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

The Agent Gas Station & Hotel Owners Call
When Everyone Else Says No.

Gas Stations · Hotels · LRO · Convenience Stores · Smoke & Vape Shops · Jewelry Stores

Been turned down by other carriers? We've spent 22 years building relationships with the markets that cover exactly these businesses — in Texas, Georgia, Florida & Louisiana.

ACTIVO INSURANCE — getactivoinsurance.com · (682) 666-0461 · Licensed TX, GA, FL, LA · Founded by Sohail Bashir

"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
✅ 22+ Years P&C Experience
|
✅ Independent Agent — We Shop 20+ Carriers
|
✅ Hard-to-Place Risks Welcome
|
✅ TX · GA · FL · LA Licensed
|
✅ 24hr Quote Response
Insurance Professional
22+
Years of Experience
About Activo Insurance

We've Probably Insured a Business Just Like Yours.

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

The Businesses We Cover Every Week

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 Stations
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 Stores
Retail
📱

Cell Phone Stores

Electronic stock, repair shop liability, employee dishonesty, and equipment breakdown coverage.
Restaurants & Bars
Food Service
🍽️

Restaurants & Bars

Liquor liability, food contamination, BOP, workers' comp, and catering coverage.
Mom & Pop Retail
Mom & Pop
🛒

Mom & Pop Retail

BOP, general liability, property, crime, and workers compensation for independent retailers.
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 Cover Your Car, Home & Family

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

14 Types of Coverage. One Specialist Agent.

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 Trust Activo

What 22 Years in This Business Gets You

🏛️
Licensed Agent
TX · GA · FL · LA
P&C Licensed
📅
22+ Years
Property & Casualty
Experience
🏪
Independent Agent
We shop multiple
carriers for you
⚡
24hr Response
Quote within
one business day
🔒
We've Seen Your Risk
Gas stations, smoke shops,
LRO — we write them weekly
📱
Call or Text
(682) 666-0461
Mon–Fri 9AM–6PM
Why Choose Activo

Why Our Clients Don't Leave

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 Reviews

What Clients Say After We Found Coverage Others Couldn't

Real feedback from business owners and families we protect across Texas and beyond.

★★★★★

"We had three carriers decline our gas station before finding Activo. Sohail got us covered in less than a week — underground storage tanks and all. Couldn't believe it."

Ramon V.
Gas Station Owner — Dallas, TX
★★★★★

"Our hotel policy was up for renewal and our previous agent couldn't find anything affordable. Activo came back with two options the same day. Saved us over $4,000 annually."

Priya M.
Hotel Owner — Houston, TX
★★★★★

"I own three LRO properties and managing insurance used to be a nightmare. Sohail handles everything and is always reachable by text. Very professional."

Marcus T.
Property Investor — Atlanta, GA
★★★★★

"Switched my home and auto to Activo last year. Saved $180/month. The quote form on the website made it super easy and someone called me back within the hour."

Jennifer R.
Homeowner — Plano, TX
★★★★★

"Running a smoke and vape shop is nearly impossible to insure. Activo found us a solid policy with real product liability coverage. First agent who actually knew our business."

Kevin L.
Vape Shop Owner — Fort Worth, TX
★★★★★

"Been with Activo for two years now. They renewed my convenience store policy with no surprises and notified me two months before expiration. That's the kind of service that keeps you loyal."

Amir S.
Convenience Store Owner — Irving, TX

Tell Us What You Need — We'll Call You Back

No forms to memorize. No 30-minute hold music. Just tell us what you need insured.

Get a Quote

Get a Quote from an Agent Who Knows Your Industry

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
📂 Click to upload Dec Page, PDF, JPG or PNG

By submitting this form, you agree to be contacted by Activo Insurance. We never sell your information.

✅ Your submission was received! An agent from Activo Insurance will contact you within 24 business hours. Please also check your inbox for a confirmation.
Frequently Asked Questions

Questions Clients Ask Before They Call

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
ACTIVO INSURANCE

Independent P&C insurance agent with 22+ years experience. Specialists in hard-to-place commercial risks. Serving TX, GA, FL & LA.

📞 (682) 666-0461

📧 sales@getactivoinsurance.com

⏰ Mon–Fri 9AM–6PM CST

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