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Find Commercial Insurance Agents Near You in San Clemente, CA

Browse commercial insurance agents serving San Clemente, California. Updated 2026-07-14.

The top-rated commercial insurance agent in San Clemente, California is Safe Life Insurance Agency, rated 5.0 stars across 417 reviews. Other highly rated options include Withers Insurance Services, Divel Insurance, General Insurance Services. This directory lists 20 commercial insurance agents serving San Clemente.

Showing 20 commercial insurance agents in San Clemente, CAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Safe Life Insurance Agency232 Avenida Fabricante STE 105(888) 633-6632
2Withers Insurance Services638 Camino De Los Mares(949) 637-2700
3Divel Insurance501 N El Camino Real UNIT 204(949) 829-3639
4General Insurance Services629 Camino De Los Mares STE 306(949) 661-2201
5Mundell Insurance Agency - Garrett Mundell; Farmers Insurance2340 S El Camino Real # 1(949) 269-7860
6Michele Ellena - State Farm Insurance Agent940 Calle Negocio Ste 230(949) 243-0792
7Unity One Insurance629 Camino De Los Mares #202b(949) 450-1822
8Diamond Preferred Insurance Services1100-1198 Caminante(949) 648-2922
9Cal Commercial Insurance806 E Avenida Pico suite i-266(949) 749-7044
10Bearbower Insurance Services501 N El Camino Real #200(949) 347-9909
SL
232 Avenida Fabricante STE 105
Safe Life Insurance Agency
Commercial Insurance Agent · San Clemente, CA

Safe Life Insurance Agency serves San Clemente and the surrounding Orange County area as a commercial insurance agent. It helps local businesses secure essential coverage to protect their operations, property, and liability risks. The agency works closely with clients to identify their unique exposures and match them with appropriate policies from various carriers. It tailors solutions for different industries, ensuring that businesses remain compliant and financially secure. Among its offerings, it specifically handles general liability coverage and workers' compensation insurance for companies in this region.

WI
638 Camino De Los Mares
Withers Insurance Services
Commercial Insurance Agent · San Clemente, CA

Withers Insurance Services provides a full range of commercial insurance products, including general liability, property, workers’ compensation, and business interruption coverage for local enterprises. The agency works closely with clients to assess specific operational risks and tailors coverage plans that align with each business’s unique needs and budget. It also offers periodic policy reviews and renewal support to ensure continuous protection. The company serves a variety of property types in the San Clemente area, including single-family homes used for business, apartments, retail storefronts, and restaurants.

DI
501 N El Camino Real UNIT 204
Divel Insurance
Commercial Insurance Agent · San Clemente, CA

Divel Insurance serves the San Clemente area and surrounding communities within Orange County, offering commercial insurance agency services to local business owners. It handles a variety of coverage needs, including general liability, property protection, and workers' compensation for small to midsize enterprises. The company assesses each client’s specific operational risks and industry exposure. It then tailors policy options to provide appropriate coverage limits and deductibles, aiming to secure competitive quotes from multiple carriers to meet the client’s budget and protection requirements.

GI
629 Camino De Los Mares STE 306
General Insurance Services
Commercial Insurance Agent · San Clemente, CA

General Insurance Services serves business owners, property managers, and commercial property landlords in San Clemente, California. It provides liability coverage, property insurance, and workers compensation policies tailored to local commercial operations. The agency helps clients assess risks unique to coastal businesses and advises on appropriate policy limits. Services extend to clients in nearby Dana Point, accommodating commercial insurance needs across that neighboring community as well.

MI
2340 S El Camino Real # 1
Mundell Insurance Agency - Garrett Mundell; Farmers Insurance
Commercial Insurance Agent · San Clemente, CA

Mundell Insurance Agency - Garrett Mundell, a Farmers Insurance commercial insurance agent in San Clemente, California, distinguishes between one-time policies for specific projects and recurring coverage for ongoing business operations. Coverage options for local merchants and service providers address general liability, property damage, and workers’ compensation claims. The agency helps clients evaluate their unique risks and select appropriate limits and deductibles. Service at this agency typically runs on a one-time basis for single policies or as needed for periodic reviews and adjustments to existing coverage.

ME
940 Calle Negocio Ste 230
Michele Ellena - State Farm Insurance Agent
Commercial Insurance Agent · San Clemente, CA

Michele Ellena - State Farm Insurance Agent in San Clemente, CA specializes in commercial insurance policies tailored for local small businesses and independent operators. The agency provides general commercial coverage options to help protect assets, property, and liability risks common to the area. As seasonal weather patterns can affect the Orange County coast, the agent also assists business owners in reviewing policies before the winter storm and wildfire seasons to ensure adequate protection against potential damage or interruption.

