TSM Insurance
Retail & E-Commerce Insurance
Running a retail or e-commerce business comes with unique risks. From property damage and inventory loss to cyber threats and liability claims, one unexpected incident can have a significant financial impact. Whether you operate a local storefront, an online store, or a franchise location, you need insurance that protects your business and keeps you focused on growth.
At TSM Insurance, we’ve been protecting California businesses for over 100 years. Our Retail & E-Commerce Insurance programs are tailored to meet the needs of brick-and-mortar shops, online sellers, and franchise operations across Modesto, Redding, and throughout California.
Insurance Solutions for Retail Professionals
Retailers face a wide range of exposures—slip-and-fall accidents, theft, property damage, and cyber risks are just a few examples. E-commerce businesses face additional challenges such as online fraud, shipping damage, and data breaches.
TSM Insurance offers insurance solutions designed specifically for retail professionals. Our policies combine property protection, liability coverage, and business interruption insurance, giving you the confidence to serve customers, manage inventory, and grow your brand without worrying about unexpected losses.
Who We Cover
We provide coverage for a variety of retail operations:
Brick-and-Mortar Shops
Physical stores face risks such as property damage from fire, vandalism, or natural disasters, as well as liability claims if customers are injured on-site. TSM Insurance covers these risks so your storefront stays protected.
Online Sellers
E-commerce operations need protection against cyber risks, shipping losses, and liability related to online transactions. Our insurance solutions help online sellers manage risks while building trust with their customers.
Franchises
Franchise owners face unique obligations to both franchisors and customers. Our programs provide coverage for property, liability, and other business-specific risks, helping franchisees stay compliant and protected.
Why Choose TSM Insurance for Retail Coverage?
Choosing the right insurance partner matters. TSM Insurance brings decades of experience serving California retailers and e-commerce operators. Here’s why our clients trust us:
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Tailored Coverage: Policies customized for retail stores, online sellers, and franchise operations.
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Access to Leading Carriers: We shop with multiple insurers to ensure you get the best coverage at competitive rates.
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Fast Certificates of Insurance (COIs): Quickly provide proof of insurance for leases, vendors, and contracts.
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Local Expertise: Offices in Modesto and Redding give us in-depth knowledge of California insurance regulations.
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Claims Support: Our team assists with the claims process to protect your business and reputation.
Coverage Options Available
Retail and e-commerce businesses can access the following essential coverages:
General Liability Insurance
Protects your business from claims of bodily injury or property damage caused to third parties. For example, if a customer slips in your store, this coverage helps cover medical costs and legal fees.
Workers’ Compensation
Required in California for businesses with employees. Covers medical expenses and lost wages if an employee is injured while working, whether in a physical store or warehouse.
Commercial Property Insurance
Covers your storefront, warehouse, or office and the contents inside, including inventory, furniture, and equipment, against fire, theft, vandalism, and natural disasters.
Business Interruption Insurance
Helps replace lost income if your retail operation is forced to close temporarily due to a covered event, such as a fire or storm.
Commercial Auto Insurance
For businesses that operate delivery vehicles, this coverage protects against accidents, liability, and physical damage to vehicles.
Benefits of Specialized Retail Insurance
Retail and e-commerce insurance goes beyond basic protection—it’s about maintaining business continuity and customer trust. With the right coverage, you can:
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Protect Your Store or Online Business: Safeguard inventory, property, and equipment.
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Stay Compliant: Meet legal and contractual requirements, including lease agreements or franchisor requirements.
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Reduce Financial Risk: Avoid costly out-of-pocket expenses from accidents, lawsuits, or property damage.
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Build Customer Confidence: Customers feel safer doing business with insured and reputable retailers.
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Focus on Growth: With coverage in place, you can concentrate on serving customers and expanding your business.
Get Started
Get a Quote Today
Don’t wait until an unexpected incident threatens your retail or e-commerce operation. TSM Insurance makes it easy to get tailored coverage quickly. Whether you run a brick-and-mortar shop in Modesto, an online store serving California, or a franchise location in Redding, we can design a policy that fits your business needs.
Request a free quote today and protect your business, employees, and customers.
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 retail insurance required in California?
Certain coverages like workers’ compensation are required if you have employees. General liability and property coverage are highly recommended.
What does general liability insurance cover for a retail store?
Injuries to customers, property damage, and legal defense costs if you are sued.
Do online sellers need commercial property insurance?
Yes, to protect inventory and equipment stored in warehouses or offices.
Does TSM Insurance cover franchise-specific risks?
Yes, our programs can be tailored to meet both franchisor and franchisee requirements.
Do retail businesses need workers’ compensation?
Yes, for all employees working on-site or in operations supporting the business.
What is business interruption insurance?
Coverage that replaces lost income if your store or e-commerce operation is temporarily closed due to a covered event.
Can TSM Insurance provide proof of coverage quickly?
Yes, same-day Certificates of Insurance (COIs) are available for leases, vendors, or contracts.
Does commercial auto insurance apply to delivery vehicles?
Yes, it protects your vehicles and drivers while operating for business purposes.
Are online sellers covered for shipping losses?
Certain policies include protection for inventory in transit—TSM can tailor this coverage.
Why choose TSM Insurance for retail businesses?
Local expertise, access to top carriers, fast COIs, and comprehensive claims support make us a trusted partner.
Happy Customers
What Our Clients Say
Opening my online store was stressful enough, but TSM Insurance made protecting my business simple. I feel confident knowing my products and operations are covered.
Sarah P., Modesto, CA
We had a break-in at our shop. TSM Insurance processed the claim fast, and we were back in business before the weekend
Alex G., Redding, CA
TSM really listens. They helped me get the right coverage for my franchise store and explained everything in plain language. I finally feel secure.
Linda M., Stockton, CA