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Insurance & Business Products For Independent Insurance Agents & Brokers

IIABCal membership – through its for-profit subsidiary, Independent Insurance Producer Service Corporation – provides 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. 

Insurance Products

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 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 commercial lines clients. IIABCal’s flood insurance underwriters are among the top Write-Your-Own flood carriers and top property-casualty insurers nationwide. 


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

IABCal 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, 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.


Business Products

Disaster Recovery

When a disaster hits an insurance agency, IIABCal Program Partner, Agility Recovery, immediately begins mobilizing personnel and assets, utilizing all of our resources, knowledge and expertise.  We handle everything associated with the recovery elements we provide, freeing you to focus on what matters most: your people, clients and community.  Unlike other programs, Agility has no disaster declaration or alert fees.  Coverage begins the day you become a member, with no long discovery process or plan development fee.  

Employee Outsourcing

Work at Home Vintage Experts (WAHVE) is an innovative remote staffing solution for insurance firms to optimize their workforce. WAHVE help firms realign business strategy to focus on customer service, customer retention and growth by providing the right talent to perform the work at a significant savings.  IIABCal's Program Partner is the only work at home model and outsourcing alternative to off-shoring. WAHVE is the repository for the industry’s retiring talent with a significant database of retired baby-boomers who want to continue to work from home to supplement their retirement income.

IT Support

IIABCal's Program Partner, Advantage Microsystems, can help by offering you a service that delivers a comprehensive IT department and costs less than what other agencies spend on technology and technology payroll nationally, according to the IIABA Best Practices Study. As an IIABCal member you stand to lower your technology costs and increase your staff's efficiency and productivity by utilizing Advantage Microsystems' services. In addition, as an IIABCal member, you are eligible for a 5% discount on our service plans.

Banking Services

InsurBanc is an independent community bank that was founded by independent agents exclusively for independent agents.  Organized in 2001 by the Big “I” specifically to serve independent insurance agents, we have developed a distinctive culture that allows us the opportunity to work with you as a partner to help optimize growth opportunities and manage your agency efficiently. You can rely on InsurBanc for custom products designed to underwrite your success.

Personal Assessment

Want A Guarantee Your Next Hire Will Work Out? Caliper offers independent insurance agencies the best change of hiring the right person for the right job.  Have your recruits been objectively assessed by Caliper as part of the hiring process. If the assessed personnel does not work out as outlined, Caliper will perform your next assessment at no charge.  The Caliper test instrument is also an excellent management tool to get the most from your existing staff – including evaluations of promotion potential and help for job "turnarounds."

Office Supplies

As an IIABCal member you are entitled to enroll in the Office Depot Discount Program. By using the office supply discount program, it can go a long way toward paying your annual membership dues with the money that you save in this program alone.