CAL is the one brokerage that makes the client experience extraordinary.

We are an independent insurance agency, with deep roots in the San Francisco community. Our clients are our neighbors — no matter where they are — and we take great pride in having one of the highest client-retention rates in the Bay Area. We treat every client with care and patience.

Full transparency is one of our hallmarks: As a CAL client, you will understand your options and, ultimately, your coverage portfolio. You will have confidence that all your commercial, personal and benefits insurance needs are covered and your risk is managed by people — actual people — who put your best interest first every day.


Our team approach lets us serve all your insurance and risk needs in a more holistic manner. Whether you need a fresh take on one policy or an overhaul of your entire portfolio, CAL’s experts access a full spectrum of services and insurance products, including commercial, employee benefits and personal coverage. Our longstanding relationships with carriers translate to bottom-line advantages for our clients. Your team at CAL vets policy language and negotiates on your behalf to ensure you get the best coverage at the best price.

  • DeLucchi_Joe

    Joe DeLucchi

    President/Commercial Insurance Broker
    Favorite quote: "Tenacity and enthusiasm win most battles."
  • Hauge_Scott

    Scott Hauge

    Corporate Vice President/Commercial Insurance Broker
    Favorite quote: “Do or do not. There is no try.” —Yoda
  • Diane Beatty

    Managing Director, Private Client Services
    Favorite quote: “If you do not have time to do it right, when will you have time to do it over?” —John Wooden
  • Scarborough_Elizabeth

    Elizabeth Scarborough, AAI

    Client Services Manager/Account Executive, Commercial Insurance
    Favorite quote: “Barn’s burnt down, now I can see the moon.” —Mizuta Masahide
  • Jonathan Marquez

    Corporate Vice President/Employee Benefits Broker
    Favorite quote: “Try not to become a man of success, but rather try to become a man of value.” —Albert Einstein
  • John Ryan

    John M. Ryan

    Director, Employee Benefits Advisory
    Favorite quote: “Trust is the glue of life. It’s the most essential ingredient in effective communication. It’s the foundational principle that holds all relationships.” —Stephen Covey
  • Christina Richardson, Christina Richardson

    Employee Benefits Account Executive
    Favorite quote: "Nobody can go back and start a new beginning, but anyone can start today and make a new ending." - Maria Robinson
  • Elian Boukhalil

    Elian Boukhalil

    Account Manager/Marketing, Private Client Services
    Favorite quote: “Real generosity toward the future lies in giving all to the present.” —Albert Camus
  • Aletha Coffey

    Aletha Coffey

    Account Manager
    Favorite quote: "I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel." —Maya Angelou
  • Coleman_Patricia

    Patricia Coleman

    Account Executive, Commercial Insurance
    Favorite quote: “Life is what you make it. Always has been, always will be.” —Eleanor Roosevelt
  • Dorneles_Marc

    Marc Dorneles, CPCU

    Assistant Vice President/Commercial Insurance Broker
    Favorite quote: “All shall be well, and all shall be well, and all manner of thing shall be well.” —St. Julian of Norwich
  • Hassel_Scott

    Scott Hassel, CPCU, CLCS

    Director of Marketing
    Favorite quote: “Life is what happens to you while you're busy making other plans.” —John Lennon
  • Stafford Jacobs III, CLCS

    Assistant Vice President/Commercial Insurance Broker
    Favorite quote: “Excellence is not an exception, it is a prevailing attitude.” —Colin Powell
  • Nemirovskaya_Yana

    Yana Nemirovskaya

    Account Manager, Commercial Insurance
    Favorite quote: “The most important thing is not being afraid to take a chance. Remember, the greatest failure is not to try. You miss 100% of the shots you don’t take.”
  • NgYep_Norma

    Norma Ng-Yep, CPCU

    Account Executive, Commercial Insurance
    Favorite quote: “Happiness depends upon ourselves.” —Aristotle
  • Schneider_Martin

    Martin Schneider

    Account Executive, Commercial Insurance
    Favorite quote: “Float like a butterfly, sting like a bee.”
  • Ann Silverfoote

    Ann Silverfoote

    Account Manager, Commercial Insurance
    Favorite quote: “In God we trust.”
  • Smith_Linda

    Linda Smith

    Client Services Manger – Private Client Services
    Favorite quote: “Time flies like an arrow; fruit flies like a banana.”
  • Dilcia Giron

    Account Manager, Commercial Insurance
    Favorite quote: “The journey of a thousand miles begins with one step”
  • Vivian Tse

    Accounting Manager
    Favorite quote: “If you don’t have integrity, you have nothing. You can’t buy it. You can have all the money in the world, but if you are not a moral and ethical person, you really have nothing.” —Henry Kravis
  • Tong_Clara

    Clara Tong

    Favorite quote: “Solitude sometimes is best society.” —John Milton
  • Ralph Torrez

    Account Executive
    Favorite quote: “You may talk. And I may listen. And miracles might happen.” —Ernest Hemingway


CAL Insurance celebrated 90 years of business in 2017 — that’s nearly a century of serving San Francisco’s insurance needs. Our roots in the community run deep and long; we are committed to serving our neighbors as partners in their business endeavors with the commitment to service and ethics for which we have become known.

