Our Services
Helping lenders stay protected, compliant, and confident.
TEJ Agency offers specialized insurance solutions designed to help financial institutions manage risk, ensure compliance, and simplify operations. Whether you’re tracking policies, placing coverage, or protecting your loan servicing process, our team delivers reliable, responsive support every step of the way.
Insurance Tracking
We monitor borrower insurance on your behalf, flag lapses, and keep your loan portfolio protected. Available for both real estate and titled collateral, our full-service tracking gives you transparency and peace of mind—without overwhelming your internal team.
Lender-Placed Insurance
When a borrower’s policy is missing, canceled, or insufficient, we provide on-demand coverage to protect your institution’s interest. Options include hazard, flood, fire, wind, REO, and auto coverage—customized to match your loan types and risk profile.
Blanket Insurance Options
Blanket programs eliminate the need to monitor individual borrower policies. We offer solutions across both real estate and non-real estate lending.
Loan Servicing & Compliance Protection
Even with strong systems, servicing errors can happen. Our specialized coverage helps shield your institution from administrative mistakes and regulatory challenges.
What financial institutions ask us most.
What’s the difference between insurance tracking and lender-placed insurance?
Insurance tracking is the process of monitoring whether your borrowers maintain valid insurance on their collateral (homes, vehicles, equipment, etc.). If a lapse is detected, we notify the appropriate parties and offer guidance. Lender-placed insurance, on the other hand, is the actual coverage we provide when a borrower fails to maintain insurance. Tracking is the “watchdog,” and lender-placed coverage is the “safety net.”
How do blanket insurance programs work?
Blanket insurance eliminates the need to verify individual borrower insurance. Instead, a blanket policy covers your entire portfolio (or a segment of it, like condos or titled equipment). These programs reduce administrative burden, simplify compliance, and provide continuous protection—especially valuable for lenders with high-volume or diversified loan types.
Do your services work for both real estate and non-real estate loans?
Yes. We provide tracking and coverage solutions for both real estate-secured loans (residential, commercial, condos) and non-real estate collateral such as vehicles, heavy equipment, or other titled assets. Many of our clients use both, depending on the types of loans they offer.
What makes TEJ different from other providers?
We combine over 50 years of lender insurance experience with personalized, hands-on service. Our team is small enough to know your name but experienced enough to handle complex portfolios. We also offer proprietary tools and systems (like JetTrack) that give clients more visibility and control, without adding friction to their process.
How do I know which services are right for my institution?
Every lender is different, and that’s exactly how we approach it. Whether you need full tracking support, just a blanket policy, or a mix of services, we’ll walk through your goals and risks with you to recommend the right program. Our goal is to protect your institution in a way that’s smart, efficient, and scalable.
