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9 hours ago · by · Comments Off on Mapfre Insurance Preferred Agency in Tracy, Merced & Redwood City

Mapfre Insurance Preferred Agency in Tracy, Merced & Redwood City

TCS Insurance Brokers has been selected as a preferred partner by MAPFRE Insurance!

Mapfre continues to offer the most unique coverages and options in the industry, but in order to continue the positive momentum Mapfre decided to select only the top agencies in California to offer it’s products.

As a Mapfre Insurance Preferred Agency in Tracy, Redwood City & Merced, we can offer you the entire host of Mapfre Products! Auto, Home, Life, Umbrella & Commercial. With industry unique coverages such as:

  • Uber & Lyft Driver Coverage – Auto*
  • $50,000 Medical Payments (no other auto insurance carrier can match this!) – Auto*
  • 100 Mile Towing – Auto*
  • New Driver Discounts – Auto*
  • $0 Deductible Glass Coverage – Auto*
  • 100% Building Code Coverage – Home*
  • New Home Discount – Home*
  • Highest Auto Home Discount!
  • New Venture Commercial Coverage
  • Preferred Coverage & Preferred Rates to California Superior Drivers, Home Owners & Business Owners!

Coverage options that are far better than Farmers, Statefarm, Allstate, AAA, Nationwide, Liberty, Safeco, Metlife, Hartford & Travelers.

Who is MAPFRE Insurance?

Who we are

MAPFRE Insurance is a forward thinking insurance company offering friendly service from over 2,000 professionals focused on taking care of you and your family.

Global Presence

MAPFRE Across the Globe – MAPFRE S.A.

Is a multinational group present in 49 countries with more than 38,000 employees

  • Is the number one non-life insurer in Latin America, and one of the top 20 reinsurers in the world
  • Insures over 13.2 million cars and over 5 million homes

Local Focus

MAPFRE in the United States

  • Offers a wide range of insurance solutions for the home, vehicle, life and travel
  • Is the 21st largest Property-Casualty Insurer
  • Is the 19th largest private passenger auto insurer
  • Has a network of more than 4,600 independent agents and brokers
  • Has a presence in 19 states
  • Rated “A” (Excellent) by A.M. Best

Mapfre Claims:

 

 

 

 

Our 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!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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3 days ago · by · Comments Off on How Hurricane Harvey Losses Affect Us

How Hurricane Harvey Losses Affect Us

Numbers are starting to be posted by a few Carriers affected by Hurricane Harvey in Texas….

It appears that more than 500,000 vehicles will be presented as total losses from Harvey.  Some reports forecast that the carriers with the most Personal Auto exposure are State Farm, Farmers, Allstate and Progressive.  State Farm has the largest market share in Texas and there are reports indicating that they will lose some 5 Billion (that with a B) dollars in their Personal Auto portfolio from Harvey alone.   5 Billion dollars in one day, ouch!

S&P Global reports that Allstate has estimated a total of $576 Million in catastrophe losses (excluding Flood) through September 10th related to Hurricane Harvey.  That number is expected to rise considerably. It also reports Progressive has announced a Net loss of $16.8 Million in August.  (Progressive is not listing its estimated losses in total through September yet) 

There is no doubt that these numbers will be compounded once Hurricane Irma numbers start to roll in.

Unfortunately, as in years past, the losses taken by carriers in the gulf will no doubt affect our local markets here in California.    

California is known to be fertile grounds for insurance carriers (high premiums, lots of people).  The frustrating part about all this is that national carriers almost always look to recoup losses on the backs of CA consumers when these catastrophic losses occur in other states. Equally frustrating is the CA Department Of Insurance who allows the carriers to adjust rates in our state to help Insurers recover in places like Texas and Florida. The impact of these catastrophic events will be felt in both Commercial and Personal Lines.

Now here’s a plug for our agency:

Why work with an Insurance Brokerage like ourselves? – We are advocates for each one of our clients. We hold the control over the insurance carriers. Therefore, forcing carriers to offer the best claims service and better rates for well deserving consumers. – Call today and speak with one of our knowledgeable brokers. We look forward to solving your insurance problem!

Our 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!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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6 days ago · by · Comments Off on Business Insurance Fast!

Business Insurance Fast!

