The Northeast’s Premier Commercial Auto &
Group Benefits Insurance Broker

Licensed in New York, Connecticut, New Jersey, Pennsylvania, Maryland, & most New England States

Business Insurance

Discover the perfect insurance options to meet your specific and unique needs.

Personal Insurance

Browse through a variety of coverages and find the right one for you.

Commercial Auto

Finding insurance doesn't have to be difficult. We do the work for you, so you can relax.

Business Consulting

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About Us


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. 


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800 Westchester Ave., Ste. 641 North
Rye Brook, NY 10573

Ph: 646.604.2988
Fx: 646.349.5778

360 West Putnam Avenue
Greenwich, CT 06830

Ph: 203.900.3353
Fx: 646.349.5778

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