⛽ Gas Stations
🏨 Hotels & Motels
💎 Jewelry Stores
🏢 Landlord / LRO
🏪 Convenience Stores
🍷 Liquor Stores
📍 Serving TX · GA · FL · LA & Nationwide

Your Shield
Against the
Unexpected

Over 22 years of Property & Casualty expertise placing coverage for the hard-to-insure risks others turn away — gas stations, hotels, jewelry stores, LRO/landlords, and every mom-and-pop in between.

Get a Quote Now View Specialties
22+
Years P&C Experience
500+
Clients Covered
4
States Licensed
A+
Rated Carriers
Insurance Professional
22+
Years of Experience
About Activo Insurance

We Know Your Business — Because We've Insured It For Decades

At Activo Insurance, we're more than just your broker — we're your risk management partner. Founded on the principle that every small business deserves big-league protection, we've spent over two decades specializing in the commercial risks that other agents turn away.

From the first gallon pumped at a gas station to late nights at a family-owned jewelry store, we understand the unique exposures your business faces every single day. We work with top-rated carriers who are willing to write the risks that matter most to you.

  • Licensed Property & Casualty agent with 22+ years of commercial lines experience
  • Direct access to specialty and surplus lines markets for non-standard risks
  • Bilingual service — we serve both English and Spanish-speaking clients across TX, GA, FL & LA
  • Fast turnaround: most quotes delivered within 24–48 hours
  • Dedicated claims advocacy — we stand by you when it matters most
Get Your Business Covered
Our Specialties

Industries We Protect

We go where others won't. Our deep market relationships allow us to find coverage for high-risk and specialty commercial businesses that major carriers often decline.

Gas Station
Pollution Risk
⛽

Gas Stations

Fuel operations, underground storage tanks, environmental liability & property coverage.

Convenience Store
Specialty
🏪

Convenience Stores

Robbery, stock spoilage, liquor liability, slip & fall, and combined BOP solutions.

Hotel Motel
Hospitality
🏨

Hotels & Motels

Property, general liability, assault & battery, pool liability, and loss of income coverage.

Smoke Vape Shop
Wholesale / Retail
🚬

Smoke & Vape Shops

Product liability for tobacco & vaping products, specialty stock coverage and wholesale distribution.

Jewelry Store
High-Value
💎

Jewelry Stores

Jeweler's block, inland marine, burglary, mysterious disappearance, and showcase coverage.

Cell Phone Store
Retail
📱

Cell Phone Stores

Electronic stock, repair shop liability, employee dishonesty, and equipment breakdown coverage.

Restaurant
Food Service
🍽️

Restaurants & Bars

Liquor liability, food contamination, BOP, workers' comp, and commercial auto for delivery ops.

Mom and Pop Stores
Small Business
🏬

Mom & Pop Retail

Tailored BOP packages for general retail, clothing boutiques, beauty supply, dollar stores and more.

Lessors Risk Only LRO
Lessor's Risk
🏬

Lessor's Risk Only (LRO)

Liability coverage for building owners who lease space to tenants — strip malls, shopping centers, and mixed-use properties.

Personal Insurance

We Also Protect Individuals & Families

Beyond commercial, Activo Insurance offers a full suite of personal lines products — because your family deserves the same expert protection as your business.

Home Insurance
Homeowners
🏠

Homeowners Insurance

Protect your biggest investment. Dwelling, personal property, liability, and additional living expenses coverage — including hard-to-place homes.

Auto Insurance
Auto
🚗

Personal Auto Insurance

Liability, collision, comprehensive, uninsured motorist, and SR-22 filings. We find competitive rates for all driver profiles.

Renters Insurance
Renters
🛋️

Renters Insurance

Affordable protection for your personal belongings and liability — starting as low as a few dollars a month. Perfect for apartment and home renters.

Life Insurance
Life
❤️

Life Insurance

Term and whole life options to protect your family's financial future. We help you find the right coverage amount and carrier for your situation.

Motorcycle Insurance
Motorcycle
🏍️

Motorcycle Insurance

Liability, collision, and comprehensive coverage for motorcycles, scooters, ATVs, and recreational vehicles — on and off the road.

Umbrella Insurance
Umbrella
☂️

Personal Umbrella

Extra liability protection above your home and auto policies. Essential for families with assets to protect — usually just $200–$300/year.

Bundle & Save on Home + Auto

Most clients save 10–25% when they combine their homeowners and auto insurance with the same carrier. Ask us about multi-policy discounts today.

Get Personal Quote
Lines of Coverage

What We Can Write for You

We offer access to a broad spectrum of commercial lines coverage through standard, non-standard, and surplus lines markets.

🏢

Commercial Property

Building, business personal property, sign coverage, and equipment breakdown.

⚖️

General Liability

Premises liability, products & completed operations, personal and advertising injury.

👷

Workers' Compensation

Statutory coverage for all employees including high-risk occupations and multi-state risks.

🚗

Commercial Auto

Business use vehicles, delivery fleets, hired & non-owned auto liability.

🌿

Environmental Liability

Underground storage tanks, pollution liability — critical for gas stations and industrial sites.

💼

Business Owner's Policy

Bundled property + liability for small businesses. Cost-effective and comprehensive.

🔒

Crime & Fidelity

Employee theft, robbery, burglary, computer fraud, and forgery protection.

☂️

Commercial Umbrella

Excess liability protection over your primary policies — essential for higher-risk operations.

