TSM Insurance
Construction & Contractors Insurance
At TSM Insurance, we’ve been protecting California businesses for over 100 years. Construction is one of the backbone industries of our communities, and contractors face some of the toughest risks—whether it’s job site accidents, client disputes, property damage, or unexpected weather. Our specialized Construction & Contractors Insurance program is designed to give general contractors, electricians, plumbers, and roofers the coverage they need to keep projects moving and businesses protected.
Insurance Solutions for Construction Professionals
Every project you take on is unique, but the risks you face share common threads. From liability claims and employee injuries to damaged tools and unfinished work due to weather delays, one incident can threaten your livelihood. At TSM Insurance, we work with top carriers to tailor contractor insurance solutions that fit the way you work—whether you run a one-person operation or manage crews across multiple job sites in Modesto, Redding, and beyond.
Who We Cover
Our construction insurance programs cover a wide range of skilled trades. Below are some of the contractor types we specialize in serving:
General Contractors
As the lead on projects, general contractors are responsible for overseeing subcontractors, managing materials, and keeping the site safe. This brings significant liability exposure. We provide coverage that protects you against lawsuits, worker injuries, and property damage so you can focus on completing projects on time and within budget.
Electricians
Electricians face high-risk environments daily—live wires, fire hazards, and complex building codes. Our policies cover liability if faulty wiring causes damage, protect your specialized tools, and ensure compliance with California licensing requirements.
Plumbers
Leaks, burst pipes, or installation errors can lead to expensive property damage. Our contractor insurance for plumbers includes liability protection, workers’ comp for your crew, and coverage for expensive equipment like pipe cameras, trenchers, and soldering tools.
Roofers
Roofing is among the most hazardous construction trades. Falls, weather damage, and fire risks are common concerns. Our specialized roofer insurance solutions provide strong liability coverage, workers’ compensation, and protection for your tools, materials, and vehicles.
Why Choose TSM Insurance for Contractor Coverage?
Choosing the right insurance partner matters. At TSM Insurance, we bring more than just policies—we bring a century of experience serving contractors in California. Here’s why contractors across Modesto, Redding, and the Central Valley trust us:
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Same-Day Certificates of Insurance (COIs): Need proof of coverage to start a job? We deliver COIs quickly so you don’t lose work opportunities.
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Access to 20+ Carriers: We shop multiple top insurers to secure the best coverage and price for your business.
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Claims Advocacy: If an accident happens, our team stands by you and works directly with the carrier to make sure claims are handled fairly and efficiently.
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Local Knowledge: With offices in Modesto and Redding, we understand California’s licensing, bonding, and insurance requirements for contractors.
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Customized Coverage: From solo contractors to large firms, we tailor coverage to your business size, trade, and risk profile.
Coverage Options Available
Our contractor insurance packages combine several essential coverages into one comprehensive program. Depending on your trade, crew size, and project types, we recommend the following options:
General Liability Insurance
This is the foundation of contractor insurance. It covers bodily injury and property damage claims from third parties—for example, if a client trips over tools on your job site or if a wall is damaged during work. General liability is usually required before you can even step foot on many construction sites in California.
Workers’ Compensation
Required by California law for businesses with employees, workers’ comp provides medical and wage benefits if a crew member is injured on the job. Construction injuries can be severe, and without coverage, one claim could devastate your business. We help ensure you stay compliant and your employees are protected.
Commercial Auto Insurance
Your trucks and vans are essential for moving crews, tools, and materials. Personal auto insurance won’t cover accidents that happen while driving for business. Commercial auto policies protect your vehicles, drivers, and cargo from accidents, theft, or damage.
Tools & Equipment Coverage
Lost, stolen, or damaged tools can halt your projects. This coverage protects everything from hand tools to heavy equipment. Whether a ladder is stolen off your truck or a compressor is damaged on site, you’ll have the support to replace it quickly.
Builders Risk Insurance
Construction projects are vulnerable to weather, theft, and vandalism. Builders risk insurance covers buildings and materials while under construction. Whether a storm damages an unfinished roof or someone steals copper wiring, this policy helps you recover and keep the project moving.
Benefits of Specialized Contractor Insurance
Contractor insurance is more than just paperwork—it’s your safety net. With the right coverage, you can:
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Meet Licensing & Project Requirements: Many California projects require proof of insurance before work begins.
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Protect Your Bottom Line: Avoid paying out-of-pocket for lawsuits, injuries, or equipment losses.
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Build Client Trust: Showing proof of insurance demonstrates professionalism and reliability to clients.
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Stay Competitive: Quick access to COIs helps you bid on more projects and win contracts.
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Peace of Mind: Focus on your craft knowing you’re protected against common risks in construction.
Get Started
Get a Quote Today
Don’t wait until an accident happens to discover a gap in your coverage. At TSM Insurance, we make getting insured easy. Request a free quote today and let our local experts design a policy that fits your business—whether you’re a general contractor in Modesto, a roofer in Redding, or an electrician serving the Central Valley. We deliver the protection you need, when you need it.
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.
Is contractor insurance required in California?
General liability isn’t always legally required, but it is often mandated by project owners. Workers’ comp is legally required if you have employees.
How much does contractor insurance cost?
Costs vary depending on your trade, crew size, location, and coverage limits. Small contractors may pay a few hundred dollars annually, while larger firms can pay thousands.
Can I get coverage if I’m a solo contractor?
Yes. Even self-employed contractors benefit from liability and tools coverage. We customize policies for single-person operations.
How fast can I get proof of insurance?
We provide same-day certificates of insurance (COIs) so you don’t lose job opportunities.
Do I need commercial auto if I use my personal truck?
Yes. Personal auto policies don’t cover accidents while driving for business purposes.
What’s covered under builders risk insurance?
It covers materials, equipment, and the building itself during construction against risks like fire, theft, and weather damage.
What if my tools are stolen from a job site?
Tools & Equipment coverage reimburses you so you can quickly replace stolen items and keep working.
Does TSM Insurance cover roofers even though it’s high-risk?
Yes, we have programs specifically tailored to roofing contractors, including liability and workers’ comp.
Can you insure contractors outside Modesto and Redding?
Yes. We serve the broader Central Valley and Northern California region.
How do I start?
Contact TSM Insurance online or call our Modesto or Redding offices for a free consultation and quote.
Happy Customers
What Our Clients Say
TSM really understands contractors. They helped me find coverage for my plumbing business that fits my budge
Lisa M., Stockton, CA
Insurance used to be confusing, but TSM walked me through everything and got my roofing business fully covered.
Kevin T., Modesto, CA
I appreciate how responsive the TSM team is. Anytime I need proof of insurance, they get it to me fast
Carlos M., Redding, CA