Kaliff Insurance represents only the highest rated insurers. Our guidelines for choosing a particular carrier are based on the ratings of the A.M. Best Company (an independent analyst of the insurance industry since 1899) which rates a firm in such vital areas as:

• Competency of underwriting
• Control of expenses
• Adequacy of reserves
• Soundness of investments
• Capital sufficiency

We typically choose insurers that have earned an A+ (Superior) or A (Excellent) rating. This insures our clients are receiving the highest quality coverage. In addition, our insurance carriers are financially sound and able to meet their commitments in the event of accidental loss.