Business Services
Smart Insurance Solutions for Business Success
At Cal Financial, we understand that your business is more than just a job—it’s your livelihood, your passion, and your legacy. That’s why we offer a full suite of business insurance solutions tailored to safeguard every aspect of your operation. From protecting your key employees and ensuring business continuity with Buy-Sell Planning, to securing your team through Group Life, Disability, and Workers Compensation Insurance, our offerings are designed to meet the complex needs of today’s business owners. Whether you're seeking coverage for liability, property, or employee benefits, Cal Financial is your trusted partner in building a resilient and protected business future.
Key Employee Insurance
For businesses of all sizes, a key person is essential for expertise, revenue, and leadership. Replacing them can be resource-intensive and may result in lost revenue and clients.
Group Life and Disability
Group life and disability insurance plans provide employees with valuable coverage at affordable rates and are among the most popular benefits after health insurance.
Buy-Sell Planning
If your partnership or closely-held business has a buy-sell agreement, how is it funded? A key aspect often overlooked is ensuring sufficient cash to meet obligations to a deceased or disabled partner.
Voluntary Insurance Plans
Many employers seek cost-effective ways to enhance employee benefits beyond group plans. Voluntary options like individual life, disability, dental, vision, and accidental death insurance can often be added at little to no cost.
General Liability Insurance
General liability (GL) insurance is essential for any business, providing protection against various claims, including bodily injury, property damage, and personal injury that may arise from your operations.
Business Owners Policy
The business owner’s policy (BOP) combines general liability and business property insurance for a seamless purchasing experience. Ideal for small business owners, individual practitioners, and closely-held corporations, BOPs cover a wide range of industries, from offices to beauty salons and landlords.
Workers Compensation Insurance
Employers face substantial liability for employee injuries or fatalities, typically excluded from general liability or BOP policies and instead covered by workers' compensation insurance, which is legally required in many states.
Cyber Insurance
Cyber insurance is a type of policy designed to protect businesses and individuals from financial losses resulting from cyberattacks, data breaches, or other technology-related risks. It typically covers costs such as legal fees, data recovery, customer notification, and reputational damage following a cyber incident.