Business Insurance – Smart Protection for Small Businesses
You’ve invested a lot of time, money and sweat in your small business, so it makes sense to protect that investment with smart insurance coverage. In fact, business insurance should be an essential part of your business operations — a necessity for safeguarding your business assets, your employees and your livelihood.
What coverage do you need?
Business insurance policies come in many forms to cover many needs. Several factors determine what coverage you’ll need and the rate you’ll pay, such as the nature of your business, whether you operate from a commercial building or home office and whether you have employees. Below are the most common types of coverage that small businesses need:
Property insurance: Property insurance covers your buildings, equipment, inventory and other contents.
Liability insurance: If you have customers visiting your business, general liability insurance protects your business in the event a customer is injured on your property. It also pays for your legal defense if you face a lawsuit because your product or service causes harm. If you provide services that could cause others’ financial loss, you also may need professional liability coverage.
Commercial auto: Commercial auto insurance claims can be devastating for businesses that aren’t properly insured. If you or your employees drive company-owned or personally owned vehicles in the course and scope of business, you need commercial auto coverage.
Workers’ compensation: If you have employees, you need workers’ compensation insurance to cover medical expenses and lost wages arising from illnesses or injuries triggered by their work.
Business interruption: If your business is unable to operate because of a covered property loss, business interruption insurance covers lost income during the downtime.
Disability insurance: If you own a small business, a disabling injury or illness could be financially devastating. Several income protection options are available for business owners, including business overhead expense insurance, key person insurance and bank loan disability insurance.
Health: Health insurance is important for you and your employees. And with the federal Affordable Care Act now on the books, it’s important to understand your responsibilities as an individual and as an employer.
Life: If you have family members who rely on your income, life insurance will provide the money they need if you meet an untimely death. In addition, many lenders require you to have life insurance before giving you a business loan.
Don’t leave your business unprotected. When you’re ready to shop for small business insurance, get instant access to top business insurance companies and the most competitive options with us. It’s fast, easy, convenient.
How much can you save on business insurance? Find out today by requesting a free quote
MAPFRE becomes an insurer approved to offer gap coverage for rideshare!
The Department of Insurance has formally approved a filing by San Ramon-based MAPFRE to begin offering gap coverage for rideshare drivers. As a result, the Bay Area’s largest private passenger and commercial automobile insurer says it begin offering gap coverage starting May 1, 2017.
“As a market leader in auto insurance, MAPFRE is committed to providing our customers with innovative products that fit their full lives and evolving needs,” said John Kelly, Senior Vice President, Northeast Region.
“With the growth of ridesharing activity across the state, we know thousands of drivers for companies like Uber and Lyft need appropriate protection. Guided by the leadership of the Governor and Legislature, MAPFRE is proud to be among the first carriers in the Commonwealth to offer an auto insurance endorsement that will help close a potential gap in the coverage available for Transportation Network Company drivers without appropriate coverage. We encourage our customers and agents to discuss this new coverage feature with customers who are active ridesharers.”
With this announcement, MAPFRE becomes a top 3 insurer in California to offer this type of gap coverage to drivers of rideshare companies like Uber and Lyft.
MAPFRE made the formal announcement of this new coverage following the implementation of legislation with respect to the type of coverage rideshare companies and drivers must carry for vehicles used in this capacity. According to Mapfre, the new endorsement “…offers critical coverage to drivers when they turn on a rideshare app and provides protection until they accept a passenger request.”
Our Tracy Team
Together along side other reputable insurance carriers, our team is able to provide you unsurpassed service and choice with all your insurance needs. Call or email us today!
Anniversaries, birthday celebrations, graduation parties, and weddings – these are all special events that celebrate important moments in a person’s life. Planning such an event often involves a lot of time, money, and effort, all in the hopes that everything goes as expected.
