TSM Insurance

Manufacturing & Wholesale Insurance

Manufacturing and wholesale businesses are vital to California’s economy, but they also face significant risks. Factories, distributors, and warehouses are exposed to property damage, equipment breakdown, employee injuries, supply chain interruptions, and liability claims. Protecting your business with the right insurance is essential to maintaining operations, safeguarding employees, and preserving your financial stability.

At TSM Insurance, we provide comprehensive Manufacturing & Wholesale Insurance solutions for businesses across Modesto, Redding, and the greater Central Valley. Our programs are designed to protect your assets, mitigate risks, and allow you to focus on growing your operations with confidence.

Insurance Solutions for Manufacturing & Wholesale Professionals

Manufacturing and wholesale operations encounter risks unique to their industries. Factories deal with machinery hazards, workplace injuries, and production disruptions. Distributors face inventory damage, shipping risks, and liability exposures. Warehouses must protect property, employees, and goods in storage from fire, theft, or natural disasters.

TSM Insurance provides tailored insurance solutions combining general liability, workers’ compensation, property coverage, and commercial auto protection. Our programs are structured to meet the operational needs of manufacturing and wholesale professionals while maintaining compliance with California regulations.

With TSM Insurance, you gain a partner that understands the complexity of your industry and provides coverage that safeguards your business against unexpected events.

Who We Cover

TSM Insurance offers specialized coverage for a variety of manufacturing and wholesale businesses:

Factories

Factories face risks such as employee injuries, machinery breakdown, and property damage. Our policies protect your facility, equipment, and workforce, ensuring continuity in operations even after unforeseen incidents.

Distributors

Distributors handle large volumes of goods and face exposure to shipping accidents, inventory loss, and third-party liability claims. TSM Insurance coverage helps protect your business during storage, handling, and transportation of products.

Warehouses

Warehouses store valuable inventory and manage logistical operations. Property damage, theft, and liability claims are common exposures. Our insurance solutions protect your assets, employees, and operations from financial loss.

Why Choose TSM Insurance for Manufacturing & Wholesale Coverage?

Choosing the right insurance partner is critical for manufacturing and wholesale operations. TSM Insurance brings decades of experience serving California businesses. Here’s why our clients trust us:

Customized Programs: Insurance designed specifically for factories, distributors, and warehouses.
Top-Rated Carriers: We work with multiple insurers to provide competitive rates and comprehensive coverage.
Claims Advocacy: If a claim arises, our team guides you through the process to ensure fair handling.
Fast Certificates of Insurance (COIs): Quickly provide proof of coverage for clients, contracts, and vendors.
Local Expertise: Offices in Modesto and Redding give us in-depth knowledge of California regulations and industry standards.

Coverage Options Available

Manufacturing and wholesale businesses can access the following essential coverages:

General Liability Insurance

Protects against claims of bodily injury or property damage to third parties. For example, if a visitor is injured at your facility, general liability helps cover medical expenses and legal fees.

Workers’ Compensation

Required in California for businesses with employees. Covers medical costs and lost wages if an employee is injured while working, including injuries from machinery, heavy lifting, or warehouse operations.

Commercial Property Insurance

Covers buildings, equipment, and inventory against fire, theft, vandalism, or natural disasters. Critical for factories with expensive machinery and warehouses storing valuable goods.

Commercial Auto Insurance

For businesses operating delivery vehicles, company trucks, or service vans, this coverage protects against accidents, liability, and physical damage to vehicles.

Benefits of Specialized Manufacturing & Wholesale Insurance

Specialized insurance for manufacturing and wholesale businesses goes beyond basic coverage. With the right policies, your business can:

Protect Physical Assets: Machinery, inventory, and warehouse facilities are safeguarded from damage or loss.
Mitigate Liability: Protect against claims from employees, vendors, and third parties.
Maintain Business Continuity: Insurance ensures operations can continue even after property damage, employee injury, or supply chain disruptions.
Support Employees: Workers’ compensation provides coverage for workplace injuries, supporting staff and avoiding legal penalties.
Build Customer Confidence: Clients trust businesses that are properly insured, enhancing your reputation and reliability.

Get Started

Get a Quote Today

TSM Insurance makes it easy for manufacturing and wholesale businesses to secure tailored coverage. Whether you operate a factory in Modesto, a warehouse in Redding, or a distribution business anywhere in California, we can design a policy that protects your assets, employees, and operations.

Request a free quote today and gain peace of mind knowing your business is fully protected.

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 insurance required for manufacturing and wholesale businesses in California?

Workers’ compensation is required for all employees. Other coverages like general liability and property insurance are highly recommended.

What does general liability insurance cover for factories or warehouses?

It protects against third-party injuries and property damage, including visitor accidents at your facility.

Do distributors need property insurance?

Yes, property insurance protects inventory, equipment, and storage facilities against fire, theft, or natural disasters.

What is workers’ compensation insurance?

It covers medical expenses and lost wages for employees injured on the job.

Does TSM Insurance provide commercial auto coverage?

Yes, for trucks, delivery vans, or company vehicles used in operations.

How much does manufacturing insurance cost?

Premiums vary depending on business size, number of employees, coverage limits, and property value.

Can TSM Insurance provide proof of coverage quickly?

Yes, same-day Certificates of Insurance (COIs) are available for contracts, clients, or vendors.

Does property insurance cover machinery breakdown?

Certain policies include coverage for equipment, protecting operations from costly repairs or replacement.

Why choose TSM Insurance for manufacturing and wholesale businesses?

Local expertise, access to top-rated carriers, fast COIs, and comprehensive claims support make TSM a trusted partner.

Can this insurance protect against supply chain disruptions?

Business interruption coverage can help replace lost income if operations are delayed due to covered events.

Happy Customers

What Our Clients Say

TSM helped protect our warehouse and operations. I feel secure.

Michael J., Modesto, CA

Equipment was damaged in a storm. TSM handled the claim quickly.

Susan P., Redding, CA

They get manufacturing and wholesale. Coverage is right for our business.

David L., Stockton, CA