Home | BAIC

A California admitted insurance company that has been protecting California Small Businesses since 1997.

Trusted by insurance brokers and local business owners.

Experience

28 years protecting businesses like yours

We understand what it takes to insure small businesses. Our local expertise in California means fast, flexible, and effective solutions.

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Efficiency

Coverage made simple

From quote to policy, our process is fast, clear, and 100% online—because your time matters.

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Dedication

We focus only on small businesses

From restaurants to retail, we tailor coverage to your needs. Every client matters. Every risk is reviewed with care.

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We specialize in providing commercial insurance for small businesses — from local restaurants and bars to liquor stores, grocery shops, and commercial rentals. Our goal is simple: offer flexible, reliable coverage with personal service.

Liquor Stores

Protection for businesses selling alcohol and convenience goods.

Bars & Taverns

Tailored insurance for neighborhood pubs, lounges, and local watering holes.

Restaurants

Comprehensive coverage for dine-in, takeout, and quick-service establishments.

Other Small to Medium Businesses

Specialized plans for small to medium businesses.

Retail
Shops

Specialized plans for local shops and small storefronts across California.

Grocery & Convenience Stores

Flexible policies for small markets and family-run stores.

How We
Deliver Value

Flexible Underwriting

We understand that every business is different. That’s why our underwriting process adapts to the realities of California’s small businesses—no cookie-cutter policies here.

Fast
Turnaround

From quoting to issuing policies and certificates, our streamlined system helps you move quickly—so you can serve your clients without delays.

Risk Management Support

Every policy includes an inspection and a custom risk management booklet to help reduce exposure and keep insurance costs down.

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What Our Partners Are Saying

A few words from the brokers and businesses that trust us.

We've partnered with BAIC for over a decade. They make quoting simple and policy delivery fast—exactly what our clients expect.

Melissa Sanchez,

It’s rare to find a carrier that actually understands the needs of small businesses. Our clients trust BAIC—and so do we.

David Tran

Working with BAIC has made a huge difference for our agency. Fast responses, flexible underwriting, and always available when we need support.

Sarah Kim

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Flexible commercial insurance for restaurants, retailers, and rental properties—built for brokers, trusted by local business owners.