UO
629 Camino De Los Mares #202b
Unity One Insurance
Commercial Insurance Agent · San Clemente, CA

As the summer wildfire season approaches in San Clemente, many local business owners review their liability and property coverage. Unity One Insurance operates as a commercial insurance agent in the area, helping clients assess risks unique to coastal and inland operations. They connect businesses with policies tailored for general liability, workers compensation, and commercial auto protection. Their process begins with a complimentary review of current exposures and an onsite inspection of the business premises to identify specific coverage gaps.

DP
1100-1198 Caminante
Diamond Preferred Insurance Services
Commercial Insurance Agent · San Clemente, CA

Diamond Preferred Insurance Services works with business owners in San Clemente to assess and address their commercial risk exposures. The company specializes in adding key coverage options to standard policies, such as liability protection for property damage or employee-related claims. Its agent services help local enterprises secure financial safeguards against everyday operational hazards. Commercial sectors the agency can serve include offices, warehouses, and food service establishments.

CC
806 E Avenida Pico suite i-266
Cal Commercial Insurance
Commercial Insurance Agent · San Clemente, CA

Cal Commercial Insurance provides residential coverage services in San Clemente, California. The agency also handles businesses of various sizes, including liability and property policies. It serves commercial clients throughout the local region. Company representatives review each client’s specific operational risks and match appropriate coverage limits. After the initial policy is placed, the team stays in regular contact to ensure that protection remains adequate. Routine follow-up is scheduled between regular office visits, allowing agents to update policies as a client’s business needs evolve.

BI
501 N El Camino Real #200
Bearbower Insurance Services
Commercial Insurance Agent · San Clemente, CA

Bearbower Insurance Services is a commercial insurance agent in San Clemente, known for sourcing liability and property coverage for local businesses. It helps contractors, retailers, and service providers secure policies that address common operational risks and regulatory requirements. The agency works with multiple carriers to match clients with appropriate protection plans for their specific industries. For clients managing fleets or driving for work, Bearbower can add on commercial auto insurance policies to cover company vehicles and employee driving exposures.

SI
122 Avenida Del Mar C
Shank Insurance Services
Commercial Insurance Agent · San Clemente, CA
(833) 878-2820
swartsmanning.com/shank
SC
501 N El Camino Real #200
San Clemente Insurance Services
Commercial Insurance Agent · San Clemente, CA
(949) 369-0951
sanclementeins.com
BI
1509 N El Camino Real Suite 3
Boydstun Insurance Services, Inc
Commercial Insurance Agent · San Clemente, CA
(949) 465-9999
bis-oc.com
GG
940 Calle Negocio Ste 170
GIS Galvez Insurance Services
Commercial Insurance Agent · San Clemente, CA
(949) 240-7445
gisgalvezinsuranceservices.com
EI
103 W El Portal STE C
Eastway Insurance Services
Commercial Insurance Agent · San Clemente, CA
(949) 498-1810
GL
1005 Calle Recodo
George L Brown Insurance
Commercial Insurance Agent · San Clemente, CA
(949) 361-1400
georgebrowninsurance.com
DM
931 Calle Negocio ste j
Douglas Mc Carty Insurance Services
Commercial Insurance Agent · San Clemente, CA
(949) 366-9405
douglasmccarty.com
LI
San Clemente, CA 92673
Leger Insurance Agency
Commercial Insurance Agent · San Clemente, CA
(949) 244-7611
legerinsuranceagency.com
WU
430 N El Camino Real Ste D
Western United Commercial Insurance Services
Commercial Insurance Agent · San Clemente, CA
(949) 529-0774
wucis.com
HI
200 S Ola Vista
HUB International
Commercial Insurance Agent · San Clemente, CA
(949) 940-1856

What Does a a Commercial Insurance Agent in San Clemente Cost?

Typical costs for a commercial insurance agent in California range from 5% to 20% of the premium as a commission. Small business general liability policies can cost between $500 and $3,000 per year. Workers compensation premiums vary by industry and payroll but average around $1,000 per employee annually. This is general information and not insurance advice.

About commercial insurance agents in San Clemente

A commercial insurance agent in San Clemente helps local businesses find the right coverage for liability property and workers compensation. California law requires most employers to carry workers compensation insurance under the California Labor Code. Agents in San Clemente understand the unique risks faced by coastal businesses including weather and tourism related exposures.

Frequently Asked Questions

What types of commercial insurance do San Clemente businesses need?

Common coverages include general liability commercial property workers compensation and commercial auto. California law mandates workers comp for most employers and commercial auto insurance for vehicles used for business.

How does a commercial insurance agent in San Clemente help with California compliance?

Agents help you meet state requirements such as the California workers compensation mandate and the commercial auto insurance minimums. They also advise on additional coverages like cyber liability for data breach laws.

What factors affect the cost of commercial insurance in San Clemente?

Costs depend on your industry business size payroll revenue claims history and location. San Clemente businesses near the coast may pay more for property insurance due to flood and wind risks.

Commercial Insurance Agents in Other California Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each commercial insurance agent's credentials and current standing with your state Department of Insurance.