The top-rated business insurance agent in Modesto, California is Freeway Insurance, rated 4.9 stars across 891 reviews. Other highly rated options include Cost-U-Less Insurance, SaveDirect Insurance Agency, LLC, Farmers Insurance - Maria (Candy) Melara. This directory lists 21 business insurance agents serving Modesto.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Freeway Insurance | 1300 Sylvan Ave Ste A-3 | (209) 651-0452 |
| 2 | Cost-U-Less Insurance | 123 Burney St | (209) 560-6118 |
| 3 | SaveDirect Insurance Agency, LLC | 1800 Tully Rd G | (209) 857-5877 |
| 4 | Farmers Insurance - Maria (Candy) Melara | 2507 E Hatch Rd Ste B | (209) 556-9946 |
| 5 | Acceptance Insurance | 2045 W Briggsmore Ave Ste A-6 | (209) 375-7112 |
| 6 | The Source Auto Insurance Agency LLC | 822 9th St #1 | (209) 661-7171 |
| 7 | TopFlight Insurance Services | 901 N Carpenter Rd #37 | (209) 622-4622 |
| 8 | TSM Insurance Services | 1317 Oakdale Rd #910 | (209) 524-6366 |
| 9 | Insureone Insurance Solutions | 316 Needham St | (209) 779-0700 |
| 10 | Yeyes Auto Insurance & Tax Agency | 1408 N Carpenter Rd Suite 5 | (209) 500-1881 |
Freeway Insurance serves the Modesto, California metro area as a Business Insurance Agent. It helps local companies secure coverage for general liability, property, and workers’ compensation exposures. The agency works with small and medium businesses across diverse industries, offering personalized risk assessments. The firm also assists professionals with commercial auto policies and business owner’s package plans tailored to their specific operational needs.
Cost-U-Less Insurance in Modesto, California offers a comprehensive range of business insurance agent services, including general liability, property coverage, and workers’ compensation. Their service plans involve reviewing client policies annually to adjust for evolving operational risks and asset changes. Maintenance support includes assisting with claims filing and providing certificates of insurance as needed. The agency regularly services commercial properties such as office spaces, retail storefronts, restaurants, and warehousing facilities.
SaveDirect Insurance Agency, LLC serves Modesto and the surrounding Stanislaus County area as a business insurance agent. The company helps local enterprises secure general liability coverage to protect against common third-party claims. It also assists with commercial property insurance for buildings and equipment. Additionally, the firm provides specialized policies for workers’ compensation and commercial auto insurance to meet legal and operational needs in this region. SaveDirect works with businesses to find suitable commercial umbrella coverage for added protection.
Farmers Insurance - Maria (Candy) Melara provides a range of business insurance services in the Modesto area, including general liability, property coverage, and workers’ compensation. It offers comprehensive policy reviews and regular account maintenance to help ensure coverage keeps pace with evolving business needs. Clients receive ongoing risk management guidance and personalized service tailored to each operation. The agency services a variety of property types, such as single-family homes, apartments, retail spaces, and restaurants.
Acceptance Insurance in Modesto serves homeowners, businesses, and property managers seeking commercial liability, property coverage, and workers’ compensation policies. The agency assists clients in tailoring general liability and business auto insurance to meet local operational needs. With a focus on risk management for small to mid-sized enterprises, it provides straightforward policy guidance and claims support. Its service area also extends to neighboring communities such as Ceres and the greater Stanislaus County metro region.
The Source Auto Insurance Agency LLC in Modesto assists property managers and local business owners with liability and commercial property insurance options. It works with entrepreneurs and companies to assess risk and find appropriate coverage for their specific needs. The agency focuses on simplifying business insurance processes in the Central Valley region. It also serves clients in the nearby city of Ceres and surrounding Stanislaus County communities.
TopFlight Insurance Services serves Modesto, California, and the surrounding Central Valley communities. The agency handles business insurance needs for local enterprises, including coverage for general liability, commercial property, workers’ compensation, and professional liability. It works with clients to understand their specific operational risks and industry requirements. To address a typical assignment, the agency reviews existing coverage gaps, compares options from multiple carriers, and sets up a tailored policy that aligns with each business’s budget and exposure profile.
TSM Insurance Services in Modesto, CA distinguishes between one-time service options for specific coverage needs and recurring service options for ongoing policy management. Their business insurance agent work includes advising on general liability, property, and workers’ compensation protections suited to local enterprises. Coverage assessments help identify risks that standard packages may miss, ensuring policies align with operational demands. This service runs on an as-needed basis, with flexibility to adjust policies when circumstances change.
Insureone Insurance Solutions serves Modesto, California, and the surrounding communities in the Central Valley with commercial risk coverage. The agency handles a broad range of business insurance policies, including general liability, property, and workers’ compensation for local enterprises. To manage a typical job, it begins by assessing the specific operational exposures of each client and then compares multiple insurer options to secure appropriate protection.
What Does a a Business Insurance Agent in Modesto Cost?
Typical costs for business insurance in California vary widely. A small home based business might pay 300 to 800 per year for a business owner policy. A mid sized retail store in Modesto often pays 1000 to 3000 per year for general liability and property coverage. Workers compensation costs average 2 to 5 per 100 dollars of payroll depending on industry class codes. Commercial auto insurance for a single work truck can range from 1200 to 3000 per year. These are general estimates and your actual premium will depend on your specific operations coverage limits and risk profile. This information is general and does not constitute insurance advice.
About business insurance agents in Modesto
Modesto business owners face unique risks from Central Valley agriculture to retail and logistics. A local business insurance agent can help you navigate California specific requirements like workers compensation insurance which is mandatory for all employers. Agents also advise on coverage for crop damage equipment breakdown and liability for food processing operations common in the region.
Frequently Asked Questions
What types of business insurance are required in Modesto California?
California law requires workers compensation insurance for all businesses with employees. Commercial auto insurance is required for any vehicles used for business purposes. Other coverages like general liability are not legally required but are often mandated by landlords or contracts.
How do I find a licensed business insurance agent in Modesto?
You can verify an agents license through the California Department of Insurance website. Look for agents who specialize in commercial lines and have experience with your industry such as farming manufacturing or retail. Local agents in Modesto understand the specific risks of the Central Valley economy.
What factors affect the cost of business insurance in Modesto?
Costs depend on your business type payroll revenue location and claims history. For example a small retail shop might pay 500 to 1500 per year for general liability while a construction company could pay 5000 to 15000 per year. Premiums are also influenced by California minimum coverage requirements and local risk factors like wildfire or flood zones.
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