California disclosures for Kalvira Insurance Services.

License and business identity

Coverage-binding notice

No insurance binder, policy change, cancellation, or reinstatement request is effective unless and until confirmed by a licensed insurance professional and, where required, accepted by the carrier. Website forms, email, voicemail, and text messages are not binding.

Communications and consent

• California-facing insurance marketing should make broker licensing information easy for the public to verify.
• A privacy notice should be easy to find on the website, using the word privacy on the site where applicable.
• Initial quote requests should avoid collecting unnecessary sensitive information such as Social Security numbers, driver's license numbers, or payment card data.
• Coverage cannot be bound, changed, or cancelled through a website form, email, voicemail, or text until confirmed by a licensed insurance professional.

California property market note

California buyers who have difficulty obtaining residential or commercial property insurance through regular markets may need to discuss FAIR Plan eligibility, limitations, and potential supplemental coverage such as a differences-in-conditions policy.

Official FAIR Plan information: https://www.insurance.ca.gov/01-consumers/200-wrr/California-FAIR-Plan.cfm