If you own a small business, you need to protect your investment with insurance. Ideally, you’ll have multiple policies to fully protect you against lawsuits and much more. If you would like to know more, check out the types of insurance that your small business may need. General Liability Coverage Every business should have general […]

Professional liability insurance is a basic form of insurance that helps protect professionals and their businesses from claims of negligence or mistakes. This type of insurance is a must-have for any professional who wants to safeguard their business against potential lawsuits. Explore the benefits of professional liability insurance and why it is essential for professionals […]

Events like weddings, parties, and conferences have many benefits. Firstly, they bring people together and allow them to create lifelong memories. Companies can also use events like mystery dinners to foster teamwork. Additionally, some entrepreneurs earn revenue from occasions like festivals. Unfortunately, sometimes catastrophic mishaps occur during events and lead to immense losses. Since most […]

Your home is your most significant investment. As such, you likely want to protect it against any potential risks. And while you cannot predict the unforeseen, the least you can do is to have a home insurance policy. Home insurance offers protection against disasters such as fires, theft, and severe weather conditions. However, some homeowners […]

Great article from Frobes talking about the new FEMA Flood Insurnace Rates. Check it out and call us with any questions. “Only those who faced the menace of the encircling and engulfing tide realize the fear that gripped the hearts of every person in the path of the seething wall of water, the most destructive […]

Congress has mandated that federally regulated or insured lenders require flood insurance on mortgaged properties that are located within the 100-year floodplain. The 100-year floodplain can be located on the FEMA Flood Insurance Rate Maps (FIRMs). FIRMs show areas subject to flooding from a primary flooding source — typically major rivers, bayous and their tributaries, […]

Today is day 4 of hurricane preparedness week. With the topic of getting an insurance checkup at the forefront… Mark Rafail, with Farmers Insurance, is here to answer some questions about homeowners and flood insurnace policies. If your costs for rebuilding/ repairing exceeds the amount originally granted to you by your insurance company you can […]

Houston (May 10, 2021) – Rafail Insurance Agency, in partnership with the Community Response Task Force (CRTF), will host an educational meeting and Q&A on flood plain changes and insurance implications at the Atascocita Volunteer Fire Department on May 14th from 1:00 PM – 2:00 PM. CRTF monthly meetings are designed to enhance individual and […]