About Us

Over 15 Years Committed to Our Contractor, Construction and Restaurant Owner Clients

Cal Commercial Insurance

We are Independent Agents in San Clemente, California. Being independent, we are free to choose the best carrier for your specific insurance needs. We do not work for an insurance company, we work for you!

If you have a loss, we work on your side and follow through to see that you get fair, prompt payment and service. Cal Commercial Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that they work to satisfy your needs. You are using an expert for an important financial decision.

At Cal Commercial Insurance, we have numerous companies that specialize in insuring general contractors, builders, roofers, framers, painters, HVAC, and electricians, so we can get you the best coverage at the most affordable price. We also know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.

We are at your service.

Your Team

Kevin Walheim

President and Founder

Kevin has been in the insurance business for over 15 years. Initially, he learned about all lines of insurance, but decided to specialize in the construction industry. He truly enjoys helping the trades save money, becuase their premiums can be very high for their business insurance.

Kevin founded Cal Commercial Insurance in 2009 and has dedicated his career to helping general contractors, roofers, painters, framers, HVAC, electricians, and builders with all their commercial auto, workers comp, and general liability insurance.

Kevin is stays up-to-date the markets and continues to add connections for more competitive rates. He's committed to helping save his clients money. Kevin also understands all construction rating factors that can help drive the premium costs down.

Feedback from Our Clients

Tony S

Positive: Professionalism, Responsiveness, Value

Kevin has handled our Gen Liability, auto, and worker Comp insurance for several years and as part our due diligence we got a competitive from PIE after seeing an ad on TV. PIE was almost 3 times higher then Cal Commercial. Cal Commercial is always very competitive on the other policies as well. They do their job and are pleasant to deal with. I'm happy with them.

Tony S

Brittany F

Our company has been using them as our insurance broker for years. They are super friendly and always find the best rates! They have saved us a ton of money on our auto insurance!

Brittany F

Joanna B

Kevin is the most knowledgeable insurance provider I have ever met Contractors need to talk to him now because he saves you money and provides better coverage. That's the bottom line. Electricians, Plumbers, Roofers, G.C.'s - put some money back in your profits - work with Kevin Walheim at Cal Commercial Insurance.

Joanna B

Travon T

Best advise I could have gotten. Kevin Was one of the most authentic and knowledgeable broker I’ve met.

Travon T

Sara E

Kevin ALWAYS goes above and beyond to help with all my insurance needs. Thank you for all your hard work!

Sara E

Heriberto M

Great customer service , as a new construction company I didn’t know where to go and I was getting robbed by other broker so bad that I wasn’t trusting anyone anymore, a person referred Kevin , I decided to call him and he helped me to find an insurance with a coverage according to my needs and at a great price, you won’t regret calling Kevin he will make it happen.

Heriberto M

Krista R

Kevin is a very experienced agent with special detail in contracting risks!

Krista R

Jose F

called kevin and let him know what i needed for general liability and truck insurance he got back to me quickly and good rate. I have given a couple friends his number. i would recommend him to all contractors

Jose F

Maria C

Cal Commercial Insurance is the best, they saved lots of money. I was with another broker with bad customer service and was never there for me to help. Kevin you are the best!

Maria C

Victor R

Cal Commercial Insurance is the best, I was paying over $3,000 a year on my commercial truck, and now its down to under one thousand, you don't even know the help that has been with this bad economy. Thanks Kevin

Victor R

Rosen S

Positive: Professionalism, Quality, Responsiveness, Value

Kevin is the best commercial broker when it comes to contractors. I'm a personal insurance broker, and he helps all my client, who need commercial auto, general liability or works comp. He understands underwriting, and writes policies with good coverage.

He never disappoints me, nor my clients. If you are in need of commercial insurance, give Kevin a call.