COMMERCIAL INSURANCE
Smart, flexible coverage to
keep your business running smoothly.
COMMERCIAL INSURANCE
Smart, flexible coverage to
keep your business running smoothly.
Commercial Insurance That Actually Works for Real Businesses
30 Years of Protecting What You've Built. 50+ Top-Rated Carriers. Zero Nonsense.
Your business isn't cookie-cutter, so why should your insurance be? At TOR Insurance Services, we don't just sell policies—we architect protection strategies for businesses that actually make money and want to keep it that way.
What Makes Us Different? We Specialize Where Others Generalize.
For Contractors & Trades: We're the endorsed broker for the Hispanic Arborist Association and have partnered with CLCA for over 20 years. Our exclusive Landscape/Tree Contractor Program delivers 5MM aggregate coverage with pollution and professional liability—that's 5x better than the standard 2MM most agencies offer.
For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.
Real Protection for Real Problems:
Property & Equipment: Your tools, vehicles, buildings, and inventory protected against fire, theft, weather, and vandalism.
Business Interruption: Lost income coverage when operations halt—because bills don't stop when business does
General Liability: Legal claims, customer injuries, property damage—we've got your back
Workers' Compensation: Medical costs and lost wages for injured employees (required in most states)
Commercial Auto: Fleet coverage that actually covers your drivers and cargo
Cyber Liability: Data breaches and cyber attacks cost businesses $4.45M on average—are you covered?
Professional Liability: Errors & omissions protection for service-based businesses
Licensed in 15+ States. Relationships with 50+ A-Rated Carriers.
We don't just find you insurance—we find you the RIGHT insurance at the RIGHT price. Our team has over 70 years combined experience, and we've been operating from the same Fullerton location for 40+ years. That's stability you can bank on.
Ready to Protect What You've Built?
Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required.
Because your business deserves insurance that works as hard as you do.
What does
commercial insurance actually cover?
30 Years of Protecting What You've Built. 50+ Top-Rated Carriers. Zero Nonsense.
Your business isn't cookie-cutter, so why should your insurance be? At TOR Insurance Services, we don't just sell policies—we architect protection strategies for businesses that actually make money and want to keep it that way.
What Makes Us Different? We Specialize Where Others Generalize.
For Contractors & Trades: We're the endorsed broker for the Hispanic Arborist Association and have partnered with CLCA for over 20 years. Our exclusive Landscape/Tree Contractor Program delivers 5MM aggregate coverage with pollution and professional liability—that's 5x better than the standard 2MM most agencies offer.
For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.
Real Protection for Real Problems:
Property & Equipment: Your tools, vehicles, buildings, and inventory protected against fire, theft, weather, and vandalism.
Business Interruption: Lost income coverage when operations halt—because bills don't stop when business does
General Liability: Legal claims, customer injuries, property damage—we've got your back
Workers' Compensation: Medical costs and lost wages for injured employees (required in most states)
Commercial Auto: Fleet coverage that actually covers your drivers and cargo
Cyber Liability: Data breaches and cyber attacks cost businesses $4.45M on average—are you covered?
Professional Liability: Errors & omissions protection for service-based businesses
Licensed in 15+ States. Relationships with 50+ A-Rated Carriers.
We don't just find you insurance—we find you the RIGHT insurance at the RIGHT price. Our team has over 70 years combined experience, and we've been operating from the same Fullerton location for 40+ years. That's stability you can bank on.
Ready to Protect What You've Built?
Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required.
Because your business deserves insurance that works as hard as you do.
Commercial Insurance That Actually Works for Real Businesses
30 Years of Protecting What You've Built. 50+ Top-Rated Carriers. Zero Nonsense.
Your business isn't cookie-cutter, so why should your insurance be? At TOR Insurance Services, we don't just sell policies—we architect protection strategies for businesses that actually make money and want to keep it that way.
What Makes Us Different? We Specialize Where Others Generalize.
For Contractors & Trades: We're the endorsed broker for the Hispanic Arborist Association and have partnered with CLCA for over 20 years. Our exclusive Landscape/Tree Contractor Program delivers 5MM aggregate coverage with pollution and professional liability—that's 5x better than the standard 2MM most agencies offer.
For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.
Real Protection for Real Problems:
Property & Equipment: Your tools, vehicles, buildings, and inventory protected against fire, theft, weather, and vandalism.
Business Interruption: Lost income coverage when operations halt—because bills don't stop when business does
General Liability: Legal claims, customer injuries, property damage—we've got your back
Workers' Compensation: Medical costs and lost wages for injured employees (required in most states)
Commercial Auto: Fleet coverage that actually covers your drivers and cargo
Cyber Liability: Data breaches and cyber attacks cost businesses $4.45M on average—are you covered?
Professional Liability: Errors & omissions protection for service-based businesses
Licensed in 15+ States. Relationships with 50+ A-Rated Carriers.
We don't just find you insurance—we find you the RIGHT insurance at the RIGHT price. Our team has over 70 years combined experience, and we've been operating from the same Fullerton location for 40+ years. That's stability you can bank on.
Ready to Protect What You've Built?
Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required.
Because your business deserves insurance that works as hard as you do.
What does
commercial insurance actually cover?
30 Years of Protecting What You've Built. 50+ Top-Rated Carriers. Zero Nonsense.
Your business isn't cookie-cutter, so why should your insurance be? At TOR Insurance Services, we don't just sell policies—we architect protection strategies for businesses that actually make money and want to keep it that way.
What Makes Us Different? We Specialize Where Others Generalize.
