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Contractors, Lower Your CA State Fund 
Workers Comp 
Insurance Rates
40% - 50%!

Most Construction Trades Contractors Are Paying Way Too Much!
Fast Quotes. Talk to a Live State Fund Expert.


Construction Insurance Risk Spectrum
Attention: Construction Contractors

Are you paying way too much for your California State Fund Workers Comp Insurance?

Were you told that State Fund is your ONLY option?

That might not be true!

Are you a Roofer, Tree Trimmer, Demolition Contractor, or do you work in high places or with explosives?

If not, you can be paying as much as 50% less for your Workers Compensation Insurance, compared to to what you're paying today with the CA State Fund!

Call or Text us Today at (949) 771-7731


Our Lowest Price Promise

Cal Commercial Insurance is a Licensed Independent Insurance Agency, with access to the State Fund of California through a Licensed Wholesaler .  

We are Insurance Specialists and only work with Contractors in the Construction Trades. Because we specialize, we know exactly which insurance carriers offer Workers Compensation Rates 40%-50% lower than California State Fund for most Artisan Contractors! 

Cal Commercial Insurance offers guidance on the best construction trades insurance programs for Plumbers, Electricians, Landscapers, Engineers, Painters, Excavators, Carpenters, Alarm Contractors, Concrete Contractors, Drainage Contractors, Driveway Contractors, Drywall Contractors, Energy Contractors, Fencing Contractors, Flooring Contractors, Framing Contractors, Insulation Contractors, Landscapers, Renovation Contractors, and General Contractors

We have chosen to only work with insurance carriers who prefer to insure Contractors in the Construction Trades, so the insurance options you receive from our agency, will help you lower your workers compensation insurance rates by 40% - 50%!

Call or Text Us Today at (949) 771-7731 today for a Fast Quote!

Receive Up to 50% OFF
Contractors Workers Comp Insurance


Insurance Products


Artisan Contractors and Construction Trades Receive Rates Up to 50% Off!


General Liability

Different types of Contractors have different insurance needs for protection. Our Contractor specialists will tailor a liability and property solution to meet your unique business needs.


Workers’ Compensation

Workers’ Compensation is required by law for most employers, and often the highest of your insurance costs. We have strategies to help you lower your rates by 40%!


Commercial Auto

Commercial Auto covers vehicles used to conduct a service, transport goods, or haul tools and equipment. We have the best companies that give you the lowest rates.


Business Owner’s Policy

A Business Owner’s Policy bundles traditional property and liability protection into one form with optional “Add-Ons”. A qualifying contractor business gets much lower premiums!

Electrician Workers Comp

Workers’ Compensation

By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. 

For many Contractor businesses, Workers' Comp coverage is the largest part of its insurance expense, so we have strategies to help you lower your Workers' Compensation Insurance as much as 50%!

Call Now (949) 771-7731

Other Insurance Options for Contractors in the Construction Trades

General Liability Insurance

Contractor's General Liability insurance is for residential & commercial builders, general contractors, specialty contractors, subcontractors, and owners of public or private construction projects.

Contractor General Liability Insurance is used to protect  against third party lawsuits caused from Bodily Injury or Property Damage incurred by the negligence of a Contractor's  Business or an employee while a construction job is ongoing or years after the project has been completed.

Painters Insurance

Business Owner’s Policy

A Business Owner's Policy (BOP) can make the insurance buying process easier. The BOP policy is often sold for a lower premium than the total cost of individual property and liability insurance policies. 

This policy can be a great choice for Artisan Contractors and Landscapers!


Call Us Today (949) 771-7731

Contact Us Today for a Complete Insurance Policy Assessment


Commercial Auto

Cal Commercial Insurance has helped hundreds of happy California Contractors in the Construction Trades lower their Commercial Auto Insurance by as much as 40%! 

This policy protects against liability, collision, personal injury, and more. We can accommodate Contractors with just one vehicle or as many as one hundred vehicles.

Check Out Our Customers Reviews

See why others love our 5-star service!

Johnny Bryant

His knowledge and specific details of how to help contractors get quality insurance at great rates is second to none I've ever worked with.

Geimy Ordonez

Highly recommend for anyone looking for an insurance broker who will find you only the best and what works for your company!

Don’t Let High Workers Comp Insurance Costs
Ruin Your Business!

Cal Commercial Insurance knows exactly how to lower your rates 40% - 50%!


Who We Are

California's Most Trusted Contractors Insurance Agency

Cal Commercial Insurance was founded to make a real difference for our client’s businesses. We pride ourselves on being responsive and knowledgeable while providing complete insurance solutions for Building Contractors and the Construction Trades.

We are Independent Agents in San Clemente, servicing the whole state of California. Being independent, we are free to choose the best carriers for your specific insurance needs. So we have chosen to only work with insurance carriers who love to insure Contractors! That way, we can save you up to 50% off your insurance rates elsewhere. 

We do not work for an insurance company, we work for you!

With over 15 years of specialized insurance services and a company focus on excellent customer service, we are fully committed to solving all your contractor's insurance needs. Contact us today at (949) 771-7731 to see how we can help!​​​​​

Kevin Walheim - Cal Commercial Ins

Kevin Walheim
We take great pride in delivering 100% client satisfaction every time!

Contact Us Today For FREE QUOTE (949) 771-7731

Frequently Asked Questions

My insurance agent already got me the lowest rates. Why should I check with your agency?

Because we have specialized in the construction trades for over 15 years, we are current with exactly what's going on in that market, so we know exactly which carriers are offering the best rates for each trade, at any given time.

Shouldn't I wait until my insurance renewal to check rates?

Typically, we've been able to save our clients up to 50% off their previous rates they have elsewhere. In most cases, it makes sense to lower your costs immediately, instead of waiting for renewal.

Why should I should I work with an agency that specializes in the construction trades?

There are always new carriers coming in to the market with lower rates. We know about them first. We also have free federal programs available to help lower your workers comp rates, while providing free benefits for your employees.

Areas We Service

Insuring The Construction Trades In California

San Clemente 
Los Angeles   

Mission Viejo
San Juan Capistrano
Laguna Niguel
Laguna Hills
Laguna Beach
Long Beach
Dana Point
Ladera Ranch
Lake Forest
Santa Ana
Santa Clarita
San Bernardino
Orange County
Los Angeles County
Riverside County
San Bernardino County
San Diego County
State of California


806 E Avenida Pico suite i-266 

San Clemente





Monday           8AM - 5PM

Tuesday           8AM - 5PM

Wednesday     8AM - 5PM

Thursday         8AM - 5PM

Friday               8AM - 5PM

Saturday                    Closed 

Sunday                       Closed