Insurance Services
for Financial Institutions in Little Rock, AR
TEJ Agency proudly serves banks and credit unions across Little Rock and Central Arkansas with specialized insurance programs designed to protect loan portfolios and simplify compliance. As a Managing General Agency (MGA) with over 50 years of experience, we offer comprehensive services including insurance tracking, lender-placed insurance, blanket coverage, and loan servicing protection. Whether you serve residential borrowers in Pulaski County or manage commercial lending operations along the I-630 corridor, our services are built to support your growth and manage risk efficiently.
Insurance Programs Tailored to Lenders Across the Ozarks
We work with financial institutions across Little Rock, North Little Rock, and surrounding communities—delivering flexible, compliant, and reliable solutions.
We monitor borrower insurance across real estate, vehicle, and equipment loans. Our team handles documentation, borrower notices, lapse detection, and regulatory reporting—allowing Little Rock lenders to stay focused on serving their members and customers.
When borrower coverage lapses or fails to meet your standards, we place coverage for hazard, flood, fire, REO, or CPI (auto) risks. Our lender-placed policies are built to meet Arkansas lending guidelines while reducing your institution’s exposure to loss.
Ideal for high-volume or rural lending, our blanket mortgage, auto, and equipment policies eliminate the need to track individual borrower policies. These programs offer seamless protection and simplified servicing for lenders throughout Pulaski County and the greater Central Arkansas region.
Mistakes in servicing can be costly. Our E&O programs protect against losses tied to missed notices, escrow handling errors, and other documentation issues—helping Arkansas lenders manage risk more confidently.
Why Lender Insurance Matters in Little Rock
Built for Local and Regional Institutions Across the Metro
From small credit unions near River Market to regional banks serving Saline and Faulkner Counties, we customize our services to fit your institution’s size and reach.
Meets Arkansas Lending and Servicing Requirements
We help ensure your institution remains compliant with Arkansas State Bank Department regulations, investor requirements, and federal servicing laws.
Scales with Lending Growth in Urban and Rural Markets
Whether your loans are concentrated in West Little Rock or stretch out to Pine Bluff and Conway, our programs are flexible enough to cover your full portfolio.
Frequently Asked Questions
How do your services support community banks and credit unions in Little Rock?
TEJ works with financial institutions of all sizes—from neighborhood-based credit unions to multi-branch regional banks. We understand the needs of institutions that serve both urban and rural borrowers, and we build scalable programs to match. Whether your team is located in Midtown, near the Capitol Complex, or in North Little Rock, our insurance solutions help reduce risk, simplify servicing, and keep you compliant.
Are flood insurance and compliance concerns common for Little Rock lenders?
Yes, particularly in areas near the Arkansas River and Fourche Creek where flood risk is elevated. TEJ provides both flood insurance tracking and lender-placed flood coverage to ensure you meet NFIP and investor standards. We also offer guidance on flood zone determinations and policy sufficiency so your institution doesn’t face penalties during audits or servicing reviews.
Can we use blanket insurance for borrowers across both metro and rural counties?
Absolutely. Blanket insurance is an ideal solution for institutions that serve a wide range of borrower types—from auto loans in North Little Rock to real estate lending in neighboring counties like Lonoke or Perry. With blanket coverage, you avoid tracking individual borrower policies while maintaining continuous protection across your entire portfolio. This reduces servicing friction and allows for more consistent risk management across diverse loan types.
What makes TEJ’s compliance support valuable for Arkansas lenders?
Our compliance-first approach means you’re never left guessing about timelines, documentation, or regulatory alignment. We stay current with Arkansas lending laws and ensure our notices, procedures, and coverage options align with state and federal servicing requirements. For institutions concerned about examiner reviews or secondary market obligations, our audit-ready documentation and reporting systems provide peace of mind.
What does implementation look like for a Little Rock-based institution?
We start with a discovery call to learn about your loan types, servicing processes, and internal structure. Then, we develop a program—insurance tracking, blanket coverage, lender-placed insurance, or E&O—that matches your institution’s needs. We work with your operations or compliance teams to integrate smoothly, providing all necessary training, documentation, and ongoing support to ensure a successful rollout.
