CAL/OR Insurance Specialists has been serving the Southern Oregon/Northern California area from the same location since 1985. It has evolved over this time into a full service independent agency. We are proud to feature a property casualty personal lines department, a commercial lines department as well as a Life and Health department. Deborah Krambeal, President, and all of the staff welcome your inquiries. We are located just south of the Chetco River in Harbor on Highway 101. Stop in and meet us, or give us a call, we'll be happy to take the time to get to know you.