Rafail Insurance Agency is an independent Houston insurance agency built around business owners and the families behind them. From commercial and business coverage to personal, life, and benefits, we review, explain, and shop your insurance like we own the building — so you can protect what you’ve built and grow with confidence.
Why Choose
Rafail Insurance Agency
Houston has plenty of agencies that quote. “We review.” As independent brokers who run a business too, we read your current policy, go to the market, and tell you plainly: keep it, fix a gap, or let us help. Seventeen years, 6,000+ policies serviced, and two Houston Chronicle “Best Insurance Agency” wins back that promise.
What We Cover
We’re a full-service independent brokerage. Whatever you need, it starts the same way — with an honest review of the coverage you already have. Here’s what we do:
Business owners, commercial property owners, real estate investors, entrepreneurs, and families choose Rafail Insurance Agency for honest guidance, responsive service, and coverage strategies that protect what they’re building.
"Always prompt in returning calls and resolving any issues and questions we may have. Very knowledgeable, polite and caring agents. It' is a pleasure to have them as our agency."
"Rafail Insurance Agency is the golden standard for quality customer service and professionalism. They are responsive, timely, and efficient, but also caring and human. They appreciate that their clients are reaching out to them in a time of need and are extremely sensitive to that fact."
"The Rafail Insurance group has been nothing short of wonderful in my year of being with them! Anytime I called no matter what the question was I always got a prompt and thorough response. Any one I have ever spoken too in the office was most kind and genuinely cared about their clients."
"The best of the best! The Rafail Insurance team is on top of it! They send me reminders if I need them and they are always available when we have questions. I am so happy with all they have done for us! We will continue to use them!"
"Rafail Insurance has been a pleasure to work with in meeting our family's insurance needs by helping out in a timely manner & taking the time to explain the options that were available to us."
Take a look at the team, the community we serve, and the Houston business owners we’re proud to protect. Photos may relate to services and events beyond the ones featured on this page.
Frequently Asked Questions
We read your current policies line by line, map your coverage against your real worst case, and then go to the market to compare your options. You walk away with a plain-language verdict — your coverage is right as-is, there’s a specific gap to close, or we found a way to genuinely help. There’s no cost and no obligation, and if what you have is already the best fit, we’ll tell you to keep it.
No. The review is education first, not a sales pitch. Plenty of our reviews end with “keep what you have.” If we do find a better fit across the markets we shop, we’ll show you exactly why — and the decision is always yours.
Nothing. The honest review is free and carries no obligation. We’d rather earn a long relationship by being useful than charge for a conversation that builds trust.
We focus on business owners across Greater Houston — commercial property owners, real estate investors, contractors and builders, restaurants and franchises, manufacturers, convenience stores, car washes, service-based businesses, and multi-location operators. If you have property, payroll, and something to lose, we can help.
We’re an independent brokerage. That means we’re not tied to a single company’s shelf — we shop a range of respected A-rated carriers and recommend the option that actually fits you, not the one that’s convenient for us.
Yes — that’s the point of one desk for the company and the family behind it. Every business owner is also a household, so we review home, auto, life, and umbrella coverage alongside your commercial lines, especially in today’s repriced Texas home-insurance market.
Your current declarations pages or full policy, if you have them handy. You can upload your current policy right through our contact or appointment form — it’s the fastest way for us to give you a precise, useful review before we even talk.
We do. The same team that reviewed and wrote your policy is the team that helps you navigate a claim — explaining what your coverage will actually do and advocating for you so you can redeem, restore, and rebuild the right way.
Yes. We place term and whole life coverage for owners, professionals, and families, and we help employers build group benefits packages that attract and keep good people while strengthening the business behind them.
Yes. Attorneys and law firms retain Mark Rafail for expert testimony and consultation on coverage disputes, policy interpretation, agent and broker standards of care, and claims handling. Reach out through our contact page to discuss your case.
We read your current policies line by line, map your coverage against your real worst case, and then go to the market to compare your options. You walk away with a plain-language verdict — your coverage is right as-is, there’s a specific gap to close, or we found a way to genuinely help. There’s no cost and no obligation, and if what you have is already the best fit, we’ll tell you to keep it.
No. The review is education first, not a sales pitch. Plenty of our reviews end with “keep what you have.” If we do find a better fit across the markets we shop, we’ll show you exactly why — and the decision is always yours.
Nothing. The honest review is free and carries no obligation. We’d rather earn a long relationship by being useful than charge for a conversation that builds trust.
We focus on business owners across Greater Houston — commercial property owners, real estate investors, contractors and builders, restaurants and franchises, manufacturers, convenience stores, car washes, service-based businesses, and multi-location operators. If you have property, payroll, and something to lose, we can help.
We’re an independent brokerage. That means we’re not tied to a single company’s shelf — we shop a range of respected A-rated carriers and recommend the option that actually fits you, not the one that’s convenient for us.
Yes — that’s the point of one desk for the company and the family behind it. Every business owner is also a household, so we review home, auto, life, and umbrella coverage alongside your commercial lines, especially in today’s repriced Texas home-insurance market.
Your current declarations pages or full policy, if you have them handy. You can upload your current policy right through our contact or appointment form — it’s the fastest way for us to give you a precise, useful review before we even talk.
We do. The same team that reviewed and wrote your policy is the team that helps you navigate a claim — explaining what your coverage will actually do and advocating for you so you can redeem, restore, and rebuild the right way.
Yes. We place term and whole life coverage for owners, professionals, and families, and we help employers build group benefits packages that attract and keep good people while strengthening the business behind them.
Yes. Attorneys and law firms retain Mark Rafail for expert testimony and consultation on coverage disputes, policy interpretation, agent and broker standards of care, and claims handling. Reach out through our contact page to discuss your case.
Let’s Review Your Coverage
Our mission is simple: help you protect and preserve everything you’ve worked to build, and guide you to the right coverage through honest, plain-language conversations. As independent brokers who own a business too, we review, explain, and shop your insurance like it’s our own. Ready to see where you stand? Request your honest review today.
You don’t have to figure out insurance alone. Whether you own a business, manage commercial property, invest in real estate, lead a team, build your career, or protect your family, we’re here to help you compare your options and decide with confidence.
Let’s review your coverage together and make sure your business, assets, people, and future are protected the right way.
