TSM Insurance
Technology & Startups Insurance
Technology companies and startups operate in a fast-paced, innovative environment. Whether you provide IT services, develop software, or create mobile applications, your business faces unique risks: professional errors, cyber threats, employee injuries, property loss, and liability claims. Protecting your startup or technology firm with the right insurance is essential to maintain operations, safeguard employees, and gain investor and client confidence.
TSM Insurance specializes in Technology & Startups Insurance for businesses across Modesto, Redding, and the Central Valley. Our programs are designed to meet the specific needs of IT services, SaaS companies, and app developers, offering comprehensive coverage tailored to modern tech businesses.
Insurance Solutions for Technology & Startups Professionals
Tech and startup companies encounter risks different from traditional businesses. Data breaches, software errors, intellectual property disputes, and client claims can be costly. Office accidents, equipment damage, or vehicle incidents can also disrupt operations.
TSM Insurance provides tailored insurance solutions combining general liability, professional liability (errors & omissions), workers’ compensation, and commercial property coverage. Our programs help tech companies operate confidently, protecting employees, clients, and business assets while maintaining compliance with California regulations.
With TSM Insurance, technology firms and startups gain a partner who understands both the innovation-driven tech industry and the regulatory landscape in California, ensuring comprehensive protection for all operational aspects.
Who We Cover
TSM Insurance provides insurance for a wide range of technology businesses and startups:
IT Services
IT service providers face liability exposure from errors in network management, software deployment, or client support. Coverage protects your business from claims related to negligence, errors, or omissions in professional services, as well as general liability exposures in office operations.
SaaS Companies
SaaS companies handle sensitive client data and deliver software services online. Coverage protects against professional liability claims, cyber incidents, and property loss for office equipment, servers, or technology assets.
App Developers
App developers face potential claims from software defects, client dissatisfaction, intellectual property disputes, and cyber risks. TSM Insurance provides protection for professional errors, general liability, and business property, helping your company scale safely.
Why Choose TSM Insurance for Technology & Startups Coverage?
TSM Insurance has extensive experience serving California businesses in technology and startup sectors. Here’s why tech companies trust us:
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Tailored Coverage: Policies designed specifically for IT services, SaaS companies, and app developers.
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Top-Rated Carriers: We work with multiple insurers to provide competitive rates and comprehensive coverage.
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Claims Advocacy: If a claim arises, our team guides you through the process to reduce stress and protect assets.
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Fast Certificates of Insurance (COIs): Quickly provide proof of coverage for clients, investors, or contractual requirements.
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Local Expertise: Our Modesto and Redding offices offer deep knowledge of California startup regulations and industry standards.
Coverage Options Available
Technology and startup 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 client or visitor is injured at your office, 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 performing work duties, including IT technicians, developers, and office staff.
Professional Liability Insurance (Errors & Omissions)
Protects tech businesses from claims of negligence, errors, or omissions in professional services. Essential for IT service providers, SaaS companies, and app developers who deliver software or technical solutions to clients.
Commercial Property Insurance
Covers office spaces, technology equipment, servers, and furniture against fire, theft, vandalism, or natural disasters.
Benefits of Specialized Technology & Startups Insurance
Specialized insurance for tech companies and startups helps manage risks while allowing your business to grow with confidence. Key benefits include:
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Protect Critical Assets: Safeguard office spaces, servers, computers, and technology equipment.
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Mitigate Liability: Coverage defends against claims from clients, visitors, or third parties.
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Maintain Business Continuity: Insurance ensures operations can continue if property is damaged or a claim arises.
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Support Employees: Workers’ compensation protects staff performing IT services, development, or administrative tasks.
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Build Investor and Client Confidence: Demonstrates professionalism and risk management to clients, partners, and investors.
Get Started
Get a Quote Today
TSM Insurance makes it simple for technology and startup companies to secure tailored coverage. Whether you operate an IT service firm in Modesto, a SaaS business in Redding, or an app development startup anywhere in California, we can design a policy that protects your employees, assets, and operations.
Request a free quote today and gain peace of mind knowing your technology 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 technology startups in California?
Workers’ compensation is required for employees. Other coverages, like professional liability and general liability, are highly recommended.
What does general liability cover for tech businesses?
It covers third-party injuries or property damage, such as a client slipping in your office.
What is professional liability (errors & omissions) insurance?
Coverage for claims arising from negligence, errors, or omissions in services provided to clients.
Do SaaS companies need professional liability insurance?
Yes, it protects against claims related to software errors, system downtime, or client dissatisfaction.
Does workers’ compensation cover developers and IT staff?
Yes, all employees performing work duties are protected in the event of an injury.
Can TSM Insurance provide proof of coverage quickly?
Yes, Certificates of Insurance (COIs) are available for clients, investors, or contracts.
Does property insurance cover servers and technology equipment?
Yes, office equipment and technology assets are protected against fire, theft, and vandalism.
Why choose TSM Insurance for technology companies?
Local expertise, access to top-rated carriers, fast COIs, and claims support make TSM a trusted partner.
Can insurance help with cyber risks?
While TSM Insurance provides general and professional liability, additional cyber coverage may be available through specialized policies (check with TSM for specifics).
Does insurance help attract investors?
Yes, having proper coverage demonstrates risk management and professionalism, which is often important to investors and clients.
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