TSM Insurance

Real Estate & Property Management Insurance

The real estate industry is one of California’s most dynamic sectors, with professionals ranging from agents and brokers to landlords and property managers. While the potential for income is significant, so are the risks: property damage, liability claims, tenant disputes, employee injuries, and unforeseen legal issues. Proper insurance is essential to protect your business, your clients, and your financial future.

At TSM Insurance, we provide comprehensive Real Estate & Property Management Insurance solutions for professionals across Modesto, Redding, and the broader Central Valley. Our programs are designed to protect your assets, mitigate risk, and allow you to focus on growing your real estate business.

Insurance Solutions for Real Estate Professionals

Real estate professionals face unique risks that require specialized coverage. Property managers and landlords must protect physical assets and rental income, while agents and brokers must safeguard against liability claims stemming from professional services.

TSM Insurance provides tailored solutions that include general liability, property protection, workers’ compensation, and professional liability options. Our programs ensure that whether you manage a single property, a portfolio, or a brokerage, your business is covered against the most common exposures in real estate.

By working with TSM Insurance, you get insurance programs designed to meet the demands of California’s real estate market while staying compliant with state regulations and industry standards.

Who We Cover

TSM Insurance offers specialized coverage for a variety of real estate professionals, each with unique needs:

Agents

Real estate agents interact directly with buyers and sellers, making them vulnerable to professional liability claims, property-related disputes, and general liability exposures. Our policies provide protection for claims related to negligence, errors, or omissions in professional services.

Brokers

Brokers oversee agents, manage transactions, and often hold escrow or trust funds. They face higher levels of responsibility and liability. Our programs ensure that both the business and its staff are protected against legal claims and property-related risks.

Landlords

Owning rental property brings exposure to property damage, tenant injuries, and legal disputes. Landlord insurance covers buildings, liability claims, and loss of rental income due to covered events, helping maintain financial stability.

Property Managers

Property managers handle multiple properties on behalf of owners, increasing potential liability. Coverage protects against claims from tenants, property owners, and third parties, while safeguarding assets and income streams.

Why Choose TSM Insurance for Real Estate Coverage?

Choosing the right insurance partner is critical in the real estate industry. TSM Insurance brings decades of experience and a deep understanding of California’s market. Here’s why real estate professionals trust us:

Tailored Programs: Insurance designed specifically for agents, brokers, landlords, and property managers.
Top-Rated Carriers: We work with multiple insurers to provide the best coverage options at competitive rates.
Claims Advocacy: In the event of a claim, our team helps manage the process efficiently and fairly.
Fast Certificates of Insurance (COIs): Quickly provide proof of coverage for leases, clients, or business transactions.
Local Expertise: Our Modesto and Redding offices provide on-the-ground knowledge of California regulations and market conditions.

Coverage Options Available

Real estate and property management 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 tenant or visitor is injured on a managed property, this coverage helps pay for medical bills and legal defense.

Workers’ Compensation

Required in California for businesses with employees. Covers medical expenses and lost wages if an employee is injured while performing work duties. This includes property managers, maintenance staff, and administrative employees.

Commercial Property Insurance

Covers physical property, including office space, buildings, and equipment, against fire, theft, vandalism, or natural disasters. For landlords, this includes buildings and certain fixtures.

Professional Liability Insurance (Errors & Omissions)

Protects real estate professionals from claims related to mistakes, negligence, or omissions in professional services. This is critical for agents, brokers, and property managers dealing with contracts, transactions, or client advisement.

Commercial Auto Insurance

For businesses that operate vehicles for property management or real estate activities, coverage protects against accidents, liability, and vehicle damage.

Benefits of Specialized Real Estate Insurance

Real estate insurance is not just about compliance—it’s about protecting your business, reputation, and income. With the right coverage, professionals can:

Safeguard Assets: Protect properties, office equipment, and vehicles from damage or loss.
Mitigate Liability: Coverage helps defend against legal claims from clients, tenants, or third parties.
Ensure Business Continuity: Insurance helps maintain operations if a property is damaged or a claim arises.
Support Employees: Workers’ compensation protects staff in case of injuries.
Build Client Confidence: Clients and tenants trust professionals with proper insurance coverage.

Get Started

Get a Quote Today

Don’t leave your real estate or property management business exposed to unnecessary risks. TSM Insurance makes it easy to secure comprehensive coverage tailored to your needs. Whether you are an agent, broker, landlord, or property manager in Modesto, Redding, or anywhere in California, we can create a policy that protects your business and assets.

Request a free quote today and gain peace of mind knowing your real estate operations are 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 real estate professionals in California?

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

What does general liability insurance cover for property managers?

It covers third-party injuries or property damage, such as a tenant slipping on a walkway.

Do landlords need property insurance?

Yes, property insurance protects rental buildings, fixtures, and equipment against fire, theft, or natural disasters.

What is professional liability insurance for real estate agents and brokers?

Coverage for errors, omissions, or negligence in professional services, including contract advice or property representation.

Do property managers need workers’ compensation?

Yes, any employees managing properties or performing maintenance tasks must be covered under California law.

Does TSM Insurance provide commercial auto coverage?

Yes, coverage protects vehicles used for property management or real estate activities.

How much does real estate insurance cost?

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

Can TSM Insurance provide proof of coverage quickly?

Yes, we provide same-day Certificates of Insurance (COIs) for client contracts, leases, or business transactions.

Does professional liability cover mistakes made in property transactions?

Yes, it helps cover claims related to errors, omissions, or negligence during real estate transactions.

Why choose TSM Insurance for real estate businesses?

Our local expertise, access to top carriers, fast COIs, and claims support make us a trusted partner for California real estate professionals.

Happy Customers

What Our Clients Say

TSM Insurance made protecting my rental properties stress-free. I know my tenants and assets are covered.

Amanda H., Modesto, CA

When a tenant caused accidental damage, TSM guided me through the claim fast. Everything was handled smoothly.

Brian F., Redding, CA

Managing multiple properties is stressful enough. TSM helped me find coverage that fits perfectly without overpaying.

Stephanie K., Stockton, CA