Barth Howard Homeowners Insurance and Auto Insurance in San Ramon, California 

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 Barth Howard Insurance Agency


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Just like building a business, building an effective insurance program is done in steps. A good first step is working with me to put together the right business owner's insurance policy for the unique challenges facing your business. The Farmers Business Insurance products can help KEEP you in business.



Artisan Contractor


Automotive Trades


Commercial Real Estate












  click here for my Errors & Omissions products

  click here for my Directors & Officers products

  click here for my Employment Practices Liability products




Artisan Contractors coverage        download application pdf FAX TO (866)324-4996


Artisan contractor coverage is a broad, comprehensive program for special trade contractors. It offers expanded coverage to meet the specialized needs of those involved in two major segments of the construction industry: artisan contractors and service providers.


Artisan contractors

Service providers

Appliance Installation

Landscape gardeners


Janitorial services


Carpet cleaners

Heating and air conditioning






Floor Covering Installation




Automotive Trades coverage        download application pdf FAX TO (866)324-4996

Whether you own a new or used auto dealership, a repair garage or a chain of transmission shops, we have an affordable plan customized to meet the specialized needs of your auto sales and/or service business.

Automotive Trades coverage is available for:

Body shops

Transmission shops

Repair garages

Muffler shops

Auto dealerships

Auto glass shops

Quick-lube oil change outlets

Gasoline service stations


Commercial Real Estate coverage        download application pdf FAX TO (866)324-4996


Commercial Real Estate coverage provides a comprehensive program to property owners who lease or rent building space used for offices, service businesses, retail stores, light industrial or light manufacturing. Parking areas may be included in the coverage if used by the building occupant and customers.

We offer coverage for:

Office buildings

Retail shopping centers

Buildings used for manufacturing, industrial, assembly

Processing or service buildings

Private commercial warehouses

Mixed occupancies: office, retail, light manufacturing, industrial, assembly, processing or service buildings


Habitational coverage        download application pdf FAX TO (866)324-4996

Apartment and condominium owners have special needs when it comes to finding comprehensive insurance coverage designed for multi-family housing units. Habitational coverage safeguards your assets plus offers options such as liability protection for condominium association members and loss of rental income for apartment owners.

Coverage options include:

Master Key

Expanded Directors and Officers Liability (condominium)

Business Income (apartment)


Manufacturing coverage        download application pdf FAX TO (866)324-4996

Manufacturing coverage is a comprehensive program to meet the special needs of businesses engaged in the mechanical or chemical transformation of materials into new products. It is available for the following five types of manufacturers.

•   Food manufacturers and processors
•   Dairy products
•   Fruit and vegetable products
•   Candy, confectionery products

•   Plastics and rubber products
•   Plumbing fixtures
•   Bottles and containers

•   Office equipment manufacturers
•   Disc drives
•   Optical storage devices
•   Calculating machines
•   General office equipment

•   Metal working and metal products fabricators
•   Fasteners, bolts, nuts, screws, washers
•   Flatware
•   Pipes, metal tubes, fixtures

•   Audio, video and communications equipment fabricators
•   Household audio visual equipment
•   Telephone equipment
•   Electronic components and accessories


Restaurant coverage        download application pdf FAX TO (866)324-4996

Today’s restaurant environment is more complex than ever and you want to know you’re covered for the unexpected occurrence. All-in-One Restaurant Package includes Business Liability, Property and Crime coverage's designed to meet your needs. Whether your restaurant is elegant, trendy, traditional, ethnic or homestyle we have the package for you. We specialize in providing insurance for the following types of restaurants:







Carry-out restaurants

Fast food

Coffee shops

Food bars

Fine dining restaurants



Sandwich shops


Retail/Service coverage        download application pdf FAX TO (866)324-4996

The fastest-growing business segment in the United States is retailers and service companies. Every day millions of these businesses provide a place for consumers to purchase retail goods or find services. And each one of these businesses has special needs when it comes to finding the right insurance program. We offer a package of coverage's designed to meet the special insurance needs of the businesses listed below.

Printer and copier stores

Hardware and home improvement stores

Food stores

Retail stores


Dry cleaners

Repair shops (other than auto)


Wholesale/Distribution        download application pdf FAX TO (866)324-4996

As a wholesaler or distributor, you have unique insurance needs. We specialize in providing your business with carefully packaged coverage that delivers the goods no matter what kind of goods you deliver. We specialize in the following categories of business:

Beverage distributors

Motor vehicle supplies, wholesalers — new parts

Office equipment dealers

Stationery and supplies distributors

Hardware wholesalers

Food and food products distributors

Building service equipment:


Heating and air conditioning

Electrical equipment and supplies


  click here for my Errors & Omissions products

  click here for my Directors & Officers products

  click here for my Employment Practices Liability products



California Insurance Agent



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Representative of top-rated insurance companies: Farmers Insurance Group, Blue Cross, New World Life, Foremost, CNA, United States Liability

Selling fire, homeautos, umbrella, Boats, life, business, commercial auto, earthquake, & flood.   California Insurance Agency directly serving the

entire State Of California and the communities of Alamo, Blackhawk, Danville, Dublin, Pleasanton, San Ramon, and greater SanFrancisco Eastbay

(All of California and zip codes 94506, 94507, 94526, 94566, 94568, 94582, 94583, 95688)