Rafail Insurance Agency
Agency overview
About Rafail Insurance Agency
Rafail Insurance Agency is an independent Houston brokerage serving business owners, commercial property owners, real estate investors, entrepreneurs, employers, and families. The agency shops multiple A-rated carriers, reviews existing policies and exposures, and explains options in plain language. Its operating model connects commercial coverage with personal, life, and employee-benefits needs through one team, with annual re-reviews as circumstances change.
At a glance
Agency highlights
Independent market access
The agency shops multiple A-rated carriers rather than representing one insurer.
Policy review process
Reviews assess current policies, real exposures, contracts, and potential gaps.
Annual re-reviews
Coverage is revisited as values, payroll, locations, and operations change.
Shopper fit
Why shoppers might consider Rafail Insurance Agency
The agency may fit Houston-area owners who want one brokerage to examine both company and household risks. Its clearest distinction is detailed commercial review, including contract requirements, workers’ compensation classifications, experience modifiers, property values, and policy coordination across multiple carriers.
Agency support
How this agency can help
Review existing policies
Read current policies and identify overlaps, gaps, or suitable existing coverage.
Translate contract requirements
Check insurance requirements, endorsements, certificates, and additional-insured wording before bidding or signing.
Reassess changing risks
Update coverage when payroll, property values, vehicles, locations, or operations change.
Coordinate owner coverage
Review business and household insurance through one independent brokerage team.
Demonstrated specialties
Where this agency stands out
Contractors and builders
Rafail demonstrates a focus on contractors, builders, and construction companies through recurring industry guidance. Its reviews address builder’s risk, tools and equipment, commercial vehicles, contract requirements, additional-insured wording, waivers of subrogation, and certificates that may determine bidding eligibility.
Workers’ compensation review
For Texas employers, the agency examines subscriber choices, payroll classifications, and experience modifiers rather than treating workers’ compensation as a simple quote. It also connects classification accuracy and mod performance to premiums, contractual requirements, and competitiveness when bidding for work.
Insurance offered
Coverages
Auto insurance
Builder's risk
Business interruption and continuity coverage
Business owner's policy
Commercial auto
Commercial property insurance
Cyber insurance
Employee benefits
Flood insurance
General liability
Hired and non-owned auto
Homeowners insurance
Life insurance
Liquor liability insurance
Professional liability
Renters insurance
Tools and equipment
Umbrella insurance
Wind and hail insurance
Workers’ compensation
Who this agency serves
Clients and risks served
General contractors
Landlords and real estate investors
Manufacturing and distribution
How the agency can help
Services
Class-code review
Contract review
Experience-mod management
Waiver of subrogation support
Where coverage may be placed
Placement options
Private flood
People at this agency
Public professional information associated with the agency.