Business Insurance
Business Insurance Coverage.
Auto dealers insurance is designed to protect businesses that sell vehicles, covering risks related to vehicle inventory, test drives, property damage, and liability. This insurance typically includes liability coverage for accidents involving customer vehicles, as well as damage or theft of the vehicles on the lot. Having the right auto dealers insurance is essential for safeguarding both the business and its customers. At TSM Insurance, we help auto dealers find affordable, comprehensive coverage tailored to their unique needs, ensuring full protection.
Bonds provide businesses with financial protection and assurance by guaranteeing performance, compliance, or payment obligations. They are especially important for industries like construction, finance, and professional services, where clients or regulatory bodies require a guarantee of trust and reliability. Bonds ensure that your business meets contractual and legal commitments, protecting both you and your clients. TSM Insurance helps businesses secure tailored bond solutions to meet industry requirements and reduce financial risk.
Business liability insurance provides protection against claims of injury or damage caused by your business operations, products, or services. It covers legal costs, medical expenses, and other liabilities if a third party is harmed due to your business activities. This insurance is crucial for mitigating risks and safeguarding your company’s financial health. TSM Insurance offers customized liability insurance options, ensuring your business is fully covered at competitive rates.
Commercial auto insurance covers vehicles used for business purposes, protecting them against accidents, theft, and damage. This insurance is essential for companies that rely on cars, trucks, or vans for their operations, whether it’s for deliveries, transporting employees, or customer visits. Commercial auto insurance helps ensure that your vehicles are covered for repair or replacement in case of an incident. TSM Insurance offers tailored commercial auto insurance plans, providing coverage for your fleet and individual vehicles at affordable rates.
Commercial property insurance protects your business's physical assets such as buildings, equipment, inventory, and furniture against risks like fire, theft, vandalism, and natural disasters. Whether you own your office space, lease a storefront, or operate from a warehouse, this coverage is essential to keep your operations running smoothly in the face of unexpected events. Commercial property insurance helps cover the cost of repairs or replacements, minimizing downtime and financial loss. TSM Insurance offers customized commercial property insurance plans designed to fit your unique business needs at competitive rates.
Contractors insurance protects businesses in the construction industry from risks such as property damage, liability, and accidents on job sites. It typically includes general liability, workers’ compensation, and equipment coverage. Contractors face unique risks, and having the right insurance ensures that projects are protected from unforeseen circumstances. TSM Insurance offers specialized contractor insurance plans to help protect your business, employees, and clients from potential liabilities.
Cyber liability insurance covers the financial losses resulting from data breaches, hacking, or cyber-attacks. It protects businesses against the costs of data recovery, legal fees, and damages resulting from the exposure of sensitive information. With increasing digital threats, cyber liability insurance has become essential for companies handling customer data. TSM Insurance offers affordable cyber liability insurance options that help protect your business from cyber risks, keeping your operations secure.
Directors and Officers (D&O) insurance protects company leaders from claims related to their decisions and actions while managing a business. It’s essential for executives, board members, and company officers who may face lawsuits alleging mismanagement, breaches of duty, or regulatory non-compliance. D&O insurance ensures that leadership is protected from costly legal claims and personal financial risk. TSM Insurance helps businesses secure tailored D&O insurance to safeguard their executives and support confident decision-making.
Errors and Omissions (E&O) insurance protects businesses and professionals from claims of inadequate work or negligent actions. It’s especially important for service-oriented businesses, such as consultants, accountants, and lawyers, who may face lawsuits alleging mistakes or failure to deliver services as promised. E&O insurance ensures that your business is protected from costly legal claims. TSM Insurance helps businesses secure tailored E&O insurance to safeguard against professional liability and reduce financial risk.
Employment Practices Liability Insurance (EPLI) protects businesses from claims related to wrongful employment practices, such as discrimination, harassment, wrongful termination, and retaliation. It’s especially important for businesses of all sizes, as employees or job applicants may file lawsuits alleging unfair treatment, workplace misconduct, or failure to uphold employment laws. EPLI ensures that your business is protected from costly legal claims. TSM Insurance helps businesses secure tailored EPLI coverage to safeguard against employment-related liability and reduce financial risk.
Farm and ranch insurance provides coverage for agricultural operations, including crops, livestock, farm equipment, and property. It helps protect businesses from natural disasters, accidents, and other risks that could disrupt operations. This specialized insurance also covers liability for accidents that occur on the property. TSM Insurance offers affordable farm and ranch insurance solutions tailored to the needs of agricultural businesses, ensuring protection for both land and livestock.
