CAL Insurance & Consulting Services LLC is a certified minority-owned insurance broker & consultant that specialize in Group Benefits and Property & Casualty Insurance.  On the benefits side, coverage areas include group life, health, dental and disability, as well as International executive and family planning. On the Property & Casualty side, we insure risks covering liability, property, builders risk, contractor's wrap-up, fleets of commercial auto, errors & omissions, directors & officers, professional, workers compensation, surety bonding, and personal lines.  We work with all private & public entities including Fortune 500 companies, federal, city, state, local governments and agencies, schools and universities, hospitals, non-profits and small businesses.  

Mr. Carlos A. Lithgow, President of CAL Insurance, has over 25 years of experience working with corporations and institutions by managing all aspects of their insurance and benefits ‘needs. CAL Insurance has worked with municipalities as a prime contractor to secure full Property & Casualty coverage needed. The firm is also currently providing benefits’ consulting services to the SUNY (State University of New York) branches and is an approved vendor and consulted with a Federal Agency of the US Government for Commercial Auto insurance.

CAL Insurance is New York City and State MBE Certified, DBE Certified by The Port Authority of NY & NJ and an approved vendor with Federal Government for all types of insurance and group benefits procurements.