Houston Business Insurance Experts

Commercial insurance protects the physical and financial foundation of your business. For local business owners, commercial property owners, real estate investors, builders, developers, contractors, and operators, the right coverage is the difference between rebuilding and starting over when losses, lawsuits, property damage, storms, or operational disruptions hit.

We’re built to serve business owners. We provide business insurance guidance for Houston contractors, restaurants, franchises, convenience stores, car washes, home builders, construction companies, manufacturers, service-based businesses, and multi-location operators. Whether you’re starting, expanding, hiring, investing, or protecting what already exists, we help you understand the coverage that supports long-term stability.

Every business owner is also a household. We review and shop home, auto, flood and wind, and umbrella coverage — the personal lines that keep the owner’s own house in order, in the most repriced home-insurance market in America.

For business owners, entrepreneurs, young professionals, and families, life insurance protects income, business continuity, loved ones, and long-term financial security. We compare options and help you choose coverage that supports the people, assets, and responsibilities that matter most.

Your employees keep the business moving. A strong benefits package helps owners attract, support, and retain good people while strengthening the company behind them. We help employers explore benefits options that support both the business and the team.

Mark Rafail brings seventeen years and a team with 150+ years of combined experience to the courtroom. Attorneys and law firms retain Rafail Insurance Agency for expert testimony and consultation on coverage disputes, policy interpretation, agent and broker standards of care, and claims handling. When a case turns on what a policy actually says — and what should have been explained — we read the fine print and tell it straight.