The Coverage Decision Specialists
Smarter coverage decisions. Fewer bad surprises.
Established in 2009, TCDS Insurance Agency exists to combat financial harm caused by poor insurance education and uninformed coverage decisions.
We serve as committed Insurance Advisors, not transactional policy sellers, guiding clients through critical decisions with clarity, transparency, and truth.
Through education, honest counsel, and genuine relationships, we design insurance solutions that protect people when it matters most.
Our mission is simple: to love and serve people by helping them make better coverage decisions before a loss occurs.
TCDS envisions a future where individuals and businesses are protected from preventable financial loss because they were equipped with the knowledge to make informed insurance decisions.
We seek to redefine the insurance experience, moving it away from transactions and toward trust, education, and long-term guidance.
Our vision is to lead the fight against insurance injustice by ensuring every client feels informed, respected, and genuinely protected.
At the core of this vision is a commitment to serving our community with care, integrity, and purpose.
These principles guide every decision we make and every relationship we build.
We act with honesty and transparency in every interaction, earning trust through truthful guidance and ethical decision-making.
We place our clients' needs above convenience or commission, delivering tailored solutions aligned with their real risks and goals.
We maintain the highest standards of professionalism, expertise, and execution in every aspect of our work.
We take ownership of our advice, decisions, and outcomes, and we stand behind every recommendation we make.
We commit to ongoing education and innovation to remain ahead of industry changes and better protect those we serve.
We foster collaboration, mutual respect, and diversity of perspective within our team and with our partners.
We listen first, understand deeply, and serve with compassion, recognizing that insurance decisions affect real lives.
We actively support and engage with our local communities, understanding that our success is tied to their well-being.
We safeguard client information and operate with the highest ethical standards at all times.
We remain flexible in a changing industry while operating responsibly to ensure long-term impact and stability.
At TCDS, we believe insurance is more than policies and premiums—it's about protecting what matters most to the people we serve. Every recommendation, every conversation, every claim is an opportunity to show genuine care for our clients and their families.