Why let a name limit the scope of a business? California State Automobile Association Inter-Insurance Bureau doesn't just stick to California or autos. The Inter-Insurance Bureau business offers auto insurance (including for motorcycles), as well as homeowners and personal umbrella insurance to some 1 million policyholders in more than 15 states. It is the insurance arm of California State Automobile Association (CSAA), which provides automotive, travel, and financial services to members in Northern California, Nevada, and Utah and is the second-largest affiliate of AAA. Together the organizations operate as AAA Northern California, Nevada and Utah (AAA NCNU).
The CSAA Inter-Insurance Bureau insures some 1.7 million cars and is one of the largest providers of homeowners insurance in California. Underwriting subsidiaries include Western United Insurance and ACA Insurance. Policies are marketed primarily to CSAA members through the CSAA regional offices and other subsidiaries including AAA NCNU Insurance Agency.
CSAA and the Inter-Insurance Bureau together operate Pacific Lighthouse Reinsurance, a Bermuda-based captive insurance company that provides coverage for the organizations' business risks such as workers' compensation and officer liability. Affiliate AAA Life Insurance Company offers life insurance, and several CSAA subsidiaries offer insurance agency services.
To support its expanding geographic range, in 2009 the company opened a new facility in Oklahoma City.
Long before the interstate highway system, when traveling the California coastline meant horsepower of a different kind, a handful of early automobile owners gathered at Cliff House in San Francisco to discuss helping one another. Seven years later, in 1907, the CSAA was formed and began working to improve roads, road signs, and maps in the region. Soon the group realized the need for auto insurance and in 1914 the CSAA Inter-Insurance Bureau was created. Roadside service offerings were added in 1924.