Skip to main content Scroll Top
Business Insurance
L

At TCS Insurance Brokers, we evaluate your insurance needs by focusing on the specific risks associated with your company’s operations. Our primary goal is to protect your business from potential financial losses, which include damaged goods, legal liabilities, and worker-related risks that may arise throughout the lifetime of your business.

We can assist businesses at any stage. We offer simple General Liability Insurance for small-scale business owners who are just starting out, and we also provide complex insurance packages for seasoned entrepreneurs. These comprehensive packages can include Excess Liability, Professional Liability, Commercial Auto, and Workers Compensation, ensuring you have a dedicated insurance advocate on your side.

We recognize that the process of obtaining business insurance can seem complex. We want to provide clarity on how we approach protecting your livelihood and why we are the right choice for your needs.
Why Is Business Insurance Necessary?
The answer is straightforward: to protect yourself, your family, and your livelihood. Without the proper insurance, you risk facing long-term financial losses caused by incidents like employee injuries, natural disasters, or legal disputes. Business insurance is essential to safeguard you and your family from the inherent risks of running a business.
How Do I Get My Business Insured?

When securing business insurance, the first step is identifying your primary concerns. We begin by sitting down with you to discuss the issues that are top of mind. Are you worried about meeting lease agreement or contract requirements, employee injuries, theft, or property damage? Once we understand your concerns, we can provide tailored coverage recommendations from regional and national insurance providers we directly represent.

What do I need to get my business insured?

In order to know exactly what you need we first need to ask you a few questions. We take time to sit down with you one on one to discover your business needs. We ask you questions such as; How is the business structured? Sole Proprietor, Corporation, LLC.? What’s your role in the business? What are your business operations? How many people are involved in your business? How much money would you need to re-start your business after a loss? Understanding your unique situation allows us to tailor an insurance solution for you and your business.

Why Information Do I Need to Get My Business Insured?
To determine the exact coverage you need, we ask a few key questions to discover your unique situation. We will ask about:
– Business Structure: Sole Proprietor, Corporation, LLC, etc.?
– Your Role: What is your involvement in the business?
– Business Operations: What services or products do you offer?
– Personnel: How many people are involved in your business?
– Financial Needs: How much money would you need to re-start your business after a significant loss?
Understanding these details allows us to craft a precise insurance solution for your business.
Why choose TCS as your Business Insurance Experts?
It matters who handles the insurance for your livelihood. Our Commercial Insurance Department is led by our agency owner, who has successfully run this business for over 18 years and intimately understands the daily challenges business owners face.
While our owner provides seasoned leadership, our team is composed of veteran insurance professionals, including:
– Marlon Call, “The Insurance Cowboy,” who specializes in ranching and farming risks with over 30 years of experience.
– Anthony Ramos, a startup guru who manages successful ventures and helps new business owners establish coverage.
– Nelia Tabasa, who oversees Filipino small business operations throughout the California Central Valley.
– Domingo Ramos, “Mr. TCS,” who has helped launch several successful businesses over the past 20 years and ensures our direct appointments with top carriers like Hartford, Nationwide-Allied, Chubb, Stillwater-Fidelity, Guard, Travelers, Liberty Mutual, Spinnaker, LIO Insurance, Kinsale, PIE and Kemper.
This team, along with our full service department, is ready to efficiently handle all daily needs, including Certificates of Insurance and billing requests.
We are ready to start protecting your business. Give us a call or send us a text at (209) 207-0577 today.

General Liability Insurance

TCS Insurance Brokers can help ensure your business is fully covered for general liabilities, including claims related to physical injury, property damage, or personal injury.
Our policies are designed to provide affordable and effective general liability business insurance. We offer comprehensive coverage for any third-party damage claims while also providing business owner’s insurance to protect your interests.
We look forward to discussing your specific insurance needs.

Workers Comp Insurance

We want to ensure your business understands the comprehensive coverage offered by a robust Workers’ Compensation policy.
According to our experts, having the right policy in place helps your business achieve several critical goals:
– Coverage for Workplace Injuries: It provides financial support for replacement wages and necessary medical expenses when an employee is injured on the job.
– Death Benefits: If a worker dies, the policy can cover funeral costs and provide benefits to the worker’s family.
– Legal Defense: It can cover legal expenditures should an employee file a lawsuit regarding a work injury, even if the claim falls outside the standard policy coverage.
Please let me know if you have any questions about how this policy applies to your specific business needs.

Surety Bonds

A surety bond represents an agreement between three parties: the Principal, the Surety, and the Obligee.
In this arrangement:
– The Principal (typically the business owner or contractor) is the party required to fulfill a specific obligation.
– The Obligee (often a government entity) is the party requiring the bond as protection against the Principal’s failure to meet their duties.
– The Surety provides a financial guarantee to the Obligee that the Principal will fulfill their obligations.
Essentially, a surety bond acts as a risk transfer mechanism, ensuring compliance with state laws and regulations related to a specific business license, or meeting the terms of a construction contract. It is important to remember that the Surety is extending their credit on behalf of the Principal and will expect full reimbursement if a valid claim is ever paid.
instant General Liability Insurance
Looking for a basic GL policy that won’t break the bank? Click here to quote, browse coverage & purchase a policy within minutes!
GET A QUOTE
General Liability & Workers Comp Insurance
From physical injury, damaged goods, or personal injury, we can help you get covered for all liabilities.
GET A QUOTE
Surety Bonds
Need to Contractor Bond, License Bond, Performance Bond, LLC Bond? Click here to find the lowest priced bonds on the market!
GET A QUOTE
need help?

Our help is just a click away. Contact us and get expert help with your business insurance, general liability insurance or surety bonds.

Contact us