Insurance Services
for Financial Institutions in Charlotte, NC
At TEJ Agency, we specialize in helping banks and credit unions in Charlotte, North Carolina, manage risk through full-service insurance tracking and lender-placed insurance programs. With more than 50 years of experience as a Managing General Agency (MGA), we understand the regulatory and operational challenges financial institutions face—especially those serving Mecklenburg County and the greater Charlotte metro area. From Uptown Charlotte to Ballantyne and beyond, we’re here to help you protect your portfolio with clarity and confidence.
Trusted Support for Charlotte Credit Unions and Regional Banks
We offer flexible, proven insurance solutions for financial institutions throughout Charlotte and the surrounding areas.
Our team tracks borrower insurance across residential, commercial, auto, and equipment loans—freeing your internal staff from manual follow-ups. Whether you serve South End homeowners or commercial clients near Lake Norman, we help ensure compliance across your portfolio.
When a borrower’s insurance lapses, we quickly provide coverage for hazard, flood, REO, and more. Charlotte-area lenders appreciate our fast turnaround and tailored options—especially as real estate development surges across the metro.
Don’t want to track individual policies? Our blanket mortgage and auto programs are ideal for Charlotte-based lenders seeking simplicity and continuous protection, whether serving urban borrowers in NoDa or agricultural clients in nearby Union County.
From escrow handling issues to clerical oversights, we help protect Charlotte lenders from the risks that come with day-to-day loan servicing. E&O is especially valuable for institutions navigating growing portfolios and new lending programs in fast-growing regions like Steele Creek and North Charlotte.
Why Lender Insurance Matters in Charlotte
Adapts to Charlotte’s Fast-Growing Lending Market
As housing and auto lending expand across the metro, lenders need insurance programs that scale quickly and stay compliant.
Supports Compliance with North Carolina Lending Laws
We understand North Carolina’s regulatory landscape and help lenders meet both state and federal standards with confidence.
Protects Collateral Across Diverse Communities
Whether you’re lending in Myers Park, Matthews, or Mint Hill, our insurance programs are built to match your service footprint and risk profile.
Frequently Asked Questions
Do you work with community banks and credit unions in the Charlotte region?
Yes. We work with a range of financial institutions across Charlotte, including locally chartered banks, federal credit unions, and regional lenders. Our programs are scalable and personalized, whether you serve a few hundred members near Dilworth or thousands of customers across Mecklenburg and Cabarrus counties.
How does flood insurance work for properties in Charlotte and nearby areas?
Certain parts of the Charlotte metro, especially near the Catawba River and tributaries like Little Sugar Creek, fall within FEMA-designated flood zones. Our flood insurance programs—including lender-placed and tracking services—help ensure compliance with NFIP standards. We can also help determine whether flood zone determinations are necessary for your loan portfolio.
Is blanket insurance appropriate for growing urban markets like Charlotte?
Absolutely. Many lenders in Charlotte’s fast-paced housing and auto markets use blanket programs to keep things simple and efficient. Whether you’re financing condos in Uptown or vehicle loans throughout the I-485 corridor, blanket insurance provides continuous coverage without slowing down your operations.
Are your services compliant with North Carolina insurance and lending regulations?
Yes. Our programs are fully compliant with applicable state and federal regulations. We stay up to date on North Carolina Department of Insurance (NCDOI) guidelines and investor servicing requirements, so you can be confident your risk management program meets the standards expected by regulators and auditors.
What’s the first step for a Charlotte-based lender interested in TEJ’s services?
Start by reaching out to our team. We’ll schedule a call to understand your institution’s needs, whether you’re based near SouthPark, UNCC, or across the state line in Rock Hill. From there, we’ll tailor an insurance program—tracking, lender-placed, blanket, or all three—that protects your portfolio and supports your growth.
