The mission of the California Competitive Rating Index System (Cal CRIS) is to empower businesses by providing a transparent, comprehensive ranking system of insurance companies' diversity, equity, and inclusion (DEI) programs. Our goal is to enable informed decision-making for companies seeking partners who not only align with their values but also demonstrate a commitment to fostering an inclusive and equitable workplace. Through rigorous evaluation and consistent standards, Cal CRIS strives to enhance accountability and promote best practices within the insurance industry, thereby contributing to a more diverse and inclusive business environment in California. The best vendors and suppliers should seek the best companies that want to do business with them.
The California Competitive Rating Index System (Cal CRIS) has reshaped the insurance industry by incorporating rigorous Diversity, Equity, and Inclusion (DEI) metrics into company evaluations. Launched as a bold initiative, Cal CRIS has effectively set new standards, challenging companies to elevate their DEI practices. Those excelling in Cal CRIS rankings enjoy enhanced reputation, attracting top talent and reducing customer complaints, thus proving that ethical commitment aligns with business success.
Our original Cal CRIS videos capture the early days of our DEI initiatives, showcasing the raw, unpolished beginnings of what would become a groundbreaking movement in the insurance industry. These vintage clips offer a candid look at our initial steps towards inclusivity and transparency.
Unity Through Diversity: A Personal Journey
I remember it like it was yesterday. In 2014, I attended my eldest grand-daughter’s high school graduation, a moment that forever shaped my perspective. As a native third-generation Californian of German and African descent, I noticed for the first time that her graduating class was predominantly minority students. This epiphany opened my eyes to the profound connections we share beyond racial appearances.
My life is a rich tapestry woven from both my German and African heritage. Though my appearance may not reveal this, my cultural background profoundly influences me. My wife, of Portuguese, African, and German descent, and I have embraced these diverse roots, which have shaped our identities and our family's life.
Interestingly, as I reviewed my business clients, I discovered that nearly 65% had German surnames or were of German descent. This realization made me ponder the underlying forces drawing us together. People from diverse backgrounds, who have never met, can still find common ground through shared cultural elements. Common sayings, word inflections, tones, demeanor, and similar beliefs, values, traditions, and practices foster a sense of familiarity and connection. These elements transcend physical differences, creating bonds based on cultural heritage and fostering a comfortable working environment.
Reflecting on history, I remember the Civil Rights marches where people of European descent stood alongside others, advocating for equal rights. The Civil War, which aimed to ensure freedom and equality for all, saw many Americans of European descent sacrificing their lives for this noble cause. Although the journey towards equality has not always been straightforward, it is undeniable that times are changing, roles are shifting, and the face of America is evolving.
Some may view America's past as marred by a racist, colonial system of injustice, seeking to reverse roles. However, if we honestly assess the situation, we see that the progress made by minorities would not have been possible without the support of Americans of European descent. It is not just about how we start but how we finish. This realization struck me profoundly during my granddaughter’s graduation.
Three months later, I joined the California Department of Insurance Diversity Initiative. From the beginning, I faced resistance in my efforts to strengthen diversity, equity, and inclusion (DEI) within the insurance industry. The prevailing sentiment was that I was pushing too hard for minorities and advocating for changes too quickly. In an industry dominated by executives resistant to change, this resistance sometimes made me smile. Their perspective on my work creates the resistance. If they saw what I see, they might see things differently.
Ten years later, I am transitioning into a retirement that I have always dreamed of. I have gone 6 for 6 with my grandchildren attending or graduating college and have seen the rich diversity of all people in their network of friends and associates. I am so proud that they have worked hard to have an inclusive ecosystem and watch all those within flourish.
I wonder if those executives will ever understand why I pressed so hard. It’s because I envision their grandchildren and great-grandchildren in diminished roles of minorities. I worked to secure their right to equality, just as their ancestors worked to secure mine and my grandchildren. This shared effort toward a common goal of equality underscores the enduring bonds that unite us, transcending our diverse backgrounds and appearances. But I do know one thing: this year, we celebrated my youngest grandson’s high school graduation, and his friends and their parents attended. It mirrored California’s population almost exactly. It was at this moment where I had another epiphany: even if the insurance executives could not see what I saw, the rich diversity of people at my grandson's graduation party could.
United by Heritage, Strengthened by Diversity.
My name is Anthony D. Belcher IH, CAC, CHMS
Each person has an equal right to the most extensive set of basic liberties compatible with similar liberties for others. This includes freedom of speech, assembly, religion, and the right to a fair trial. In addtion, each person is entitled to their opinion.
Imagine a hypothetical scenario where individuals are behind a "veil of ignorance" and are unaware of their own personal characteristics such as race, gender, socioeconomic status, talents, and abilities. They also do not know the position they will occupy in society once the veil is lifted.
"It is not fair to ask others to do what you are unwilling to do."
-Eleanor Roosevelt
es.
Do not go where the path may lead, go instead where there is no path and leave a trail.
-Ralph Waldo Emerson
“Sooner or later in life, we will all take our own turn being in the position we once had someone else in.”
