The issue of home insurance is frequently questioned when renting a house. Is it mandatory to have insurance in a rental house? Who pays the insurance, the owner or the tenant? What coverages should this insurance have (or should have)? In summary: as a tenant, do I have to insure my rented house? Whether as […]

The end of the winter season can inspire you to clean your house thoroughly, speed up your exercise routine and start working on your lawn and garden. It is also a good time to buy flood insurance. Even if you do not live in an area prone to flooding, you could find some areas of […]

Many restaurant owners may not consider important to have good insurance coverage, but the right insurance agent can work as a partner for your business by recommending coverage that reduces typical restaurant risks. There are health, safety and disaster risks that can easily destroy your business if you do not protect your restaurant using safe […]

Mark Rafail came from humble beginnings. The Houston, Texas-native was raised by parents who had immigrated to the United States from Egypt making Rafail a first-generation American. From an early age, Rafail was taught a strong work ethic by his mother and father, and it is that diligence that has helped him become one of […]

We like to review physicians’ medical malpractice, business, and workers’ compensation insurances with our clients who own a medical company. Why? A simple error in the workplace can cost business owners thousands of dollars in addition to the possibility of business closure. Do you own a medical business? You may want to consider purchasing one […]

Today, more Americans have employer-provided life insurance than have individual life insurance – six million more Americans, to be exact. Sounds like amazing news, right? While this LIMRA statistic sounds good, it hides a handful of crucial facts you should know: If you have employer-provided life insurance, it’s likely not enough. Even though most employer-provided […]

More than 80 percent of Americans agree that most people need life insurance to protect loved ones from experiencing financial loss; so, why is it that 40 percent of Americans haven’t purchased life insurance or explored more protective plans? Life insurance may not be on everyone’s radar, but for most, it should be; according to […]

Mark Rafail sat on a panel with Kellie Geitner of Martha Turner Sotheby’s Real Estate. Kellie had the largest residential transaction in Houston history at $42,000,000! What an honor to sit with her and the other panelists to discuss personal, commercial and flood insurance.