Insuring a Bright Future

Get the right insurance plans for peace-of-mind!



Home & Auto


We have years of insurance experience helping clients prepare for the unknown. Ask about:

  • Home
  • High Valued Homes
  • Umbrellas
  • Auto
  • Fire
  • Flood
  • Earthquake
  • Renters
  • Vacant Property
  • Bad Drivers Welcome
  • SR22
  • Non-ownership Liability
  • Motorcycle
  • RV, Jet SKies, Boats, Travel Trailers
  • Classic Car's

Commercial Auto


When it comes to commercial insurance TCIS has your back.  

Ask about:

  • Commercial Auto
  • Physical Damage
  • Non-Owned & Hired
  • Motor Truck Cargo
  • EPLI
  • General Liability
  • Umbrellas
  • Workers Compensation
  • Owner Operators
  • Fleets
  • Bobtail Liability
  • New Ventures Welcome



Everyone has different insurance needs for their business. 

Ask About:

  • General Liability (all class codes)
  • Property
  • Equipment & Tools
  • Bonds 
  • Business Auto
  • Umbrellas
  • EPLI
  • Workers Comp (all class codes)
  • PEO's & HR Services

What we Write


Auto, Home & Business.....

 We insure the GOOD, the BAD & the UGLY. Are you looking for a new agent that will work for you? TCIS specializes in commercial insurance. Whether you’re a small individual or a large corporation TCIS can help.

We are a family owned and operated agency bringing 18 year’s experience in the commercial insurance industry; striving in customer service. We believe in building long relationships with our clients.

We have Admitted & Non-Admitted carriers with A ratings or better. Clutter Insurance also has all your markets for personal lines too. We have great rates for Auto, Home, Renters & all your Toys!


Our Product List

We offer insurance for the following  products, but not limited to:  

  • Contractor’s (all class codes) 
  • Bonds (dealership, contractors, notary, Janitorial, tax & many more) 
  • Commercial Auto (limits to 2, 000,000) 
  • Workers Comp (all class codes) 
  • Truckers (local & longhaul to 48 States)  
  • Cargo 
  • General Liability (limits to 3,000,000) 
  • Property 
  • Umbrellas (personal and/or commercial) 
  • Earthquake (CEA) 
  • Flood 
  • Vacant Building or Home 
  • Mobile Home Parks 
  • Modular Homes
  • Apartment Buildings 
  • Condos/Townhomes 
  • Shopping Malls 
  • Cannabis Retail & Wholesalers
  • Smoke/Cigarette/Vape Stores
  • Gas Stations 
  • Retail Shops  
  • Garage Liability, Garage Keepers & Physical Damage 
  • Bio Diesel Plants 
  • EPLI 
  • Professional Liability 
  • Cyber Liability
  • E & O 
  • Liquor Liability 
  • Bars/Taverns 
  • Christmas Tree Lots 
  • Gyms 
  • Hotels/Motels 
  • Restaurants, Diners 
  • Parking Garage 
  • Special Event 
  • Personal Auto, Motorcycle, RV, Boat, Travel Trailers & Classic Cars 
  • Home & Renters
  • Bad Driver's, No Licence ok! 
  • Instant SR22
  • High Valued Homes
  • And More!


Stress Less

Let us shop your insurance, so you don't have too!

As brokers we have access to many different insurance products & programs so you can get the right one that works for you.  



Teresa Clutter started her journey in the insurance industry in 1996. In February 2007 she took the plunge and opened her own agency located in Tracy, CA. We are now licensed in 4 States, California, Nevada, Arizona and Texas.

CSR / Personal Lines


Mayra Gonzalez joined our team in March 2018. Mayra has worked in the insurance industry for 12 years and is currently working on her agency license.  Hablo  Español 

CSR / Office Admin


Brittoni Chavez is the daughter of Teresa Clutter. Brittoni has been working beside her mother for 7 years now. She keeps our policies in order and over sees the office. If you need a COI or WOS Brittoni is your girl!

Contact Us

Schedule a Free Review

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We look forward to working with you!

CA0E50327 NV3239456 AZ8186726 TX2374510

Teresa Clutter Insurance Services

1660 W. Linne Rd. Ste J-16 Tracy, Ca 95377

Office: 209-836-0719 Fax: 855-879-4374


Monday - Thursday: 9am - 5:00pm

Friday: 9am-4:45pm

Saturday Closed

Sunday Closed