― Ashly Lorenzana
“In the end we are always rewarded for our good will, our patience, fair-mindedness, and gentleness with what is strange.”
― Friedrich Nietzsche, The Gay Science
Cal-CRIS operates on a merit based competitive platform; the emphasis is not placed on what you are but on what you do. Cal-CRIS operates much like a credit Fair Isaac Corporation (FICO) score. The better the company’s performance, the higher the Cal-CRIS rating.
In order to ensure the full participation of diverse groups, CalCRIS would be given the responsibility of development, verifying applicant information and monitoring the Database Management System.
The task of inputting the data is the responsibility of the applicant and operates on the honor system. All client data is reviewed by Cal-CRIS using basic verification systems. However, every year, 33% of the DBMS will be subject to random auditing. False or misleading data inputted by the client will result in heavy point reductions leading to negative ratings for a minimum of 3 years.
The technology is currently available and has the potential of creating a world class system. However, the proper criteria is needed to develop a solid omnichannel foundation for D&I and B2B & B2C.
E&I value scores, input and update, progress, and other tools will provide transparent, actionable, and measurable results.
This website and mobile app analyze data provided by the most recent Data survey submitted by each of the qualifying insurers. The analysis provides supporting documentation for determining the efforts and methodology of the survey participants.
The target area of effort and methodology—which is the basis for the website and mobile app— is based upon the answers to the 8 primary criteria questions of the survey. A Cal-CAL-CRIS score is a numerical expression based on a level analysis of an insurers own survey, that provides the measurable effort and methodology of the company.
For example, a base Cal-CRIS score is primarily solely on the 2018 survey report information. Additional points may be obtained through a Cal CRIS Environmental, Health and Safety supplement that addresses the needs and concerns of ALL Californians.
Points are Given for the following values:
-Mentoring Programs -Women Business Enterprise
-Minorities Business -LGBQT
-Veterans -Environmental
-Employee Health & Safety -Disability
-Youth Programs -Climate Change
-Go Green Efforts -Reducing Greenhouse Emissions
-Age Diversity -Religious Diversity
-Re-Entry Outreach -Scholarships
The goal of Cal-CRIS is to leave no Californian behind.
Sometimes insurance companies or consumers simply don’t understand what equity leaders are trying to accomplish. What Cal-CRIS hopes to do is to broaden the inclusion pool. This is done to relieve such concerns; our supplemental main objective is to show inclusion efforts isn’t really to single out particular groups but to leverage all the talent and potential within today’s culture.
Equity is evolving. Most of us have been down the path of those early workshops and seminars dealing with bias, but Cal-CRIS is going much deeper now. We now have credible data that consumer and business people can evaluate and that will be the key that unlocks the door.
Are your customers raving about you on social media? Share their great stories to help turn potential customers into loyal ones.
Why equity? Why not equality?
Equity is fair treatment; equality is equal treatment. If you start from a place of disadvantage and are then treated equally as a person with advantage, you perpetuate and ultimately grow the gap between the two of you.
You need equitable measures first to close that gap and get everyone to a level playing field.
If you are a woman in business, odds are you have been and/or are subject to micro-aggressions and maybe even overt discrimination that has negatively impacted your career in some way. Whether it's overly protective paternal treatment or more systemic discrimination, it has an impact.
If, then, the tides suddenly turn and you are given an opportunity to compete equally for something, you are still operating from a baseline that has been disadvantaged.
This is why it is so critical to infuse equitable measures all along the way to strip out bias from women’s career experiences. It is the only way to ensure we can compete fairly.
The financial aspect of equity goes hand-in-hand with this. Women are often expected or asked to take on the uncompensated or under-compensated tasks in the workplace - admin work, event planning, meeting organizing, volunteer efforts, etc.
This does not do us any favors; it just makes us busier while already having to work harder to get to even.
On top of this, research has shown time and time again that women on average are paid less than men for the same work, particularly women of color.
We are reliant on our male allies and female leaders to advocate for us and make sure our responsibilities and compensation are equal to our male counterparts. We need you to keep pushing for this until we can turn the tide and get it to standard practice.
The real strengths of equity are in ownership, power, a seat at the table, and a voice and vote that matter. A recent study led by #Angels and conducted by Carta about female founders revealed that “women make up 33% of the combined founder and employee workforce but hold just 9% of the equity value.
The other 91% belongs to men…The average female founder owns just 39¢ in equity for every $1 that the average male founder owns.”
This shows that even as founders, CEOs, and innovation leaders, women are valued as “less than,” taken advantage of more often, or both. Even when we are bringing to market new, highly-demanded services and products that yield significant profit for our employees and shareholders.
We have to continue the keep the discussion top-of-mind with CEOs, leaders, and investors - to push back, to negotiate, and to seek out support for equitable treatment, opportunities, and compensation for women as a standard.
Without their partnership in driving change, we are only talking to ourselves, and we will not get to a place where equal treatment benefits everyone.
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Throughout her twenty-five-year career, Michelle Bogan has mentored colleagues and clients, founded and led women's groups, and helped promote many women and men to leadership positions. In 2018, she founded Equity for Women to advance the mission of empowering women at work.
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