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Insurance Products

Stay Ahead of the Competition!
Insurance Products For Independent Insurance Agents & Brokers

IIABCal, through its for-profit subsidiary - Independent Insurance Producer Service Corporation - offers insurance products to members, keeping them ahead of the competition.

IIABCal membership gives you access to a number of programs, including broker-agent E&O at member discount prices; Commercial and Residential Earthquake; Personal Umbrella with commercial options; Affluent Homeowners; Employment Practice Liability; Residential & Commercial Lessor’s Risk; Flood Insurance; and more. 

Check out what IIABCal has to offer below:

 


Errors & Omissions Insurance

IIABCal provides members with the best overall E&O value in the marketplace – not just a policy, but a comprehensive program that includes multiple markets, expert advice, preferred rates, and premium credits for claims free accounts.  Want to find out more? Let us review your current E&O policy. Call Mike Orrick at 916-865-8111 or send an email to morrick@iiabcal.org today for a free E&O policy review!


Earthquake Insurance (Personal & Commercial)

IIABCal's earthquake insurance programs are designed to offer competitive coverage options for California home and condominiums owners, as well as businesses. The programs deliver commercial and residential earthquake insurance products with broader coverage, higher limits and lower deductibles, with competitive rates depending on the location of the risk and age of the dwelling.


Umbrella Insurance (Personal & Commercial)

Now, one insurance policy gives seamless coverage for both your personal and business exposures. This single policy prevents the legal battles that can occur when two different insurance companies may cover the same accident. This policy is available to you regardless of the insurance company you choose for your home, auto or business. The best part is that this one policy usually costs less than having two separate policies.


Employment Practices Liability Insurance

IIABCal member agents and brokers have access to an exclusive Employment Practices Liability program through CRC Swett and underwritten by Houston Casualty Company, A.M. Best Rated A+ XIV, a non-admitted company in California.  The program offers low retentions starting at $5,000, wage & hour coverage, affordable pricing, broad coverages, self-rater (if it fits, it binds), simple 16-question application form, free human resources services through HR Pilot, and 10% commissions.


Flood Insurance

IIABCal members have access to two flood insurance programs, offering the best in coverage, price and expertise to personal and commercail lines clients. IIABCal’s flood insurance underwriters are among the top Write-Your-Own flood carriers and top property-casualty insurers nationwide. 


Cyber Liability Insurance

NetGuard™ Plus is Network Security and Privacy Insurance that features simplified underwriting for IIABCal member agents and brokers..  NetGuard™ Plus offers a streamlined application process that simplifies quoting and binding.  The applicant who meets program qualifications can choose options from the rate card and request to bind.


 


Personal Insurance Products

For more than 125 years, Chubb has built and maintained a reputation as one of the world’s preeminent insurers – providing innovative coverage and unrivaled service for owners of fine homes, collections, automobiles and watercraft.  


Product Contamination Insurance

IIABCal members have access to two exclusive product contamination programs for companies of all sizes, as well as a program for the Dietary and Nutritional Supplement Industry to protect against malicious Product Tampering, Accidental Product Contamination, Adverse Publicity, and Government Recall.


Employee Benefits

IIABCal - through the Big “I” Employee Benefits program - provides full service group benefits for our member agents and brokers.    Our program is underwritten by The Guardian Life Insurance Company of America, a multi-line insurance group with many years of experience in the business and administered by a dedicated service team just for Big “I” Members.  


Apartment & Commercial Lessor's Risk Insurance

IIABCal member agents and brokers have access to comprehensive property and liability coverage programs for Residential & Commercial Lessor's Risk including: Apartment Lessor's Risk Program Focus: 1,000 units or less; Single Family Dwellings, Duplexes, Triplexes, Fourplexes; Mixed-use buildings with habitational and commercial exposures; Associations; Commercial Lessor's Risk Program Focus: Property owners and Managers of Commercial Lessor's Risk Real Estate; and Coverage Options: Property, General Liability, Premises Environmental Liability, and Umbrella


Retirement Services

Having trouble deciding which retirement plan is right for you or your agency? Big "I" Retirement Services is here to help you choose which plan best meets your circumstances. We’ve worked with more than 1,000 agencies to help them achieve their retirement goals.


Auto Excess Liability Insurance

An auto excess liability market that offers excellent companion coverage for your clients with established personal auto written by an A+ IX rated admitted carrier.  Offered exclusively to IIABCal member agents and brokers in a joint venture with Anderson & Murison and TOPA Insurance Company.


Big "I" Markets

Big “I” Markets​ is an online market access system available exclusively to IIABCal members featuring no fees, no volume commitments and competitive commissions.