Commercial Lines
Business Insurance Coverage
Protect your business, employees, and assets with commercial coverage tailored to your industry — from one independent agency with access to 50+ carriers.
Commercial Insurance Built Around Your Business
Every business is different — your insurance should be too. As an independent agency, AJS Insurance Services compares commercial coverage from 50+ carriers to find the right combination of protection and price for your specific industry, size, and risk profile. No one-size-fits-all policies here.
What We Cover
Commercial Lines Coverage
General Liability Insurance
Protect your business from third-party claims of bodily injury, property damage, and advertising injury. General liability is the foundation of any sound commercial insurance program.
- Bodily injury & property damage
- Products & completed operations
- Personal & advertising injury
- Medical payments coverage
- Contractual liability
Business Owners Policy (BOP)
A BOP bundles general liability and commercial property coverage into one affordable policy — ideal for small to mid-size businesses that want broad protection without complexity.
- General liability included
- Commercial property coverage
- Business interruption / income loss
- Equipment breakdown
- Customizable endorsements
Workers' Compensation
California requires workers' comp for virtually every employer. We help you find the right carrier and rate, whether you have 1 employee or 100.
- Medical expense coverage
- Lost wage replacement
- Employer liability protection
- California state compliance
- Experience modification support
Commercial Property Insurance
Cover your building, equipment, inventory, and other physical assets against fire, theft, vandalism, and other covered perils — whether you own or lease your space.
- Building & structure coverage
- Business personal property
- Inventory & stock
- Equipment & machinery
- Business income / extra expense
Professional Liability (E&O)
If your business provides professional services or advice, errors & omissions coverage protects you from claims of negligence, mistakes, or failure to deliver promised services.
- Negligence & errors coverage
- Defense costs included
- Claims-made or occurrence forms
- Retroactive date options
- Broad professional services coverage
Contractors & Trade Insurance
Contractors, tradespeople, and service businesses face unique risks. We place coverage for general contractors, subcontractors, landscapers, plumbers, electricians, and more.
- Contractor general liability
- Tools & equipment coverage
- Installation floater
- Completed operations
- Certificate of insurance support
Industries We Serve
We Know Your Industry
We've placed commercial coverage across a wide range of industries throughout California. If your business isn't listed, call us — we can almost certainly help.
Why Choose Us
The Independent Advantage for Business
A captive agent locks you into one company's rates and appetite. As an independent agency, we shop the commercial market on your behalf — finding the carrier that's the best fit for your industry, claims history, and budget.
- Access to 50+ commercial carriers — we find the best rate for your industry
- Over 20 years placing business insurance in California
- We handle certificates of insurance quickly so you can close contracts
- One advisor for all your commercial lines — no runaround
- Honest advice: we recommend what you need, not what pays us most
- Serving Culver City, Los Angeles, Santa Monica & surrounding areas
Get a Free Business Insurance Quote
Tell us about your business and we'll compare options across 50+ carriers. No obligation — just straightforward advice from an experienced local agent.
Mon–Fri 9:00 AM – 5:00 PM · Culver City, CA
Need Trucking or Personal Coverage?
We handle every line — from commercial trucking fleets to personal home and auto.