Business Insurance – Smart Protection for Small Businesses

Small Business Insurance: Smart Protection 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 contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

 

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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2 weeks ago · by · Comments Off on Registration Services in Tracy

Registration Services in Tracy

Skip the DMV line!

We now offer in house Vehicle Registration services along with our full array of auto insurance options for your convenience. Stop right in and Get Auto Insurance, Transfer a Title, Renew Your Tags, Report a Non-Op, Get  a Duplicate Title or Update Your Registration Information without waiting in a looooong DMV line ever again!

Welcome to TCS Insurance

894 W. 11th. St., Tracy, CA 95376 – (209)207-0577

Get the fast and reliable service your deserve with a smile.

Our Registration Services include:

  • Registration Renewals
  • Transfer of Title
  • Revive Junk & Non-Resident Salvage
  • Salvage Title
  • Junk Title
  • Duplicate Title
  • Nonresident
  • Weight Codes
  • Plate Stickers
  • Plate Replacements
  • Moving Permits
  • Vessel Stickers
  • Commercial Auto Transactions
  • Motorcycle Transactions
  • Anything vehicle related……..

Stop by or call ahead! – (209)207-0577

(If you are already a client, you get preferred service and attention. Many times your paperwork is already ready for pick up! Talk to Karina or Domingo today.)

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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2 weeks ago · by · Comments Off on Mobile Home Insurance from Tracy to Merced CA

Mobile Home Insurance from Tracy to Merced CA

Mobile Home Insurance

Our programs accept all factory-built home, whether it is a single-wide, double-wide, triple-wide, or 2-story modular. Unlike others, we place no age restriction on your home and actually offer you valuable options.

Insuring manufactured homes and mobile homes has been at the heart of our agency’s business model for nearly 11 years.

Manufactured housing is much more varied than years past, but its insurance requirements are still different than a “site-built” home. Our programs are an excellent fit for both the latest modular designs as well as the classic mobile home.

 

Coverage highlights

Comprehensive protection – Your policy covers any cause of loss (fire, lighting, wind, hail, explosion, burst water pipes, and so on) unless that cause is specifically excluded in the policy documents.

Stated value loss settlement – For a total loss, we settle at the state value of your home which is listed on your policy. There is no depreciation deduction. For a partial loss, we pay the actual cash value of the loss, but you can upgrade that to a replacement cost valuation.

Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.

Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.

 

Is your manufactured home not a full-time residence?

Manufactured housing is flexible and so is our program. We have programs for other uses and occupancies.

Rental – The rental program accepts residential and light commercial-use units.

Seasonal – Our seasonal program covers mobile homes that are used just part of the year.

Vacant – A vacant mobile home can be insured through our Vacant program.

Tenant – Renters insurance (HO-4) is an option for renters of a mobile home.

Our 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!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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3 months ago · by · Comments Off on Uber, Lyft, Rideshare Auto Insurance in Tracy, CA

Uber, Lyft, Rideshare Auto Insurance in Tracy, CA

MAPFRE becomes an insurer approved to offer gap coverage for rideshare!Agency Checklists, MA Insurance News, Mass. Insurance News

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!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

 

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5 months ago · by · Comments Off on Car maintenance tips to avoid accidents

Car maintenance tips to avoid accidents

 

Maintenance tips to prevent accidents
To ensure a poorly maintained vehicle doesn’t contribute to an accident, our carrier partner, National General Insurance, put together a few ways you can keep your cars in top condition. Feel free to share this information with your loved ones!

Tires
According to the National Highway and Traffic Safety Administration, 9% of all car crashes in the United States were preceded by some sort of issue with the tires of the vehicle (e.g. tread separation, under-inflation, or blowouts). Properly maintained tires improve gas mileage, stopping ability and handling of the vehicle.

Check the air pressure in your tires (including the spare) at least once a month. This will also give you the chance to check for cracks in the sidewall and the amount of tread on the tires. Rotate your tires every 6,000 miles, or as often as the vehicle’s manufacturer recommends. A periodic alignment of the tires will ensure even wear and extend the life of your tires. Check your owner’s manual for specific information about tire pressure, rotation and alignment.