Your policy can even help you recover some of the costs if a key vendor of your wedding, such as the caterer, florist, or photographer fails to show up. Additional options for your Special Event Insurance are available and can include coverage for:
Gowns and tuxedos
Theft or damage to gifts
Extended coverage for honeymoon cancellation
Professional counseling if the cancellation of the event causes severe emotional distress
Ensuring that your wedding is protected is an important part of planning for it. Since Special Event Insurance is designed on an individual basis, it’s important to discuss your specific insurance needs with a professional. Contact TCS Insurance Brokers, Inc. today to learn more.
What is included in TCS Insurance event insurance policies?
General Liability coverage starting at $1,000,000 to protect yourself in case a guest is injured or causes damage to property.
Free host liquor liability included on every policy (unless you choose to remove it) and affordable retail liquor available if your selling liquor at your event.
Unlimited Additional Insureds
All of our policies offer unlimited additional insureds (certificates of liability insurance) for free.
Primary Wording (Waiver of Subrogation)
We offer Primary wording as an endorsement to our policy for a small additional premium.
Putting all your eggs in one basket can be super beneficial because of the discounts received, but over time the plan that was great for you can begin to become stale. Meaning that you can be saving on your Auto insurance that renews every 6 months but paying back the savings and then some on the Home insurance your bank pays. Not to mention the over priced Umbrella insurance and Rental Home insurance policies.
What happens when you ask the 1 carrier agent if it’s the best plan for you? – “XYZ Insurance is the best! We give you the best rates in town!” <-(well that’s about all they can say since they can’t give you another option)
Now, how about this for an idea? Having one insurance broker who has access to multiple companies and gives you diversity to help meet your needs. Wihtout comprimising on coverage by offering you true options, and still giving you the savings you deserve!
Here at T.C.S. Insurance, I will be more than happy to take a look at your current policies and show you if there is room for improvement or if I can better your insurance coverage situation.
A former client needed assistance in finding an affordable Auto insurance plan. Due to her Financial Circumstances she could not afford anything above $30 per month. Lapse in insurance coverage, age and recently lapsed drivers license were not helping her already bad sitaution. After hours of research, and even checking other programs not carried by us, I was able to help this elderly woman meet the coverage she desired at a price she could afford.
Although it feels good to make a sale and sales are needed to make a living, it feels even better when I can help someone without expecting anything in return. We do our job as if we are treating a family member and we hold ourselves to higher standard with the goal in mind to give our clients “Total Client Satisfaction”!
My name is Randy Cruz and I look forward to serving your insurance needs, even if it takes for me to refer you out to another carrier.
At T.C.S. Insurance Brokers, Inc. we offer over 26 insurance programs, with coverage ranging from Auto, Home, Commercial, Benefits, Health, Life & Retirement to Specialty & Travel. Most would say that this is a disadvantage because it’s too much to learn about, understand and be able to explain. But we at T.C.S. Insurance believe that in order to serve the purpose of Total Client Satisfaction, there should not be any other alternative. We owe it to our clients to know more than one program and to be able to correctly advise them as to what the pros or cons may be.
Where did this idea come from?
As principle of T.C.S. Insurance Brokers, Inc., I took on the mission of creating an agency that can only function when our client’s needs are 100% met. Regardless if our own agency goals were put aside to accomplish the mission of Total Client Satisfaction.
So, as a group, we have carefully chosen each carrier we want to represent. We have and continue to choose each carrier based on the carrier’s current and past performance.
1. We review how each carrier handles claims. We research what consumers have to say and why they say what they say.
2. We then reach out to other agencies that have contracts with those carriers to see if there are opportunities or deficiencies with the carrier.
3. Eventually we end up interviewing the carrier before signing on and offering their product to our valued clientele.
However, the work isn’t done just yet! We then study each policy contract to fully understand the carrier’s appetite, pros, cons and policy “loop holes” (which can negatively impact our clients). Once we understand and can accurately match a client with carrier and their product, than at that point we can almost call it complete.
It doesn’t stop after we make the sale…..
Once we match the client with the product, we must understand and know what to expect when their is a claim. Becuase the reason one gets insurance is to cover for when the unexcpected happens, right? So that means we MUST know how to handle a claim with each carrier we represent. – And we do!
