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TCS Insurance Brokers

TCS Insurance was founded in Redwood City, CA by Karina & Domingo Ramos, and made better by the team of awesome people that have joined us since. In 2011 we opened our corporate office in Tracy, CA. During 2012 we recruited top notch talent to help our growing Bay Area clientele. In beginning of 2015 we launched our exclusive training and development program. Focused on educating our clientele on being savvy about insurance. 2016 saw our corporate office support team grow to accommodate Redwood City & Merced operations. In 2017 we expanded and implemented easy to understand innovative insurance & financial service solutions. That included DMV Registration Services. 2018 allowed us to add a dedicated Client Relations Manager to fully support our diverse team and clientele. This 2019 we opened our dedicated Life Insurance Division bringing even more value to our clientele. Join us and see why we are Total Client Satisfaction Insurance Brokers!


2680 North Tracy Boulevard
Tracy, California 95376

Office Hours

  • Monday 08:00 AM - 05:00 PM
  • Tuesday 08:00 AM - 05:00 PM
  • Wednesday 08:00 AM - 05:00 PM
  • Thursday 08:00 AM - 05:00 PM
  • Friday 08:00 AM - 03:00 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“Love love love working with this company…I am self contracted and needed insurance ASAP and they helped me within minutes to get a quote and get my policy going…super happy and will forsure work with them on all my future insurance needs.”
“I was looking for General Liability for my Handyman Construction Business and with a simple call I was able to get coverage right away. They made it Super Simple!!! Thanks !”
“Very helpful when getting me an annual COI for my DJ business. Fast and had it emailed to me within seconds after collecting my info. I appreciate yall so much and will refer you to other fellow DJs and businesses.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

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