California Casualty and Navajo section

California Casualty Management Company is in the business of providing individuals with insurance coverage, in particular those in the fields of education, law enforcement, fire fighting, and nursing.

Contents 1 History 2 Products and markets 3 Programs 4 Financials 5 Legal structure 6 Advisory board 7 Locations 8 Contributions to the community 9 The Carl Brown, Jr. Award of Excellence 10 Competition 11 Service ratings 12 References 13 External links


In 1914, Carl G. Brown, Sr. started California Casualty Indemnity Exchange as a customer-owned company offering workers' compensation insurance to California's new and growing industries. The company was based on Carl G. Brown, Sr.’s high ethical standards and business integrity. In 1917 California Casualty began offering auto insurance, followed by home insurance in 1954. His son, Carl G. Brown, Jr. took over as Chairman in 1957 and, in 1965 codified his father’s principles in the California Casualty Code.

In 1951, California Casualty pioneered what is now an industry trend of affinity insurance programs when it received the endorsement of the California Teachers Association (CTA) to provide auto and home insurance to its members. Sixty years later they still serve CTA and its members and expanded nationally with over 100 other endorsements including the National Education Association (NEA); many police, state trooper, and firefighter associations; and universities and medical centers.

In 1978, after Carl G. Brown, Jr. retired, his son, Tom Brown, carried on the family tradition and moved up to Chairman of the Board. Under Tom’s leadership the business expanded across the country when it received the NEA endorsement.

In 2007, President and CEO Beau Brown continued as the fourth generation to head California Casualty. In 2010, he was also named Chairman of the Board. Products and markets

They provide personal insurance programs for affinity groups and their members.

California Casualty offers auto insurance in 44 states and the District of Columbia and property insurance in 38 states and the District of Columbia.

They also offer personal liability umbrella, earthquake, flood, boat, recreational vehicle, snowmobile, and pet insurance through business partners. Programs

Impact Teen Drivers - California Casualty Group teamed with the California Teachers Association (CTA) and the California Association of Highway Patrolmen (CAHP) to launch a teen driver awareness program aimed at saving young lives.

The program is geared directly toward the newest drivers — 10th graders — and it focuses on making them aware of the dangers of distracted driving. The public information campaign officially launched in April 2008. The website, What Do You Consider Lethal? gives teens a chance to learn from others' experiences of the impact of bad driving judgments. Financials

California Casualty’s policyholder-owned organization is rated A- (Excellent) by A.M. Best Company. California Casualty does not carry any debt on its balance sheet and has no liquidity issues. Their conservative investment philosophy prohibits exposure to the kinds of risks that have shaken Wall Street. Legal structure

California Casualty Group comprises California Casualty Indemnity Exchange (the “Exchange”), and its four wholly owned subsidiary insurance companies: California Casualty Insurance Company, California Casualty & Fire Insurance Company, California Casualty General Insurance Company of Oregon and California Casualty Compensation Insurance Company. The insurance business of the Exchange and its subsidiary insurance companies is managed, by contract, by California Casualty Management Company, a separate and independent company. The relationship between California Casualty Management Company and the Exchange has been in place since the founding of the Exchange in 1914. Advisory board

The Exchange is governed by a 17-person Advisory Board. The role of the Advisory Board is to supervise the finances of the Exchange and oversee the Exchange’s relationship with its attorney-in-fact, California Casualty Management Company. Locations

California Casualty’s home office is located in San Mateo, California. The company operates three virtual call centers. The Colorado Springs, Colorado location opened in 1994. The call center in Leawood, Kansas opened in 1993. The center in Glendale, Arizona opened in 1999. Contributions to the community

California Casualty serves the broader community in many ways. Employees dedicate significant time and effort in a variety of activities to raise money for heart disease and cancer research, and to help those less fortunate with food and gifts during the holidays. California Casualty also allows customers to reduce their mail by opting for electronic payments and document delivery.

