverage may be needed beyond standard General Liability policies.
