Calco Commercial Insurance maintains a downtown San Diego office at 110 Plaza on West A Street, operating as a specialty commercial lines brokerage under Heffernan Insurance Brokers' HeffDirect division following its January 2024 acquisition. The agency has built the largest vape industry insurance book in the United States, extending niche-market underwriting to the medspa, cryotherapy, and body-contouring sectors—coverage that protects operations at Avalon Laser in Bankers Hill and comparable aesthetic practices requiring both product liability and errors-and-omissions coverage. Founded in 2007, Calco places all policies through A.M. Best A-rated carriers with online quoting, binding, and certificate-of-insurance delivery. Lines span general liability, commercial property, commercial vehicle, errors and omissions, entertainment, and trucking insurance. That entertainment coverage portfolio extends to live-music and performance venues, insuring operations at Casbah in Middletown where liquor liability, event cancellation, and patron-injury exposure require specialty policy endorsements. Highest-complexity placements involve imported consumer-product liability programs requiring country-of-origin manufacturing documentation, FDA compliance verification, and excess liability towers above primary general liability limits.