CAA Value Insurance

Call: 866-913-6293

The CAA Value Insurance Program is a full-service brokerage available to all California rental housing and property owners.

CAA Members receive exclusive discounts on coverage and service for personal and commercial insurance needs, multiple carrier options, and expert guidance.

With better pricing, superior service, and safety management tools, members can protect their assets while reducing costs. Take advantage of this valuable member benefit today!

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Frequently Asked Questions

My insurance carrier cancelled my policy. What do I do now?

First, don’t panic. Property insurance is the most common policy being cancelled right now.  Gather your building information such as year built, square footage, critical updates such as electrical, plumbing, HVAC, and roof.  Also ask your current agent for a 5-year loss history.   Once you are ready, call 866-913-6293 to speak with a licensed agent who can guide you through the process.  Or feel free to click above on Commercial Property / Liability coverage and complete the form.  A licensed agent will be in contact to help you through this process.

Why is Cyber Liability insurance so important for property owners and managers?

Cyber Liability provides protection for property owners and managers such as, data breaches, financial losses, and legal compliance.  Property owners and managers often collect sensitive information such as personal details, financial data, and payment history.  Cyber liability helps to mitigate the financial impact of a breach.  Cyber Liability can also cover financial losses stemming from a breach related to unauthorized transfers, fraud, or even downtime in some situations.  Cyber Liability also can include third party coverage.  Property managers often work with outside vendors who might have access to their systems.  If one of these third parties in involved in a breach the property manager could be held liable. 

I have one of the following electrical panel: Zinsco, Stab-Lok, or Federal Pacific. Will I be required to replace it?

The short answer is yes. Most carriers will require replacement of these electrical panels. A few carriers will provide a basic coverage policy if you have these panels, but most will require new panels.

What is Excess Liability/Umbrella insurance and why would I need it?

An Excess Liability policy provides extra protection beyond the limits of their existing insurance such as general liability, employers liability, and auto liability. An Excess Liability policy will respond once the primary liability limit has been exhausted. Some examples would be legal defense costs, tenant or visitor lawsuits, auto accident lawsuits. Excess Liability helps to protect your assets. Property owners typically have significant assets and a large lawsuit could jeopardize these assets.

Do all companies with employees need Employment Practices Liability insurance?

While not legally required, it is highly recommended. Employees can sue for a variety of reasons, even if the company believes they acted appropriately. Some examples would be discrimination, harassment, wrongful termination, retaliation. Even a small business can face a lawsuit. Third party coverage also protects against tenant suits such as discrimination and harassment.

Glossary of common insurance terms.

Disclaimer: Information used for quotation purposes ONLY and does not contemplate coverage bound. CA License: #0F71902