For Contractors & Trades: We're the endorsed broker for the Hispanic Arborist Association and have partnered with CLCA for over 20 years. Our exclusive Landscape/Tree Contractor Program delivers 5MM aggregate coverage with pollution and professional liability—that's 5x better than the standard 2MM most agencies offer.
For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.
Real Protection for Real Problems:
Property & Equipment: Your tools, vehicles, buildings, and inventory protected against fire, theft, weather, and vandalism.
Business Interruption: Lost income coverage when operations halt—because bills don't stop when business does
General Liability: Legal claims, customer injuries, property damage—we've got your back
Workers' Compensation: Medical costs and lost wages for injured employees (required in most states)
Commercial Auto: Fleet coverage that actually covers your drivers and cargo
Cyber Liability: Data breaches and cyber attacks cost businesses $4.45M on average—are you covered?
Professional Liability: Errors & omissions protection for service-based businesses
Licensed in 15+ States. Relationships with 50+ A-Rated Carriers.
We don't just find you insurance—we find you the RIGHT insurance at the RIGHT price. Our team has over 70 years combined experience, and we've been operating from the same Fullerton location for 40+ years. That's stability you can bank on.
Ready to Protect What You've Built?
Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required.
Because your business deserves insurance that works as hard as you do.
Commercial Insurance That Actually Works for Real Businesses
30 Years of Protecting What You've Built. 50+ Top-Rated Carriers. Zero Nonsense.
Your business isn't cookie-cutter, so why should your insurance be? At TOR Insurance Services, we don't just sell policies—we architect protection strategies for businesses that actually make money and want to keep it that way.
What Makes Us Different? We Specialize Where Others Generalize.
For Contractors & Trades: We're the endorsed broker for the Hispanic Arborist Association and have partnered with CLCA for over 20 years. Our exclusive Landscape/Tree Contractor Program delivers 5MM aggregate coverage with pollution and professional liability—that's 5x better than the standard 2MM most agencies offer.
For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.
Real Protection for Real Problems:
Property & Equipment: Your tools, vehicles, buildings, and inventory protected against fire, theft, weather, and vandalism.
Business Interruption: Lost income coverage when operations halt—because bills don't stop when business does
General Liability: Legal claims, customer injuries, property damage—we've got your back
Workers' Compensation: Medical costs and lost wages for injured employees (required in most states)
Commercial Auto: Fleet coverage that actually covers your drivers and cargo
Cyber Liability: Data breaches and cyber attacks cost businesses $4.45M on average—are you covered?
Professional Liability: Errors & omissions protection for service-based businesses
Licensed in 15+ States. Relationships with 50+ A-Rated Carriers.
We don't just find you insurance—we find you the RIGHT insurance at the RIGHT price. Our team has over 70 years combined experience, and we've been operating from the same Fullerton location for 40+ years. That's stability you can bank on.
Ready to Protect What You've Built?
Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required.
Because your business deserves insurance that works as hard as you do.
What does
commercial insurance actually cover?
30 Years of Protecting What You've Built. 50+ Top-Rated Carriers. Zero Nonsense.
Your business isn't cookie-cutter, so why should your insurance be? At TOR Insurance Services, we don't just sell policies—we architect protection strategies for businesses that actually make money and want to keep it that way.
What Makes Us Different? We Specialize Where Others Generalize.
For Contractors & Trades: We're the endorsed broker for the Hispanic Arborist Association and have partnered with CLCA for over 20 years. Our exclusive Landscape/Tree Contractor Program delivers 5MM aggregate coverage with pollution and professional liability—that's 5x better than the standard 2MM most agencies offer.
For Large Operations: When your premiums hit $500K+ and you have minimal claims, captive insurance solutions can save you serious money. We specialize in sophisticated risk management strategies that most brokers never touch.
Real Protection for Real Problems:
Property & Equipment: Your tools, vehicles, buildings, and inventory protected against fire, theft, weather, and vandalism.
Business Interruption: Lost income coverage when operations halt—because bills don't stop when business does
General Liability: Legal claims, customer injuries, property damage—we've got your back
Workers' Compensation: Medical costs and lost wages for injured employees (required in most states)
Commercial Auto: Fleet coverage that actually covers your drivers and cargo
Cyber Liability: Data breaches and cyber attacks cost businesses $4.45M on average—are you covered?
Professional Liability: Errors & omissions protection for service-based businesses
Licensed in 15+ States. Relationships with 50+ A-Rated Carriers.
We don't just find you insurance—we find you the RIGHT insurance at the RIGHT price. Our team has over 70 years combined experience, and we've been operating from the same Fullerton location for 40+ years. That's stability you can bank on.
Ready to Protect What You've Built?
Call (855) 867-0002 or get your quote online. We handle everything by phone—no office visits required.
Because your business deserves insurance that works as hard as you do.
Customer Reviews
Jason C
They are very thorough and such a pleasure to work with.
Stephen B
Awesome people doing an outstanding job to help with insurance.
Zuzette A
Very knowledgeable and patient which are definitely a plus!
Customer Reviews
Jason C
They are very thorough and such a pleasure to work with.
Stephen B
Awesome people doing an outstanding job to help with insurance.
Zuzette A
Very knowledgeable and patient which are definitely a plus!
Customer Reviews
Jason C
They are very thorough and such a pleasure to work with.
Stephen B
Awesome people doing an outstanding job to help with insurance.
Zuzette A
Very knowledgeable and patient which are definitely a plus!
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© 2025 TOR Insurance Services, Inc. All rights reserved
Stay in touch
© 2025 TOR Insurance Services, Inc. All rights reserved
Stay in touch
© 2025 TOR Insurance Services, Inc. All rights reserved