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California Casualty Summary
In 1914, Carl G. Brown Sr. founded California Casualty Indemnity Exchange to offer Worker’s Compensation products. They added auto insurance to the product line in 1917, and then property insurance in 1954. A family business, California Casualty leadership has been passed down through generations of the Brown family.
In 1951, California Casualty received the endorsement of the California Teacher’s Association and began offering insurance to its members. This set the company on the path of affinity products, a new concept in insurance and one that continues to be its focus today. Then, endorsement of the National Education Association expanded the company nationwide, and over the years more than 100 different associations have endorsed the company as well.
Today the California Casualty Group offers insurance to a specific group of professionals:
- Higher Education Employees
- Nurses (RN and NP)
- Law Enforcement Officers
Auto and property insurance are available in most states, with auto not currently available in AK, HI, MA, MI, NY, WI, and home not available in those five as well as MS. They offer an expanded list of policies through affiliated companies including personal liability, RV, and even pet insurance.
California Casualty is headquartered in San Mateo, California, but has offices in Colorado, Arizona, and Kansas as well.
California Casualty offers a range of products to cover most personal insurance needs, from the basics of auto and home to specialty vehicles and expanded home protection. Policies are underwritten by the various companies in the California Casualty Group as well as by a variety of associated companies.
California Casualty’s biggest insurance product, auto coverage is available in nearly every state, and is underwritten by California Casualty companies and partners, depending on the state.
Coverage includes all of the basics as well as a list of options, including some that are specific to the niche markets California Casualty insures.
- Foreign Exchange Program and Sabbatical Return Benefits for educators
- Turnout Gear and Firearms Coverage, as well as Fallen Hero/Fallen Officer death benefits for firefighters and peace officers
- Deductible Waivers
- Identity Theft Coverage
- Custom Equipment Coverage
A variety of common discounts are also available for auto insurance policies including multi-policy, multi-car, good driver, good student, and more.
Through a variety of partners, California Casualty also offers a variety of policies for other vehicles including:
- Antique and Classic Cars
- RVs and Travel Trailers
- Motorcycles and Mopeds
- Dune Buggies
- Golf Carts
Policy availability varies by state, as does the underwriting company in some cases.
California Casualty writes a variety of different types of home insurance, including:
- Standard Homeowners
- Condo Owners
- Mobile Home
Homeowner’s Insurance includes all of the standard coverage as well as options and benefits specific to the needs of the company’s niche markets, these include:
For educators: Property Used in Teaching Coverage, Theft of Fund Raising Monies and Goods, Educators Excess Liability, School Violence Death Survivor Benefit
For firefighters and peace officers: Personally Owned Off-Duty Weapons Coverage, Turnout Gear Coverage, Personally Owned Uniforms Coverage, Fallen Hero/Fallen Officer Death Benefits
Through a network of partners, California Casualty offers a range of other products as well, including:
- Pet Insurance
- Personal Umbrella
California Casualty does offer online quoting for auto and home insurance, but requires a great deal of information in order to obtain a quote. Because of the particular niche markets and specific coverage and discounts, rates can be difficult to compare.
Although the website lists mainly the common discounts, there is also a mention of discounts not available to the general public, which may bring premiums down. The added benefits specific to this company also make a policy with extra value, something that professionals in each of the covered fields are likely to find worth the premium.
Policies are sold directly, which eliminates the cost of agent commissions and is unusual for a smaller company. This is likely to help California Casualty rates stay competitive.
California Casualty has a clear and expansive Claims Center section on their website offering information on the process for both auto and home insurance claims. Claims can be reported 24/7 by calling the same line, which directs to an after-hours line after business hours.
Claims are quickly assigned to an adjuster. Depending on the type of claim, a field adjuster may need to come and inspect the damage in person. If necessary, claims forms will be mailed out the next business day for the insured to complete and return.
There is a Guaranteed Repair Network through which customers can get their repairs done with direct payment from the insurance company and guaranteed work. Customers can also choose the repair shop of their choice.
There is also an option to file a claim online for both auto and home insurance. This section is found near the bottom of the list of claims phone numbers, also located on this page. Different phone numbers are used based on the type and severity of the claim.
California Casualty has been BBB accredited since 2011 and has an A+ rating. The BBB records only 13 complaints against the company in the past three years, with only 2 those closed in the past 12 months. For a nearly nationwide company, those numbers are very low.
There are very few reviews of the company out there, which is generally a good thing as most people only take the time to write a review when they are displeased. That said, research does find a few very positive reviews of the company, which is even more encouraging. The general feeling is that the company offers good rates and excellent customer service. The few complaints appear to be typical insurance issues and also appear to receive swift response from the company.
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For anyone who fits into one of the affiliate markets California Casualty covers, the company is well worth considering. Offering coverage and benefits specific to the needs of their customer market, California Casualty adds value to what appear to be already competitive rates. With a strong reputation and a good product line-up, this company should be on the quote comparison list for anyone who qualifies.
For a list of companies that we recommend, visit our Best Insurance Companies page.