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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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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 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

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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 Under 1 brand or under 1 roof?

Under 1 brand or under 1 roof?

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.
-Monica Mata
 

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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6 months ago · by · Comments Off on To Sell or to Serve?

To Sell or to Serve?

We are more than just insurance brokers

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.

-Randy Cruz

Insurance carriers we currently represent:

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© 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 Advantages & Disadvantages of a Multiple Carrier Brokerage

Advantages & Disadvantages of a Multiple Carrier Brokerage

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!
 -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

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12 months ago · by · Comments Off on 4 Reasons to choose us!

4 Reasons to choose us!

All too often we hear other insurance agencies say that their clients only buy on price & that their client’s don’tOnline Insurance Quotes - TCS Insurance Brokers - (209) 207-0577 (866) 968-8393care 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!

4 Reasons that make us the best!

  1. Ease of Use– When you work with us you do not need to go shopping around. One simple call, email or even a text and we are off to find you exactly what you need without compromising coverage or quality.
  2. Save Time & Money – “Time is Money!” That’s why buying a policy from us is easy and will not be a long, drawn out ordeal. We quote and bind coverage the same day and most of the time within minutes!
  3. Peace of Mind – Our sound advise and the quality carriers we represent help our clients sleep better at night. Our clients know that if something happens we have them covered.
  4. We Grow with You – Here at TCS Insurance Brokers we have insurance programs tailored to fit everyone in our community. From the first time driver, to the homeowner, to the business owner and to the retiring couple looking for financial vehicles to extend their retirement income. We Can & We Do, Do It All!

contact_us_tcs_insurance_brokers_tracy_california_209-207-0577

© 2016 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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1 year ago · by · Comments Off on Home Insurance at $300 per year in Tracy, Mountain House, River Islands Lathrop, Manteca & Modesto

Home Insurance at $300 per year in Tracy, Mountain House, River Islands Lathrop, Manteca & Modesto

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!

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