You and your insurance needs are unique.

Our seasoned professionals have specialized product and coverage expertise to ensure we put together the right advisors, solutions and protections with the best pricing for each client. Since 1927, CAL Insurance has focused on helping privately held and nonprofit entities transfer risk through commercial, personal and benefits insurance. We focus on the latest technology and full transparency.

At every turn, our brokers ask themselves, “If I were the business owner, would I be satisfied that this option is the best option?” For clients with personal needs, our brokers simply ask themselves: “All things being equal, is this the insurance program I would use to protect my family’s personal assets?”

Your protection, well-being and satisfaction are our priority; your customer experience matters to us above all else. Whatever your needs are, we will be happy to discuss how CAL Insurance can help you buy better protection and risk management for your business.

Commercial Insurance

We want your business to thrive. By crafting innovative solutions to protect your commercial assets for you, your clients and your employees, CAL Insurance ensures you can do so. We work to simplify the insurance process and create the most appropriate program to manage your risk through insurance. We partner with you to look at your whole business and determine how to maximize your investments while minimizing your exposures. We have done this successfully for nearly a century, and we take great pride in having one of the highest retention rates in the Bay Area.

Benefits

With our deep expertise in the group benefits insurance market, CAL Insurance works with you to identify and compare insurance plans from top-rated companies to find exactly what you need at the lowest rates available. We are dedicated to finding the best protection and most effective solutions for your employee benefit group plan needs while working within your budget. Additionally, we always have our fingers on the pulse of the ever-changing health-care industry to ensure you are up-to-date on — and maximizing — all San Francisco, state and national health-insurance laws.

Personal Insurance

For nearly a century, CAL Insurance has worked with clients to insure their most valuable personal assets, including high-value homes, autos, watercraft, valuable items and high levels of excess liability/personal umbrella protection. We provide guidance for clients in need of coverages ranging from earthquake and flood, to theft and fire — and everything in between. Our expertise in managing risk includes guidance with storage and shipping of valuables, proper care of vacation homes, coordination of coverage with builders and contractors working on your home, and guidance regarding exposures that arise from domestic workers you employ. Our commitment to providing clients with an extraordinary service experience translates to smooth, pain-free processes, from research and recommendations, to coverage negotiation and claims assistance.