Pennbrook/CAIB has many unique programs to help with your specific risk:

Residential Apartment Owners

Pennbrook/CAIB has programs for apartment owners and Condo HOA for up to $50M in building value, even the older buildings in San Francisco can qualify. Call today to see if we can save you money and expand your coverage.

Freight Forwarders

Are you a freight forwarder or importer/exporter who does not take physical possession of your goods? We offer an exclusive insurance program written through Hartford that can save you money over your current premiums.

Pizza/ Restaurant with Delivery

Are you a restaurant that needs “non-owned”/”hired auto” coverage? We provide a restaurant insurance program that includes this hard to get coverage.


Pennbrook/CAIB has many quality programs for contractors in liability, course of construction and workers compensation. Call us to see if we can help.

HOA / Condominium Insurance

Condominium Association Insurance Policies: cover the structure, fixtures, furnishings and liability for common areas that are jointly owned by all condo owners. They do not cover your liability or your belongings inside the condo. Pennbrook Insurance Services has been insuring Bay Area condominium owners for over 30 years.