Private Client

Your experience with CAL will be different from past dealings, as we are truly advisors to our clients. Simply put, we represent you in the marketplace, not the insurance company.

We avoid the transactional insurance model of “free quotes” so that we can use our resources to conduct professional reviews of your entire insurance program, which protects against gaps in coverage. Since CAL represents the top insurance companies in the United States, we can tailor a program specific to the needs of successful individuals and families from coast to coast. Our process makes it simple and our clients enjoy an extraordinary experience, which is backed by having one of the highest client retention rates in the industry.

We work exclusively with successful individuals and families that have significant assets to protect. Our clients have a primary home with a market value of at least $2,000,000, net worth of at least $5,000,000 and generally have multiple homes as secondary residences or rental properties. Our clients have a team of advisors that help with their financial planning and investment strategies. We are an integral part of that team which helps coordinate your insurance program within your overall financial plan.


Your home. It’s what it’s all about. We understand, which is why we offer coverage to keep every square foot of your kingdom protected. In certain states, our top tier insurance companies also provide complimentary wildfire defense services.

No matter how many cars you have or what state they are registered in, we can structure a plan to cover them all. We offer the broadest coverage available for vehicles valued at $50,000 and above and special programs for car collections.

Whether it’s an irreplaceable work of art or your great grandmother’s wedding ring, we want to keep your most cherished possessions protected. We can even protect against increased values with a 150%  inflation guard feature.

Is life good, but complicated? Shore up holes arising from claims that can potentially impact your legacy. We provide limits as high as $100 million for clients with significant assets to protect.

Vacation and rental homes require insurance just like primary residences. However, depending on factors such as location and amenities, the coverage may be very different.

Your home, personal belongings inside your home, and additional living expenses can all be protected with residential earthquake insurance coverage.

We offer watercraft policies for a wide variety of cruising itineraries in domestic and international waters.

Floods happen. In fact, they are the most common natural disaster. At CAL, we offer a variety of flood protection options for your consideration.

Most states require homeowners to carry Workers’ Compensation insurance for their household employees such as a nanny, cook or housekeeper. This insurance helps protect your assets and will reimburse an employee for medical expenses and loss of wages due to an injury.

Employment Practices Liability Insurance (EPLI) protects homeowners from certain claims by domestic workers that their legal rights as employees have been violated. Hostile work environment, sexual harassment and wrongful termination are the most common claims that domestic workers file.

Thieves are no longer just entering your home through your doorway. They now access your personal and financial information right through your electronic devices. What are you doing to secure your family’s personal information and to protect your finances from cyber thieves?