Describe the business accurately
We establish how customers use the space and which property you depend on. That gives insurers an account they can assess.
About Fillmore Risk
We do the insurance work behind your storefront.
Fillmore Risk is an independent commercial insurance brokerage for San Francisco shops and food-service businesses. We take your account to market and help you choose among the available policies.
We turn operating details into a market submission.
We get specific about the operation before asking for quotes. A prep kitchen, stock held in another unit, or rented equipment belongs in the submission. We handle the follow-up so those details remain part of the account as terms come back.
Check the lease against the policy
We examine the actual endorsements behind a landlord’s request and flag terms that a certificate cannot resolve.
Give a recommendation with reasons
We explain the trade-offs between quotes and recommend an option based on the coverage offered, its restrictions, and its cost.
We read the whole policy at renewal.
We compare renewal wording with your existing policy, including the forms and endorsements behind the declarations page. If valuation or business income terms change, we explain the effect alongside the new premium.
- Current declarations and all attached forms
- Endorsements that change the base cover
- Lease insurance requirements and equipment agreements
- Insurer contact and reporting instructions from the policy
Leadership
Company leadership
Fillmore Risk’s leadership team guides the company’s storefront and food-service insurance program.
- John Fillmore
- President · Leads the company’s direction and client service program.
- Patrick Balzac
- Vice President · Oversees operations and the commercial insurance review process.
- Pierre Marmot
- Director · Leads account coordination and policy documentation.
Contributors
Insight Library contributors
Contributors write the operational insurance guides in the library. They are listed separately from company leadership.
- Rahul Khanna
- Contributor · Storefront operations
- Rajesh Kulkarni
- Contributor · Property and income coverage
- Harsh Mukherjee
- Contributor · Food-service operations
- Diya Sen
- Contributor · Contracts and certificates
- Lakshmi Khanna
- Contributor · Renewal and workforce planning
Fillmore Street
Your stock needs attention wherever you keep it.
A San Francisco shop may keep seasonal orders in a separate unit. A café may prepare food away from the counter. We include those spaces in the account and check how proposed policies treat property and activity at each location. The insurance submission should follow your stock and equipment beyond the customer-facing address.