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California Casualty Indemnity Exchange, established in 1914, is a customer-owned insurer specializing in coverage for public service professionals, recently transitioning to a regional focus in states including California and Oregon [30, 33]. Its operations are defined by regulatory examinations focusing on financial health, alongside legal precedents in California regarding insurance, stacking, and workers' compensation [30, 31, 15]. For more information, visit California Casualty's official resources. california casualty indemnity