Landlord liability insurance protects property owners from legal and financial responsibility for injuries or accidents that occur on their rental properties. This includes coverage for tenant injuries, property damage, and other potential liabilities. Landlords face significant risks when renting properties, and having the right insurance is crucial for protecting their investments. TSM Insurance provides customized landlord liability insurance, ensuring protection for rental properties and peace of mind for landlords.
Liquor liability insurance is essential for businesses that serve or sell alcohol, covering risks related to alcohol consumption, including accidents, injuries, or property damage caused by intoxicated customers. This coverage is vital for restaurants, bars, or event venues that sell alcoholic beverages. Liquor liability insurance helps protect your business from costly lawsuits and liabilities. TSM Insurance offers affordable liquor liability insurance solutions, ensuring your business is covered while serving alcohol.
Restaurant insurance offers protection for restaurants against a wide range of risks, including property damage, liability, foodborne illness, and employee injuries. It’s a comprehensive policy that covers the unique needs of the restaurant industry, helping businesses recover from unexpected events. Restaurant insurance helps protect both your establishment and customers. TSM Insurance specializes in finding the best restaurant insurance coverage, offering affordable solutions tailored to your restaurant’s specific needs.
Workers' compensation insurance provides coverage for employees who are injured on the job, covering medical expenses, rehabilitation, and lost wages. It also protects employers from lawsuits related to workplace injuries. This insurance is mandatory in most states and is essential for businesses that have employees. TSM Insurance helps businesses secure workers compensation insurance, ensuring both your employees' safety and your business’s compliance with legal requirements.
Business Insurance
TSM's Premier
Partnered
Insurers
Our Business Insurance Providers
We’ve partnered with trusted, top-tier insurance providers to give you the most comprehensive and customized coverage available. From liability insurance to property protection, our network ensures you receive solutions tailored specifically to your business needs.
At TSM Insurance, it’s not just about policies—it’s about building partnerships that prioritize your business’s financial future and well-being.
Business Insurance
Commercial Insurance Solutions for Small & Large Businesses
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Business Insurance
Large Business Insurance in California
Managing a large business comes with great responsibility and significant exposure to risk. At TSM Insurance, we specialize in offering custom insurance solutions for large-scale enterprises throughout California including Fresno, Modesto, and Stockton.
We deliver comprehensive coverage including Auto Dealer's Insurance, Landlord Liability insurance, Business Liability Insurance, and more! We safeguard your business on every front. Whether you’re protecting physical assets, employees, or operations, our expertise ensures your enterprise is fully covered.
Business Insurance
Small Business Insurance in California
Small businesses are the backbone of our economy, and TSM Insurance is here to help them thrive. Whether you’re the owner of a family shop, a freelance consultant, or a growing startup, our insurance solutions are tailored to fit your specific needs and budget. Whether you're based in Modesto, Stockton, Turlock, Manteca, or surrounding areas, we've got you covered.
Our offerings include tailored liability coverage, Workers’ Compensation, Business Income Insurance, and even Liquor Liability Insurance for eligible businesses. We focus on providing personalized service, offering expert advice to ensure your small business remains protected from potential setbacks.
FAQs
Frequently Asked Questions
TSM Insurance FAQs provide quick answers to common questions about TSM Insurance services, coverage options, claims process, policy details, and customer support, helping clients understand their insurance plans better.
Do I need commercial auto insurance?
If your business relies on vehicles for operations, commercial auto insurance is essential. It covers liability, damage, and injuries caused during business-related trips. Unlike personal policies, it’s specifically designed to protect your business from unexpected vehicle-related risks.
What does commercial insurance mean?
Commercial insurance protects businesses and their operations from various risks, such as property damage, liability claims, and employee injuries. It ensures that your company can recover financially from unforeseen events without straining your resources.
What is a commercial insurance plan?
A commercial insurance plan is tailored coverage that combines several insurance policies to address specific risks your business may face. It typically includes liability, property, and employee-related coverage, among others, depending on your industry and needs.
Does commercial auto insurance cover personal use?
Generally, commercial auto insurance covers business-related travel. However, personal use may not be included unless specifically outlined in the policy. Be sure to clarify this with your agent to avoid any coverage gaps.
How do I get started with TSM Insurance?
Getting started is easy! Click here and fill out a brief form. One of our experts will reach out to understand your business needs and provide tailored coverage options.
Does TSM Insurance only work within California’s Central Valley?
While we're proud to serve businesses in the Central Valley, our reach extends across California and beyond. Wherever your business operates, we're equipped to help.