Business Details
Your Trusted Insurance Partner in Folsom, CA
At T.D. McNeil Insurance Services, our focus is on you. As a family-owned and operated insurance agency, we prioritize personal service and understand the unique needs of each client. We represent multiple top-tier insurance companies, offering competitive programs tailored to your specific requirements. Our commitment to transparency ensures honest evaluations of your current insurance coverage, with the goal of saving you money while maintaining quality protection.Founded by Terry D. McNeil, a seasoned risk management professional with over 40 years of industry experience, we provide expert guidance rooted in decades of hands-on expertise. Our team works exclusively for you, not insurance carriers, ensuring your interests remain our top priority.
Services
Auto Insurance
Home Insurance
Commercial Insurance
Boat Insurance
Classic Car Insurance
Condo Insurance
Flood Insurance
Life Insurance
Motor Home Insurance
Umbrella Insurance
Highlights and features
- Family-owned agency prioritizing personalized service and client trust
- Led by Terry McNeil, a risk management expert with 40+ years of experience
- Competitive rates through partnerships with top-tier insurance carriers
- Honest evaluations of existing policies to ensure optimal coverage
- Specialized expertise in commercial, auto, home, and specialty insurance
Services
Auto Insurance
We provide comprehensive auto insurance solutions meeting California's mandatory liability requirements while offering customizable coverage options. Our policies protect against property damage, bodily injury, and uninsured motorists, with discounts available for safe drivers and multi-policy bundling. Our team helps clients navigate coverage limits and deductibles to ensure adequate protection.
Home Insurance
Our home insurance policies safeguard California residents' most valuable assets against common risks like fire, theft, and natural disasters. Coverage includes dwelling protection, personal property replacement, liability claims, and additional living expenses during covered losses. We specialize in tailored policies for both standard and high-value homes.
Commercial Insurance
We offer specialized commercial insurance programs for businesses of all sizes, including general liability, property protection, and industry-specific risk management. Our solutions address workers' compensation, business interruption, and professional liability needs while helping clients maintain compliance with regulatory requirements.
Life Insurance
We provide term and permanent life insurance policies designed to protect families and businesses from financial hardship. Our offerings include customizable death benefits, cash value accumulation options, and policy riders for critical illness or disability coverage.
Umbrella Insurance
Our umbrella insurance policies provide additional liability coverage beyond standard auto and home insurance limits. This cost-effective solution protects against catastrophic claims, covering legal fees, medical expenses, and property damage awards that exceed primary policy limits.
People
Terry D. McNeil
President & CEO
MBA holder with 40+ years in insurance sales, underwriting, and risk management. Former VP at ABM Industries, expert witness in insurance disputes, and U.S. Air Force veteran with Vietnam service experience.
Rich Baker
Executive Vice President
15+ years as insurance broker specializing in personal lines coverage. Focuses on market analysis to secure optimal programs for clients while maintaining prompt, personalized service availability.
Jennifer McNeil Baker
Vice President of Agency Operations
10+ years as commercial lines broker. Expertise in balancing comprehensive coverage with cost-effective solutions for business clients through strategic risk assessment and policy customization.
Elizabeth Rooney
Senior Account Executive
Insurance professional since 2011 with academic credentials from Wheaton College and Yale. Active community volunteer and church member, providing client-focused insurance solutions.
Michael Colenzo
Account Executive
Former hospitality entrepreneur with small business expertise. Combines relationship-building skills and process optimization experience to deliver personalized insurance advisory services.
Questions
What types of insurance do you offer?
We provide auto, home, commercial, boat, classic car, condo, flood, life, motor home, renters, RV, and umbrella insurance policies.
How can you help me save money on insurance?
As an independent agency, we compare multiple carriers to find competitive rates while maintaining quality coverage tailored to your specific needs.
Are you licensed to operate in California?
Yes, we hold California insurance license #0H05099 and serve clients across the state from our Folsom office.
What experience does your team have?
Our team includes professionals with 10-40 years of industry experience, including former risk managers, underwriters, and claims specialists.
Do you offer 24/7 claims support?
While our office hours are Monday-Friday 9AM-5PM, we provide access to carrier 24/7 claims reporting systems for emergencies.
