TSM Insurance
Healthcare & Medical Insurance
Healthcare is one of the most trusted and essential industries in California. Patients rely on clinics, dental offices, and home health care providers for everything from routine checkups to life-saving care. But while you’re focused on helping others, your practice also faces significant risks—from malpractice claims to employee injuries, property damage, and even auto accidents.
At TSM Insurance, we’ve been protecting local businesses for over 100 years. Our Healthcare & Medical Insurance programs are designed specifically for medical practices of all sizes. Whether you run a small dental office in Modesto, a home health agency serving patients in Redding, or a large clinic in the Central Valley, we provide the protection you need so you can focus on your patients—not on insurance worries.
Insurance Solutions for Healthcare Professionals
The healthcare industry is unique. Your practice doesn’t just need insurance—it needs coverage tailored to the sensitive nature of medical care. Medical professionals face risks that other businesses never encounter, like malpractice claims or HIPAA-related liability. That’s why working with a knowledgeable agency like TSM Insurance is so important.
We design insurance solutions that combine general liability, malpractice protection, property coverage, and workers’ compensation into one comprehensive package. With our local experience and strong relationships with top carriers, we help healthcare professionals across Modesto, Redding, and California safeguard their businesses and their patients.
Who We Cover
Our healthcare insurance programs are built for a wide range of providers:
Clinics
Medical clinics often see hundreds of patients a week. From routine visits to specialized treatments, clinics face liability risks from patient care, employee injuries, and property damage. We provide coverage that keeps your clinic compliant, protected, and ready to serve.
Dental Offices
Dental practices must protect themselves from malpractice claims, staff injuries, and equipment losses. Whether you’re a solo dentist or part of a group office, our policies combine professional liability and general business coverage to meet your needs.
Home Health Care Providers
Home health agencies have unique risks, including employees driving to patients’ homes, handling medications, and providing direct care in private residences. We provide commercial auto, workers’ comp, and liability coverage to keep your agency protected on and off the road.
Why Choose TSM Insurance for Healthcare Coverage?
Not all insurance agencies understand the specific needs of healthcare professionals. At TSM Insurance, we’ve been trusted by California businesses for generations. Here’s why medical practices choose us:
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Specialized Knowledge: We understand malpractice risks, compliance requirements, and patient care exposures.
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Access to Top Carriers: We work with multiple leading insurers to find the best policy for your practice.
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Fast Certificates of Insurance (COIs): If you need proof of coverage for contracts or licensing, we provide same-day COIs.
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Local Experience: With offices in Modesto and Redding, we know the insurance landscape and requirements for California healthcare providers.
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Claims Advocacy: If a claim arises, we stand by you and work with the carrier to ensure a fair resolution.
Coverage Options Available
At TSM Insurance, we provide healthcare and medical practices with the following essential coverages:
General Liability Insurance
Protects your practice from third-party claims of bodily injury or property damage. For example, if a patient slips in your waiting room, general liability helps cover medical bills and legal fees.
Workers’ Compensation
Required in California if you employ staff. Covers medical expenses and lost wages if an employee is injured while working, such as a nurse straining their back lifting a patient.
Commercial Property Insurance
Covers your building, office, medical equipment, and other property against risks like fire, theft, or natural disasters. Dental chairs, X-ray machines, and computers represent major investments worth protecting.
Professional Liability Insurance (Medical Malpractice / Errors & Omissions)
Provides protection against claims of negligence, errors, or omissions in patient care. Even the most skilled professionals can face lawsuits. Malpractice insurance helps cover legal defense and settlements.
Commercial Auto Insurance
For practices with vehicles—such as home health providers transporting staff or medical supplies—this coverage protects against accidents, liability, and damage to your vehicles.
Benefits of Specialized Healthcare Insurance
Healthcare insurance is more than just a requirement—it’s peace of mind. With the right coverage, your practice can:
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Stay Compliant: Meet California legal and licensing requirements for medical practices.
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Protect Your Reputation: Malpractice coverage ensures a lawsuit doesn’t destroy years of patient trust.
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Safeguard Your Property: Keep your building, equipment, and technology protected.
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Support Your Staff: Workers’ comp ensures your employees are cared for if injured.
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Maintain Operations: With coverage in place, one incident won’t force your practice to close its doors.
Get Started
Get a Quote Today
Don’t wait until something goes wrong to find out your practice isn’t protected. At TSM Insurance, we make it easy to secure healthcare insurance tailored to your needs. Whether you operate a clinic in Modesto, a dental office in Redding, or a home health agency anywhere in California, we’ll find the right policy at the right price.
Request your free quote today and let our team design coverage that keeps your patients, employees, and business safe.
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 malpractice insurance required in California?
While not legally required for all providers, malpractice insurance is strongly recommended. Many hospitals and contracts require it.
What does general liability insurance cover for a clinic?
It protects against third-party injuries and property damage—like a patient slipping and falling in your office.
Do dental offices need workers’ compensation?
Yes, if you employ hygienists, assistants, or administrative staff. California law requires workers’ comp for all employees.
Does property insurance cover medical equipment?
Yes. Equipment like X-ray machines, dental chairs, and computers are covered against fire, theft, and other risks.
Can home health providers get commercial auto coverage?
Yes. If employees use vehicles for business, commercial auto is essential because personal auto policies don’t cover work use.
What is the difference between general liability and malpractice insurance?
General liability covers everyday accidents, while malpractice covers errors in patient care or treatment.
How much does healthcare insurance cost?
Costs depend on the size of your practice, number of employees, type of services, and coverage limits.
Can TSM Insurance provide same-day proof of coverage?
Yes. We offer same-day Certificates of Insurance (COIs).
Does malpractice coverage apply to home health care providers?
Yes, professional liability is available for home health agencies and their staff.
Why choose a local agency like TSM Insurance?
We understand California healthcare laws, have strong carrier relationships, and provide hands-on support.
Happy Customers
What Our Clients Say
Running a dental office comes with so many risks. TSM Insurance helped us get coverage that makes sense for our practice. It’s a relief knowing we’re protected.
Dr. Emily S., Modesto, CA
We had a home health care employee injured on the job. TSM Insurance handled the claim smoothly, and everything was resolved without stress.
Jennifer K., Redding, CA
The TSM Insurance team really understands healthcare businesses. They helped us tailor our coverage so we could focus on our patients instead of worrying about insurance.
Dr. Marcus L., Stockton, CA