About Todd
Todd Conn, CLCS founded TCDS Insurance Agency with a simple mission: provide honest, transparent insurance advice that puts clients' needs first. With over 20 years of experience in the Alabama insurance market, Todd has built a reputation for telling clients what they need to hear—not just what they want to hear.
As an independent agent, Todd represents 10+ insurance carriers, allowing him to find the best coverage and pricing for each client's unique situation. He specializes in helping Alabama families and businesses navigate complex insurance decisions, from understanding tornado and flood coverage to optimizing multi-policy bundles.
In 2023, TCDS Insurance Agency was named **Agency of the Year** by the Alabama Insurance Alliance, recognizing Todd's commitment to client service, community involvement, and ethical business practices.
A Commitment to Alabama Communities
Todd isn't just an insurance agent in Alabama; he's a part of the community. Born and raised in the Birmingham area, he has a deep, personal understanding of the unique challenges and opportunities that come with living in the Heart of Dixie. This isn't just a market to him—it's home. His commitment extends beyond the office, as he actively participates in local events and supports small businesses across Birmingham, Pelham, and Cullman.
This local-first mindset is critical in the insurance world. Todd has seen firsthand the devastation caused by the state's unpredictable weather, from the tornado outbreaks of 2011 to the frequent hailstorms and hurricane risks along the coast. This experience provides an invaluable perspective that national, call-center-based insurance companies simply cannot replicate. He doesn't just read from a script about storm deductibles; he provides practical, battle-tested advice based on decades of helping his neighbors rebuild. This local expertise ensures that the coverage he recommends is not just theoretically sound, but practically applied to the real-world risks Alabamians face every year.
Experience & Credentials
TCDS Insurance Agency
- • Founded independent insurance agency serving Birmingham, Pelham, and Cullman
- • Built agency to 2,000+ active clients and $8M+ in annual premium
- • Established relationships with 10+ top-rated insurance carriers
- • Named 2023 Alabama Insurance Alliance Agency of the Year
Alabama Department of Insurance
- • Property & Casualty Insurance License
- • Life & Health Insurance License
- • Continuing education: 24+ hours annually
- • Specialized training in flood insurance, commercial lines, and risk management
Industry Organizations
- • Member, Independent Insurance Agents & Brokers of America (IIABA)
- • Member, Alabama Insurance Alliance
- • Member, Birmingham Business Alliance
- • Certified Trusted Choice® Independent Agent
Areas of Expertise
Deep knowledge of Alabama-specific risk factors including tornado zones, flood coverage, severe weather impacts, and regional rate variations across Birmingham, Pelham, and Cullman.
Expert at analyzing coverage and pricing across 10+ carriers to find the optimal fit for each client's risk profile, budget, and coverage needs.
Specialized in identifying coverage gaps, assessing risk exposure, and designing comprehensive insurance programs for families and businesses.
Extensive experience guiding clients through the claims process, negotiating with adjusters, and ensuring fair settlements for tornado damage, auto accidents, and liability claims.
Articles by Todd Conn, CLCS
Todd writes extensively about Alabama insurance topics, providing transparent, data-driven guidance to help consumers make informed decisions.
How Much Does Auto Insurance Cost in Alabama?
Independent Agent vs State Farm: Which Is Better?
Is Bundling Home and Auto Actually Cheaper?
Why Online Insurance Quotes Fail in Alabama
When We Tell People to Go Elsewhere
Mistakes People Make Buying Cheap Insurance
Todd's Insurance Philosophy
"Insurance isn't about selling the cheapest policy. It's about making sure you have the right coverage when something goes wrong. I'd rather lose a sale by being honest than win a client by selling them inadequate protection."
Todd's approach is built on three principles:
1. Radical Transparency
Tell clients what they need to hear, even when it costs a sale. If TCDS isn't the right fit, Todd will tell you where to go instead.
2. Education Over Sales
Clients make better decisions when they understand their options. Todd invests time explaining coverage, not just pushing products.
3. Long-Term Relationships
Insurance isn't transactional—it's a relationship. Todd's clients stay with him for decades because he prioritizes their needs over commissions.