Brakes
Fewer accidents are completely attributed to failure or degradation of brakes than tires, but poorly maintained brakes still contribute to thousands of accidents every year. When brake pads wear down too far, they can damage the rotors, leading to costly repairs and possible brake failure. Inspect the pads and rotors for wear annually. Take your vehicle in for repairs if you start hearing squeaking or scraping, your vehicle veers to one side or the brake pedal pulses when braking. These are signs of worn brakes and will lead to diminished braking capability.

Windows and lights
Clear visibility gives you the extra time needed to react in an emergency situation. Keep your windows (both inside and outside), mirrors and lights clear of obstructions and as clean as possible. Try to walk around your car once a month to check that all of your lights still work. You should also change your wiper blades every six months, earlier if they begin streaking. If you are having trouble seeing the road at night, there is a possibility that your headlights are out of alignment. Luckily, this is generally a cheap and easy fix.

Fluids
A fluid leak can cause the steering wheel or brakes to stop working or even cause the entire engine to suddenly lock up or overheat. Check the following fluids to keep a vehicle running smoothly and prevent an unexpected mechanical failure while on the road:

  • Engine Oil – Check once a month – Contrary to popular belief, most modern vehicles don’t require an oil change every 3,000 miles. Check the owner’s manual for the recommended frequency. Because oil lubricates all of the moving parts of the engine, if not changed at the recommended interval, the engine could seize and cause catastrophic damage.
  • Brake Fluid – Check during oil change – Typically needs to be changed every two years. If there is a sudden drop in brake fluid levels from a leak, the brakes will no longer work. If unchanged for a long period of time, the entire braking system could be damaged from rust, overheating or corrosion.
  • Power Steering Fluid – Check once a month – Check the owner’s manual, but most models do not require power steering fluid be replaced, but a leak can cause the steering wheel to stop responding.
  • Coolant – Check twice a year – Generally needs to be changed every two to three years. Coolant keeps a car from overheating during the warmer months and freezing during the colder months. Never check coolant levels when the engine is hot.
  • Transmission Fluid – Check once a month – Transmission fluid should be changed according to the manufacturer’s guidelines. Transmission fluid will only be low if there is a leak and should be taken to a mechanic immediately if low in order to prevent damage to the transmission.

In addition to preventing potential accidents, routine maintenance will save thousands in expensive repairs. If your are ever involved in an accident, TCS Insurance’s team will guide you through the entire claim process and help get you back on the road as soon as possible.

 

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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5 months ago · by · Comments Off on Mapfre Insurance Preferred Agency

Mapfre Insurance Preferred Agency

Who is Mapfre Insurance?

Who is TCS Insurance?

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!

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more

5 months ago · by · Comments Off on Special Event Insurance – 1 Day Liability Insurance

Special Event Insurance – 1 Day Liability Insurance

Ensure the Success of Your Big Day

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.

Wedding Insurance

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
General Liability coverage starting at $1,000,000 to protect yourself in case a guest is injured or causes damage to property.
Liquor Liability
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.

SAME-DAY PROOF OF INSURANCE CERTIFICATES

One Day Event Insurance Starting at $100

TCS Insurance Brokers, Inc.

CALL (866)968-8393 / (209)207-0577 

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

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6 months ago · by · Comments Off on Quinceañera Fund

Quinceañera Fund

If you have a daughter or know of someone that has a daughter, it is very likely that there will be a Quinceañera (15) or Sweet 16 celebration for that sweet child. Cost can become astronomical for a custom celebration but getting there doesn’t have to be such a hassle. I can show you how to start putting money away into a Whole Life policy that pays you back and when the times comes you can take out Cash without paying taxes!

Let’s think beyond the celebration and into retirement. What if you could guaranteed your child’s retirement income? With as little as $40 a month for only a limited amount of years, you can do that! The soon the better.

Benefits: Tax Free Cash Accumulation, Guaranteed Insurability & a Benefit to loved ones for the unexpected. – With Dividend Paying life insurance you can finance your own future without the risk that the stock market brings!

Life & Retirement Products Offered: Whole Life, Term Life, Annuity, IRA, 401K Roll Overs & Long Term Care Insurance

Call or email me to set up a free consultation at your convenience.

-Domingo Ramos

Insurance carriers we currently represent:

contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

© 2017 Total Client Satisfaction Insurance Brokers, Inc. All Rights Reserved.
894 W. 11th. St. | Tracy, CA 95376
Questions? Call (209) 207-0577 or (866) 968-8393

Read more