Group Life and Disability Insurance

Group life and disability insurance plans provide employees with access to valuable insurance coverage at affordable prices.  Next to employer-sponsored health insurance, group life and disability plans are the most popular benefits distributed by employers to employees.
CAL Financial acts a broker for these group plans.  After learning more about your company, CAL Financial will contact three or four top group life and disability insurers to obtain proposals and determine the best fit for your business.

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Key Employee Insurance

For businesses of all sizes, a key person often is looked to for expertise, revenue and leadership.  Replacing a key person takes considerable resources, and could cost the business revenue and/or clients during this transition.  Key person insurance plans provide the necessary cash flow help ensure the company can stay afloat financially should a valued employee be unable to continue working due to disability or premature death.  

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Buy-Sell Planning

If your partnership or closely-held business has a buy-sell agreement in place, how is it funded?  One of the most over-looked elements of the buy-sell planning process is to ensure enough cash is available to satisfy a company’s obligation to the deceased or disabled business partner.  Funding the buy-sell agreement with insurance can keep your company moving forward financially and protect your firm’s assets should one of the business partners incur premature death or long-term disability.  

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Voluntary Insurance Plans

In addition to the group employee benefit plans, many employers are looking for ways to offer additional benefits and perks to their employees in a cost-effective manner.  Voluntary plans like individual life, disability, or long-term care insurance, dental and vision plans, accidental death & dismemberment coverage all can be added to your benefits portfolio with little to no added cost to the company.   CAL Financial’s president Chad Levis has worked in the voluntary benefits field for over 15 years prior to launching the company, and has particularly enjoyed working with business owners and human resources executives to find unique ways to get the most benefits and perks at minimal cost.

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General Liability Insurance

An absolute must for any business, general liability (GL) insurance protects you from a variety of claims such as bodily injury, property damage, personal injury among others which can surface from your business operations.

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Business Owners Policy (BOP)

The business owner’s policy, or BOP as it is often referred as, will combine general liability with business property insurance, making the purchase process and maintenance of your BOP very easy and seamless.  The BOP is ideal for small business owners, individual practitioners, and closely-held corporations.  BOPs span numerous industries from office and sales organizations, to service garages, apartment buildings, beauty salon owners, landlords of numerous single-family homes, and everything in between.  In addition to the ease of use, BOPs are usually a very cost-effective way to insure your business entity.

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Workers Compensation Insurance

Employers face considerable loss exposure for liability which arises from the injury or death of an employee.  Coverage for such exposures in most states is usually excluded under other liability or BOP policies and is normally covered via workers compensation insurance.  In many states, workers compensation insurance is required by law.  If an employee slips and falls on ice, injures their back while lifting heavy objects, or falls down some steps while working, workers compensation insurance will cover the medical expenses incurred from the accident, and also assist the employee with their income while disabled and recovering from their injury.

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