Understanding Cal Casualty Insurance

Cal Casualty Insurance, also known as California Casualty Insurance, is a company providing insurance policies for individuals and businesses. The company was established in 1914 and has since grown to become one of the leading providers of property and casualty insurance in the United States. It is headquartered in San Mateo, California, and has regional offices across the country.

Types of Policies Offered by Cal Casualty Insurance

Cal Casualty Insurance offers a wide range of insurance policies to meet the needs of its customers. Some of the policies offered include:

Auto Insurance

Cal Casualty Insurance offers several types of auto insurance policies, including liability, collision, and comprehensive coverage. Liability coverage is required by law in most states and provides coverage for damages that you may cause to other vehicles or people in an accident. Collision coverage provides protection for damage to your vehicle in an accident, regardless of who is at fault. Comprehensive coverage provides protection for damage to your vehicle from non-collision events, such as theft, vandalism, or natural disasters.

Cal Casualty Insurance also offers additional coverage options, such as roadside assistance, rental car reimbursement, and gap insurance. Roadside assistance provides help if you get stranded on the side of the road, while rental car reimbursement provides coverage for a rental car if your car is being repaired after an accident. Gap insurance provides coverage for the difference between the value of your car and the amount you owe on your auto loan if your car is totaled.

Home Insurance

Cal Casualty Insurance offers several types of home insurance policies, including standard homeowners insurance, condo insurance, and renters insurance. Homeowners insurance provides coverage for damage to your home and personal property due to various perils, including fire, theft, and natural disasters. Condo insurance provides coverage for your personal property and liability as a condo owner. Renters insurance provides coverage for your personal property and liability as a renter.

Cal Casualty Insurance also offers additional coverage options, such as earthquake insurance, flood insurance, and identity theft protection. Earthquake insurance provides coverage for damage to your home caused by earthquakes, while flood insurance provides coverage for damage caused by flooding. Identity theft protection provides assistance if you become a victim of identity theft.

Business Insurance

Cal Casualty Insurance offers several types of business insurance policies, including commercial property insurance, general liability insurance, and workers’ compensation insurance. Commercial property insurance provides coverage for damage to your business property, while general liability insurance provides coverage for injuries or property damage caused by your business. Workers’ compensation insurance provides coverage for medical expenses and lost wages for employees who are injured on the job.

Cal Casualty Insurance also offers additional coverage options, such as commercial auto insurance, cyber liability insurance, and professional liability insurance. Commercial auto insurance provides coverage for vehicles owned by your business, while cyber liability insurance provides coverage for data breaches and other cyber attacks. Professional liability insurance provides protection for professionals, such as doctors or lawyers, against claims of negligence or malpractice.

FAQs About Cal Casualty Insurance

What is the customer service phone number for Cal Casualty Insurance?

The customer service phone number for Cal Casualty Insurance is 1-800-800-9410. The company also offers online customer service options on their website.

Does Cal Casualty Insurance offer discounts for policyholders?

Yes, Cal Casualty Insurance offers a variety of discounts for policyholders. Some of the discounts available include safe driver discounts, good student discounts, and multi-policy discounts for customers who have multiple policies with the company.

How do I file a claim with Cal Casualty Insurance?

You can file a claim with Cal Casualty Insurance by calling their claims department at 1-800-800-9410 or by filing a claim online through their website. You will need to provide information about the incident, including the date and location, as well as information about any witnesses or other parties involved.

What is the financial strength rating of Cal Casualty Insurance?

Cal Casualty Insurance has a financial strength rating of A- (Excellent) from A.M. Best, a leading insurance rating agency. This rating indicates that the company is financially stable and has the ability to meet its obligations to policyholders.

Does Cal Casualty Insurance offer coverage in all states?

No, Cal Casualty Insurance does not offer coverage in all states. The company primarily offers coverage in western and southwestern states, including California, Arizona, Colorado, and Oregon. However, they do offer coverage in some eastern states, such as Virginia and Maryland.

In conclusion, Cal Casualty Insurance offers a wide range of insurance policies to meet the needs of its customers. Whether you are looking for auto insurance, home insurance, or business insurance, the company has options to fit your needs and budget. With their strong financial rating and commitment to customer service, Cal Casualty Insurance is a reliable choice for insurance coverage.