Insurance Services
for Financial Institutions in Lexington, KY
TEJ Agency provides specialized insurance solutions to financial institutions throughout Lexington and Central Kentucky. As a national MGA with more than 50 years of experience, we offer insurance tracking, lender-placed insurance, blanket coverage, and servicing protection for banks and credit unions across Fayette County and surrounding areas. Whether you’re based downtown, near the University of Kentucky campus, or in nearby communities like Nicholasville or Georgetown, our programs are built to help your institution stay protected and compliant.
Supporting Lexington Lenders with Trusted Insurance Solutions
We partner with financial institutions of all sizes—from local credit unions to regional banks—delivering insurance programs that reduce risk and support growth.
We track borrower policies on real estate, vehicles, and equipment loans, helping you identify coverage lapses and maintain regulatory compliance. Our Lexington clients appreciate our responsive support and reporting tools, whether managing loans in Chevy Chase, Hamburg, or downtown.
When borrower insurance lapses or doesn’t meet underwriting requirements, we activate hazard, fire, flood, REO, or auto coverage to protect your portfolio. We tailor each program to meet Kentucky lending regulations and institutional risk standards.
For lenders who want portfolio-wide protection without tracking individual borrower policies, we offer blanket mortgage, auto/VSI, and equipment options. These solutions are ideal for fast-growing lending operations in the Lexington-Fayette metro.
Our E&O programs cover losses caused by clerical mistakes, missed borrower notices, and servicing errors. This protection is especially valuable for institutions with lean internal teams or high-volume loan servicing departments.
Why Lender Insurance Matters in Lexington
Built for Banks and Credit Unions Across the Bluegrass Region
From suburban credit unions in Beaumont to rural lenders in Jessamine and Woodford counties, we adapt our programs to match your footprint.
Ensures Compliance with Kentucky Lending Laws
We support your institution’s compliance with the Kentucky Department of Financial Institutions and federal servicing standards.
Supports Lending Growth Across Urban and Rural Markets
As Lexington’s housing and commercial development expands outward, our solutions scale to support your full portfolio.
Frequently Asked Questions
Do you work with both urban and rural financial institutions around Lexington?
Yes. TEJ supports institutions based in downtown Lexington as well as those serving communities like Winchester, Versailles, and Richmond. Whether you’re a local credit union managing vehicle loans or a regional bank with a growing real estate portfolio, our services can be tailored to fit your size and geographic reach. We understand that rural lending carries different risks than urban portfolios, and we build programs that reflect those differences.
What are the benefits of using blanket insurance in a market like Lexington?
Blanket insurance helps simplify loan servicing by covering your portfolio without tracking individual borrower policies. This is particularly helpful in Lexington, where institutions often lend to a mix of urban homeowners, rural borrowers, and small business owners. With blanket coverage, you can offer flexibility to your members while keeping your collateral protected from uninsured loss. It also reduces administrative strain and eliminates many common compliance concerns tied to borrower policy monitoring.
How does your team support compliance with Kentucky’s regulatory standards?
Our team closely monitors Kentucky-specific lending and servicing regulations, including those issued by the Kentucky Department of Financial Institutions. We also ensure compliance with federal laws such as RESPA and NFIP requirements. For institutions based in Lexington, we provide all required borrower notices, timing documentation, and audit support to keep your servicing team ahead of examiner expectations. Our compliance-forward approach is a key reason why many Kentucky lenders trust TEJ.
We’re a growing credit union in the Lexington area—can we start small?
Absolutely. Many of our clients begin with a single service, such as insurance tracking or blanket auto coverage, and expand as their operations grow. We’ll build a right-sized solution that matches your budget and internal resources. Whether you’re managing loans near Fayette Mall or serving a broader Central Kentucky region, we’ll support you at every stage with scalable, responsive service.
What’s the process for getting started with TEJ in Kentucky?
Getting started is easy. We begin with a discovery conversation to learn about your loan types, internal processes, and current insurance workflow. Then, we design a custom insurance program—tracking, lender-placed, blanket, or E&O—that aligns with your compliance needs and operational goals. Our team will walk you through implementation and remain on hand to support staff training, documentation, and updates as your program evolves.