🍺

Liquor Liability

Dram shop coverage for businesses that sell or serve alcohol — bars, restaurants, convenience stores.

💻

Cyber Liability

Data breach, ransomware, and POS system attack coverage for retail and hospitality businesses.

🚢

Inland Marine

Mobile property, jeweler's block, contractor's equipment, and goods in transit.

📦

Product Liability

Essential for wholesalers, distributors, and importers of physical goods including tobacco and vape.

Why Choose Activo

The Activo Difference

We don't just sell policies — we build lasting relationships and advocate tirelessly for your business.

  • 01

    Deep Specialty Market Access

    Relationships with E&S carriers and specialty markets mean we can place risks that standard insurers won't touch — gas stations, smoke shops, pawn shops, and more.

  • 02

    22 Years of P&C Expertise

    We've seen nearly every claim scenario in commercial lines. That knowledge translates directly into better policy structures and fewer surprise coverage gaps for you.

  • 03

    Personalized Service

    You're not a policy number here. You get direct access to a senior agent who knows your account, your exposure, and your industry.

  • 04

    Claims Advocacy

    When a loss occurs, we're in your corner — working with adjusters to ensure your claim is handled fairly and promptly so you can get back to business.

Business partnership
Client Testimonials

What Our Clients Say

★★★★★

I've had three other agents before and none of them could get my gas station insured properly. Activo found me a policy that actually covered my USTs. Game changer.

Raj P.
Gas Station Owner, DFW Area
★★★★★

My vape wholesale store was declined by 5 companies. Activo Insurance had a quote for me within 24 hours at a price I could actually afford. Highly recommend!

Miguel R.
Smoke & Vape Wholesaler, Houston TX
★★★★★

When my jewelry store was burglarized, Activo's team guided me through the entire claims process. I was back open in 3 weeks. They really fight for you.

Linda K.
Jewelry Store Owner, San Antonio TX
★★★★★

I own a small strip mall and had been paying way too much for my LRO policy. Activo Insurance shopped it around and cut my premium nearly in half — same coverage, better carrier. Couldn't be happier.

David M.
Strip Mall Owner, Atlanta GA
★★★★★

I bundled my home and auto with Activo and saved over $1,200 a year compared to what I was paying separately. The process was quick and painless — they handled everything. I wish I had switched sooner!

Carmen T.
Homeowner & Auto Policyholder, Houston TX
★★★★★

I didn't know life insurance could also grow as a savings account until Activo explained Universal Life to me. Now I have coverage AND I'm building cash value for my future. Best financial decision I've made in years.

Marcus J.
Universal Life Insurance Client, Dallas TX
Get a Quote

Submit Your Insurance Request

Commercial or Personal — we cover it all. Select your insurance type below and fill out the form. We respond within 24 hours.

Let's Protect Your Business

Gas stations, hotels, jewelry stores, smoke shops, convenience stores, mom & pop retail — we have the specialty markets to get you covered even if you've been declined before.

Complete the form and a senior agent will personally review your submission within 24 hours.

📧 sales@getactivoinsurance.com
📞 (682) 666-0461 — Call or Text
📍 Euless, TX — Serving TX · GA · FL · LA & Nationwide
🕐 Mon–Fri 9:00 AM – 6:00 PM CST

🏢 Commercial Insurance Submission

All fields marked with * are required. We respond within 24 business hours.

Business Information
Contact Information
Coverage Needs
Business Operations
Current Insurance
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Frequently Asked Questions

Common Questions

Can you insure my business if I've been declined before?

Absolutely. We specialize in non-standard and hard-to-place commercial risks. We have access to surplus lines and specialty markets that standard carriers don't offer to retail agents.

How fast can I get a quote?

Most standard commercial quotes are turned around within 24–48 hours. Complex or large-account submissions may take 2–3 business days depending on the carrier's underwriting review.

Do you handle workers' compensation for high-risk industries?

Yes. We can write workers' comp for gas station attendants, convenience store clerks, hotel housekeeping staff, and other occupations that many carriers classify as high-risk.

My gas station has underground storage tanks — can you cover that?

Yes, UST (Underground Storage Tank) liability is one of our core specialty niches. We work with carriers that specifically underwrite petroleum operations including environmental liability.

What information do I need to submit for a quote?

Generally: business name, address, years in business, revenue, ownership details, current coverage (if any), and prior losses. The more info you provide upfront, the faster and more accurate your quote will be.

Do you serve clients outside of Texas?

Yes. In addition to our home base in the DFW Metroplex, we are actively licensed and writing business in Texas, Georgia, Florida, and Louisiana. We also have markets available for select risks in other states — contact us to discuss your specific location and needs.

Licensed & Actively Writing

States We Serve

We are licensed and actively placing commercial & personal lines insurance in the following states — with access to specialty and surplus lines markets in each.

🤠

Texas

Our home state. DFW-based with clients across Houston, San Antonio, Austin, and throughout Texas.

HQ State
🍑

Georgia

Serving Atlanta metro, Savannah, Augusta, and surrounding areas with commercial & personal lines coverage.

Licensed
🌴

Florida

Covering Miami, Orlando, Tampa, Jacksonville and across the Sunshine State for all lines of business.

Licensed
⚜️

Louisiana

Serving New Orleans, Baton Rouge, Shreveport and across the Pelican State with specialty commercial expertise.

Licensed
Get a Quote in Your State
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