All Commercial Insurance

Aims Insurance understands the challenges you face every single day as a business owner. There are inherent risks involved in the nature of every business in every industry and at times the losses can be catastrophic. Whether you are a home-based business or a company with an army of workers, you need to safeguard your business and your employees from a variety of claims that can arise from your business operations. Aims Insurance offers a wide variety of low-cost and fully customizable business and commercial Insurance packages that are perfectly designed to suit the needs of every business in California.

If you own a business the most important step is to obtain proper business insurance coverage to protect your business and livelihood when the unexpected occurs. We understand that you have worked very hard to get this far and your business is your most valuable asset. Our commercial insurance experts will make it easy and go above and beyond to help meet your business insurance needs. Our knowledge of business insurance along with our real-time rate comparison among the nations leading commercial insurance carriers allows us to find you the low cost business insurance from basic coverage to most complicated risks and specialized protection in a short period of time. We offer low-cost business insurance for a wide range of businesses, including retailers, contractors, manufacturers, wholesalers, distributors, medical, professional services, and more. We also work with ‘hard to place risk’ insurance carriers who specialize in offering business insurance for high risk businesses such as Marijuana dispensaries, Smoke shops, liquor stores, nightclubs, and more.

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Coverages offered:

Commercial General Liability (CGL) Insurance, Business Owner’s Policy (BOP), Worker’s Compensation Insurance, Property Insurance, Professional Liability Insurance, Employment Practices Liability Insurance (EPLI), Errors & Omissions (E&O) Insurance, Directors and Officers Insurance (D&O), Garage-Keepers Insurance, Business Umbrella Insurance, Cyber Liability Insurance, Special Event Insurance, Contractors Insurance, Commercial Auto Insurance, Rideshare Insurance, and more.

Commercial General Liability (CGL) Insurance:

Commercial general liability is important for CA businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage. Coverages generally include: bodily injury liability, property damage liability, and lawsuits costs for covered losses.

Business Owner's Policy (BOP)

This policy bundle includes commercial property insurance and general liability in one policy. It is often the most cost-effective type of commercial insurance for a CA business. Coverages generally include: bodily injury and property damage, business furniture and equipment, and defense costs for covered liability losses.

Worker's Compensation Insurance

Workers’ compensation insurance is required in California for every business that has employees. It covers company employees if they are injured at work and for work-related injuries . Coverages generally include: medical expenses, Rehabilitation expenses, and lost wages.

Professional Liability Insurance AKA Errors & Omissions (E&O)

This liability policy, also called E&O insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines. We strongly recommend this coverage for all professional and technology companies.
This coverage generally protects a business against: claims of negligence from clients and customers, mistakes or advice made by a company, Services completed, and Legal defence costs.

Cyber Liability Insurance

This liability coverage helps California businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses. Covers against: Data breach lawsuits, Client notification expenses, Fraud monitoring costs.

Commercial Auto Insurance

This policy is required for business-owned vehicles in California. It covers injuries and property damage in an accident, along with vehicle theft, vandalism. Covers: Accidents involving business-owned vehicles, Theft of a business-owned vehicle, Damage to a company vehicle. Please visit our commercial auto insurance page for more information.

Discounts offered:

Finding the cheapest business insurance is a priority for every cost-conscious business owner. The amounts of discounts for which you are eligible usually depends on your business class, location, and your carrier. Carriers generally offer discounts such as: paid in full discount, prior insurance discount, and more.

Business Insurance Cost and Rating Factors:

There are several factors that influence business and commercial insurance costs such as: Business type, Location, Number of employees, Coverage requirements, High exposure to risk, Claims history, and more!

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Have A Questions ?

If you got a question, look no further. We post the most common questions. If you have any further questions please feel free to ask our Insurance expert.

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It’s crystal clear that you are going to save with us but we will surprise you with how much you could save. Our quotes are personalized for you and specific to meet your needs and requirements!

Aims Insurance Services Inc. has been serving California for over 10 years. What we do is provide high quality cost effective auto insurance, homeowners insurance, commercial insurance and renters insurance to residents of California.

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