All too often we hear other insurance agencies say that their clients only buy on price & that their client’s don’tcare about value let alone coverage. – Here at TCS Insurance Brokers we don’t believe that one bit! We know that by providing real advise and by building a good relationship with our clients we have a winning combination. When our clients listen to our advise they pick the rigth carrier and coverage for their unique need. Beyond the great advise we provide we are there when it is time to submit a claim. Our great service and knowledge is what sets us apart from the rest.
Below are four reasons Bay Area & Tracy consumers choose us!
Tired of Paying So Much for your Homeowners Insurance?
We can help! We work with top rated insurance carriers that want to insure your Central Valley Home. Companies like MetLife, Travelers, American Modern, Pacific Specialty, Mapfre, Safeco, Hartford, Golden Bear and Fidelity/Stillwater are looking to offer you the lowest rates available. Work with us and we will beat the current Home Insurance rate that you are currently paying! (of course without lowering or removing any coverage)
TCS Insurance Brokers works for YOU!
As a full service independent insurance agency providing Insurance Services in California. We work for YOU! We partner with a selected group of financially sound, reputable insurance carriers to give you the best service, coverage and pricing available. Call us at (209) 207-0577 & find out why we are named Total Client Satisfaction Insurance Brokers!
We write insurance on Autos, Homes, Small Business, Work Comp & Insurance Bonds too!
New Driver & Young Driver Discounts
New Home Discounts
Educated Worker Discount
Association Discounts for people who work in Engineering, Medical, Law Enforcement, Education, Science, Veterinary, Dentist and lots more!
Better Car Replacement
100 Mile Towing
No Broker Fees
Quote & Buy Online, over the Phone or in Our Local Office
(209) 207-0577 – Hablamos Español
Auto Insurance – Just keep your eyes on the road. We’ve got you covered.
The freedom of the open road comes with the possibility that we might encounter a few bumps along the way. We all need to carry the right coverage to protect ourselves. TCS Insurance Brokers makes it easy to find just the right level of coverage for you, so you can go back to live life.
Home Insurance Products – Protect the place that protects your family
Whether you live in a house, condo or apartment, TCS Insurance Brokers offers a variety of ways to protect the place you and your loved ones call home. With the help from TCS Insurance Brokers, you can combine your home, auto and umbrella policies under one roof for comprehensive coverage at the best rates or with multiple carriers and still get the best deal. – The choice is always yours!
You make your house a home. We as insurance professionals, make sure it’s protected. With your homeowner’s insurance policy through us, you can rest assured your home and its contents are protected to the fullest. You can protect yourself in the event that you’re held responsible for accidents on your property. Choose your own options or let us help you, but sleep soundly knowing we’re there when you need us.
Dwelling Fire Insurance
Dwelling fire insurance provides you with the protection you need for your tenant-occupied properties. We are here to make sure you enjoy just the right amount of coverage at just the right price.
Whether it’s your weekend getaway, your rental condominium or your full-time residence, your condo and the belongings inside need protection, too. We offer great rates on wall-to-wall coverage for your little piece of paradise.
Today, more and more people are renting, and for longer periods. Don’t be one of the many renters who forget the crucial need to insure their belongings against theft, fire and other forms of damage. It’s a remarkably inexpensive form of insurance, but the peace of mind is priceless.
Earthquake insurance is vital when you live in an area where such a catastrophe is a possibility. In fact, all 50 states in the U.S. have experienced an earthquake in the past and have the potential for another, so this coverage is something everyone should consider.
Umbrella Insurance – Saves you on a rainy day
The extra personal liability protection offered through umbrella insurance kicks in when you need more liability coverage than your underlying home or auto insurance policies provide. When you have a lot to lose, the affordable protection provided through an umbrella policy is a very smart choice.
It might start with a pool party at your place. Someone slips and gets hurt. Unfortunately, they decide to sue. And they’re out to get much more than your homeowner’s insurance policy will cover. In today’s world of multi-million dollar settlements, additional liability coverage is no longer a luxury, it’s a prudent and necessary purchase. STAND ALONE UMBRELLA AVAILABLE IN CALIFORNIA
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