CAO Associates


CAO’s employee benefits expertise comes into focus at the critical juncture of carrier and insured. Recognizing that one size doesn’t fit all, we work with you to Customize Affordable Options. We specialize in solutions for customers that balance employee satisfaction with reasonable employer cost.

Health Plan Solutions

Technology

Supplemental Indemnity Plans

Specialty Coverage

Specialty Coverages


Insurance Beyond the Workplace


According to Forbes, 66% of US households own a pet and $1000 is spent at a veterinarian every 6 seconds. Because of the costs associated with taking care of a pet’s health needs, securing affordable pet insurance is becoming a priority for many pet owners. 

CAO represents the best pet insurance program in the form of Pin Paws Pet Care, a proprietary approach to pet healthcare. They combine pet insurance, pet telemedicine, Rx benefits, and discounts at pet-related retailers.

The Pin Paws Pet Care program includes the proprietary Pin Paws product: a GPS tracking tag with a QR code for easy identification of a lost pet’s location and essential information. The Pin Paws tag can also serve as an EHR to store all vet records for the pet.