Insurance Services
for Financial Institutions in Jackson, MS
TEJ Agency partners with financial institutions across Jackson and the state of Mississippi to deliver smart, compliant, and efficient insurance solutions. As a Managing General Agency (MGA) with more than 50 years of experience, we provide tracking, lender-placed insurance, blanket programs, and servicing protection for banks and credit unions throughout the capital region. Whether you’re serving downtown Jackson, Ridgeland, or Flowood, our programs are built to reduce risk and simplify your loan operations.
Supporting Mississippi Lenders with End-to-End Coverage
TEJ works closely with credit unions, regional banks, and independent lenders across the Jackson metro and central Mississippi.
We monitor borrower insurance on homes, vehicles, and equipment across Hinds, Rankin, and Madison Counties. Our full-service tracking covers policy validation, lapse detection, borrower notifications, and audit-ready reporting—helping you stay focused on lending, not paperwork.
When borrower coverage lapses or doesn’t meet your requirements, we place on-demand insurance for hazard, fire, flood, and REO assets. Lenders in Jackson and surrounding towns like Clinton and Pearl trust us to protect their portfolios without delays.
For high-volume or mixed portfolios, we offer blanket mortgage, auto/VSI, and equipment policies. These programs provide uninterrupted protection without the need for borrower-level tracking, making them ideal for lenders serving both urban and rural areas of Mississippi.
Mistakes in escrow handling, borrower communication, or documentation can expose your institution to loss. Our E&O coverage is tailored to help Jackson-based lenders absorb those risks while staying compliant with Mississippi’s regulatory environment.
Why Lender Insurance Matters in Jackson
Supports Compliance with Mississippi Lending Standards
From MDI oversight to federal flood requirements, our programs keep your institution aligned with relevant state and federal regulations.
Protects Portfolios in Flood- and Storm-Prone Areas
Central Mississippi lenders often face increased exposure to weather-related risk. Our insurance solutions offer dependable protection when borrower coverage lapses.
Reduces Administrative Load for Regional Lending Teams
Whether you’re serving borrowers near the State Capitol or in neighboring communities like Byram or Brandon, our services streamline insurance compliance at every step.
Frequently Asked Questions
Do you work with financial institutions across the Jackson metro?
Yes. We support credit unions and banks throughout Jackson, including those headquartered downtown or operating in suburbs like Madison and Flowood. Our services are fully scalable, making them a good fit for both small, community-based lenders and larger regional financial institutions throughout Mississippi.
How do Mississippi flood risks impact lender-placed insurance needs?
Many properties in and around Jackson are located near the Pearl River or in FEMA-designated flood zones. We help lenders meet NFIP requirements and provide lender-placed flood insurance when borrower coverage is canceled or insufficient. Our programs ensure your institution stays compliant and protected—especially during peak storm seasons.
Can I use blanket insurance for our rural lending portfolio?
Absolutely. Blanket insurance is a great fit for lenders with high-volume rural lending operations where tracking borrower policies may not be practical. Whether you serve homeowners in Yazoo County or auto borrowers across multiple parishes, we’ll tailor a blanket program to match your portfolio and risk profile.
What kind of regulatory support do you offer for Mississippi-based lenders?
We stay informed on Mississippi Department of Insurance (MDI) guidelines, as well as federal standards for servicing, notification, and coverage placement. Our programs include compliant timing for notices, recordkeeping, and audit support—so your institution is prepared during reviews or investor oversight.
How do I get started with TEJ Agency if I’m based in Jackson?
We’ll begin with a quick discovery call to understand your current insurance process, loan volume, and risk strategy. From there, we’ll recommend a solution—tracking, lender-placed, blanket coverage, or E&O—that matches your Jackson-area operation. We’re here to help you get the right coverage without adding more to your plate.
