CAL Insurance & Associates, Inc.

Welcome to CAL Insurance & Associates, Inc.

CAL Insurance & Associates, Inc. is a multifaceted independent insurance agency and an advocate for small business in San Francisco, California and the nation.

Our firm built its reputation by providing a complete range of business, benefits and personal insurance for 80 years. We have a full spectrum of services for our clients that makes us an excellent business partner and consultant on all matters related to insurance. This coordination allows us the breadth to manage an entire insurance portfolio.

We are big enough to have a wealth of markets, yet small enough to identify ourselves as a regional insurance agency.

CAL HISTORY

In 1927, Cyril Anthony Lagomarsino founded a real estate/insurance business called CAL Insurance and CAL Realty. The name of the businesses, contrary to most people's belief, has nothing to do with the state of California or the University of California, but Cyril's initials. It was located at 515 Frederick Street, San Francisco, across from Kezar Stadium.

The business was very successful, but Cyril wanted to expand the insurance side and wanted it to continue beyond his time. To do this, he took a young Clayton Hauge in as a partner in CAL Insurance in 1961.

The next year, Paul Zavagno joined CAL Insurance as a partner and in 1963 CAL Insurance became the corporation that exists today.

CAL Insurance & Associates was unique for its time in that it put together a cache of 19 agencies around the Bay Area. Unfortunately, due to market forces, the agencies that made up the associates began to splinter to a point where Clayton Hauge left the organization and established CAL Insurance as a sole proprietor. In 1975, his son Scott Hauge came into the agency with a two-part plan: grow the agency account by account and by acquiring other agencies.

In 1980, Clayscott Insurance Agency, Incorporated was established.

In 1982, Clayton Hauge retired. That same year, Scott Hauge purchased CAL Insurance & Associates Incorporated from Paul Zavagno, bringing the agency back into the Hauge family.

CAL Insurance & Associates now has over 25 employees and prides itself on the services it provides its customers. It provides all lines of insurance including business, employee benefits, home, automobile, umbrella and earthquake coverage.

CAL's motto "Always Looking Out for You" is a core philosophy. In addition to providing insurance for its customers, CAL President, Scott Hauge has become a leader in the small business community in San Francisco, Sacramento, and Washington DC. He has saved millions of dollars for small business in taxes and established programs that have helped them to comply with regulations and obtain government contracts.

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