In 1927, Cyril Anthony Lagomarsino founded a real estate/insurance business called CAL Insurance and CAL Realty. The name of the businesses, contrary to popular belief, has nothing to do with the state of California or the University of California: It’s Cyril’s initials. CAL Insurance HistoryThe company was located at 515 Frederick Street in San Francisco, across from Kezar Stadium. To expand the insurance side and ensure continuity, Cyril took in a young Clayton Hauge as a partner in CAL Insurance in 1961. The next year, Paul Zavagno joined CAL Insurance as a partner, and in 1963, CAL Insurance became the corporation that exists today.

CAL Insurance & Associates was unique for its time, in that it put together a group of 19 agencies around the Bay Area. Unfortunately, due to market forces, the agencies began to splinter to a point where Clayton left the organization and established CAL Insurance as a sole proprietorship. In 1975, his son, Scott Hauge, came into the agency with a two-part plan: grow the agency account by account and acquire other agencies.

In 1980, Clayscott Insurance Agency, Inc., was established. In 1982, Clayton retired, and Scott purchased CAL Insurance & Associates Inc. from Paul Zavagno, bringing the agency back into the Hauge family. As CAL president, Scott became a leader in the small business community in San Francisco, Sacramento and Washington, DC.

In 2016, Joe DeLucchi, who started his career with CAL in 1998, purchased CAL Insurance. As the company’s fourth president since 1927, Joe understands and appreciates the legacy and history. He brings many years of industry experience and valuable connections within the Bay Area business and nonprofit communities.

The agency is located at the corner of 33rd Avenue and Taraval Street in San Francisco’s Outer Sunset District. Like our company, our building has deep roots in the community; the photo above shows its beginning as Ring’s Market in 1951. Joe and his team of professionals look forward to serving their community for the next century and beyond.


We believe in being great corporate citizens not only locally, but on a state and national level, too. CAL is the insurance advisor/partner to many nonprofits through the greater Bay Area. In addition to providing our risk management expertise, we believe in supporting our nonprofit clients with our time, talents and treasures.

No better example has been set than that of CAL Vice President Scott Hauge’s nonprofit leadership. Throughout the decades, Scott has been a champion of small business. Most notably, he was the founder of Small Business California and the co-founder of Clinic by the Bay. Small Business California is a proactive, nonpartisan business advocate whose only agenda is the well-being of California’s 3.2 million small businesses. Clinic by the Bay is San Francisco’s Volunteers in Medicine clinic — the 82nd VIM clinic in the country and the first in Northern California. Clinic by the Bay is a volunteer-powered free health clinic for the working uninsured.

Many of our past and present employees have served or currently are serving on nonprofit boards, organized volunteer days with our local partners, been involved with programs such as Leadership San Francisco, and are active in philanthropic organizations such as Rotary and The Guardsmen.

In 2005, CAL created the annual “Give Something Back Award,” named for our client, Give Something Back, in appreciation of their business model of donating their profits back to the community.  Each year, CAL awards a for-profit client that supports our community. CAL makes a donation in the winner’s honor to a nonprofit organization of their choice. Past client recipients are:

2005: Give Something Back
2006: Burr, Pilger, Mayer, LLP
2007: Pet Camp
2008: Books, Inc.
2009: House of Bagels
2010: Multiform Advocacy Solutions
2011: George Salet Plumbing, Inc.
2011: Slanted Door
2012: IDEAL Restoration
2013: Youth Employment Partnership
2014: Books, Inc.
2015: Green Apple Books, Inc.
2016: James Caccia Plumbing
2017: Marin Sun Farms

Core Values

Your protection, well-being and satisfaction are CAL’s priority. We strive every day to earn your trust and ongoing business by adhering to our purpose statement of being “the one brokerage that makes the client experience extraordinary.” A purpose statement can be just words on a poster or it can be a guiding principle. We choose the latter and live our core values in everything we do.

  • We are team players
  • We treat everyone with utmost respect
  • We deliver an extraordinary client experience
  • We work smart and achieve excellence
  • We seek innovative solutions