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
Business Insurance in California
Running a business in California comes with opportunity — and risk. From employee injuries and property damage to lawsuits, cyberattacks, and vehicle accidents, one unexpected event can disrupt operations and threaten everything you’ve built.
Business insurance protects your company from financial loss caused by accidents, legal claims, property damage, and operational interruptions. Whether you operate a small local shop in Modesto, manage a large enterprise in Fresno, or run multiple locations across California, the right insurance coverage ensures your business can continue operating with confidence.
At TSM Insurance, we provide customized commercial insurance solutions for businesses of all sizes across California — including Fresno, Modesto, Stockton, Turlock, Manteca, and beyond.
Business Insurance
What Is Business Insurance?
Business insurance (also called commercial insurance) is a collection of policies designed to protect companies from financial risks related to:
-
Property damage
-
Customer injuries
-
Employee injuries
-
Lawsuits and legal defense
-
Cyber threats
-
Business interruption
-
Vehicle accidents
-
Professional mistakes or negligence
Instead of relying on a single policy, most businesses combine multiple coverages to create a protection plan tailored to their industry, size, and risk exposure.
What Business Insurance Is Required in California?
California law requires certain types of insurance depending on your business structure and operations.
Workers’ Compensation Insurance (Required)
If you have one or more employees, California law requires Workers’ Compensation insurance. This covers:
-
Medical expenses
-
Lost wages
-
Rehabilitation costs
-
Employer liability
Commercial Auto Insurance (Required if Using Vehicles for Business)
If your company owns or operates vehicles for business purposes, you must carry commercial auto insurance.
Surety Bonds (Industry-Specific Requirement)
Certain industries — including contractors and auto dealers — are required to carry bonds to maintain licensing compliance.
Requirements vary depending on your industry and city regulations. TSM Insurance ensures your business meets all California compliance standards.
Common Types of Business Insurance Coverage
Every business has unique risks. Below are the most common coverages used by California companies.
General Liability Insurance
Protects against third-party bodily injury, property damage, and advertising injury claims.
Commercial Property Insurance
Covers buildings, equipment, inventory, and physical assets from damage caused by fire, theft, vandalism, and certain natural disasters.
Business Income Insurance
Replaces lost income if your business is temporarily unable to operate due to a covered event.
Professional Liability (Errors & Omissions)
Protects service-based businesses from claims of negligence, mistakes, or failure to deliver promised services.
Cyber Liability Insurance
Provides coverage for data breaches, ransomware attacks, and cyber-related lawsuits.
Employment Practices Liability (EPLI)
Protects against claims involving wrongful termination, discrimination, harassment, or retaliation.
Directors & Officers (D&O) Insurance
Protects executives and board members from personal liability related to management decisions.
Liquor Liability Insurance
Required for businesses that serve or sell alcohol.
Commercial Auto Insurance
Covers vehicles used for business purposes.
Bonds
Provides financial guarantees required for licensing or contractual obligations.
Business Insurance by Company Size
Small Business Insurance
Small businesses often benefit from a Business Owner’s Policy (BOP), which bundles:
-
General liability
-
Property insurance
-
Business income coverage
This provides cost-effective protection for startups, family-owned shops, freelancers, and growing companies.
We work with small businesses across Modesto, Stockton, Turlock, Manteca, and surrounding communities to build protection plans that fit their budget and growth goals.
Mid-Sized & Growing Businesses
As businesses grow, risk exposure increases.
Additional coverage may include:
-
Cyber liability
-
EPLI
-
Commercial umbrella policies
-
Expanded property limits
Growing companies often require more strategic risk management and layered protection.
Large Business & Enterprise Insurance
Large enterprises face complex operational risks including:
-
Multi-location exposures
-
Large payroll and workers' compensation liability
-
Fleet vehicle operations
-
Executive liability
-
Contractual and regulatory obligations
TSM Insurance designs customized insurance programs for large businesses throughout California, including Fresno, Modesto, and Stockton.
Business Insurance by Industry in California
Different industries face different risks. We provide specialized coverage for:
-
Contractors & Construction
-
Restaurants & Hospitality
-
Auto Dealers
-
Farm & Ranch Operations
-
Transportation & Trucking
-
Retail & Ecommerce
-
Professional Services
-
Real Estate & Property Management
-
Manufacturing & Wholesale
-
Nonprofits
Each industry has unique liability exposures, regulatory requirements, and operational risks. Our team ensures your coverage aligns with your specific business model.
How Much Does Business Insurance Cost in California?
Business insurance costs vary widely based on:
-
Industry risk level
-
Payroll size
-
Annual revenue
-
Number of employees
-
Claims history
-
Coverage limits selected
-
Business location
-
Type of operations
For example, a small retail store will have very different insurance costs than a construction company or auto dealership.
Because no two businesses are the same, we provide customized quotes designed around your exact risk profile and budget.
How the Business Insurance Claims Process Works
If an incident occurs:
-
Report the claim immediately.
-
The carrier investigates the loss.
-
Documentation is reviewed.
-
The claim is approved and payment issued based on policy coverage.
At TSM Insurance, we assist our clients throughout the claims process to ensure smooth resolution and minimal disruption to operations.
Why Businesses Across California Choose TSM Insurance
-
Access to top-tier insurance carriers
-
Customized coverage solutions
-
Industry-specific expertise
-
Responsive claims support
-
Service throughout California
-
Personalized risk analysis
We don’t just sell policies — we build long-term partnerships designed to protect your company’s future.
Our Insurance Carrier Partners
We’ve partnered with trusted, top-tier insurance providers to deliver comprehensive and customizable coverage options. Our network of carriers allows us to match your business with the right protection at competitive rates.
FAQs
Frequently Asked Questions
TSM Insurance FAQs provide helpful answers to common questions about our insurance policies, coverage options, claims process, and policy management, ensuring customers have clear and quick access to essential information.
Do I need commercial auto insurance?
If your business relies on vehicles for operations, commercial auto insurance is essential. Personal auto policies typically do not cover business-related use.
What is a commercial insurance plan?
A commercial insurance plan combines multiple coverages tailored to your business risks, including liability, property, employee coverage, and more.
How much business insurance do I need?
Coverage depends on your industry, revenue, payroll, and contractual obligations. An insurance review helps determine appropriate limits.
Does TSM Insurance only serve the Central Valley?
While we proudly serve Fresno, Modesto, Stockton, and surrounding areas, we provide coverage solutions throughout California.