The company fosters a culture of participation and volunteerism through a variety of programs in 41 states, including: NEA Read Across America Adopt A School School Lounge Makeover Athletics Grants Volunteering on local phone banks State affiliate charitable fund tournaments Help Your Classroom monetary donation program Hurricane Katrina Relief Drive Tsunami Relief Drive Haiti Relief Drive United Way Race For The Cure The Family Giving Tree Back To School Backpack Drive JPMorgan Chase Corporate Challenge Run American Heart Walk

While not a complete list of activities, it illustrates the corporate citizenship of California Casualty and its employees. The Carl Brown, Jr. Award of Excellence

On January 1, 1980 the company established the Carl G. Brown, Jr. Award of Excellence, an annual award to be given to California Casualty Management Company employee for excellence in their performance of business activities and involvement in the community.

Although many companies have such annual awards for top-performing employees, the Carl Brown, Jr. Award of Excellence has a unique theme. Tom Brown felt that the award should have a permanent exhibit in the California Casualty Group’s home offices. Edward J. Fraughton, a well-known artist from Utah was commissioned to create a sculpture of a mountain man. Fraughton created two pieces, the first entitled "Edge of Silence," is the permanent exhibit and the second entitled “The Pathfinder” is given as the annual award. The Carl G. Brown, Jr. Award goes to an employee for excellence in their performance of business activities and involvement in the community. Competition

California Casualty does not serve the general public. They focus efforts on affinity niche market group members. Service ratings

AM Best California DOI's 2010 Consumer Complaint Study California DOI’s 2007 Consumer Complaint Study

Navajo section and California Casualty

Navajo Mountain, on the northern Navajo Section boundary. Shiprock, New Mexico.

The Navajo Section is a physiographic section of the larger Colorado Plateaus Province, which in turn is part of the larger Intermontane Plateaus physiographic Division.

Contents 1 Geography 1.1 Elevations 1.2 Adjacent 2 Geology and physiography 3 See also 4 References 5 External links


The Navajo Section is located in northeastern Arizona and northwestern New Mexico. It is named for the Navajo Nation, with about half of the area of the section on the Navajo Reservation.

The section is characterized by broad rolling plains on easily eroded and carved rocks, with cuestas (ridges) and tablelands capped by gently dipping resistant sandstone beds. One of the most prominent landform features of the Navajo Section is Shiprock, a 7,177 feet (2,188 m) monadnock formation near the town of Shiprock, New Mexico. Elevations

The lowest point in the Navajo Section is about 4,700 feet (1,400 m), near the Four Corners area. The boundary between this section and the Canyon Lands Section is nearby, in the San Juan River basin. The highest point of the Navajo Section is 9,916 feet (3,022 m) at Chromo Mountain on the Continental Divide near Chama, New Mexico. Adjacent

Adjacent to the Navajo Section are the: Canyon Lands Section to the north. Rio Grande rift of the Basin and Range Province to the east. Acoma-Zuni Section to the south. Grand Canyon Section to the west Geology and physiography

The area is predominately generally horizontal sandstone beds with some shale sequences of late Cretaceous and early Cenozoic age. A few areas of the section also have abundant volcanic necks and buttes, but due to the arid weather and soft sandstone, many of the rock formations of the area have eroded to form distinctive features of long cuestas, shallow canyons and valleys, narrow fan terraces, undulating plateaus, isolated mesas, steep hills, and some shale badlands. San Juan Basin

Near the Four Corners area is a steeply tilted monocline known as The Hogback, which trends southwestward from where the San Juan River enters the area. Here the San Juan River flows into an area known as the San Juan Basin, where the western San Juan Basin is typified by exposures of the Fruitland and Menefee Formations. A stepped sequence of high stream terraces, present above the San Juan River and its tributaries, represents abandoned Pleistocene flood plains. See also United States physiographic region Physiographic regions of the world
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