🏛️ Licensed: TX · GA · FL · LA 📅 22+ Years P&C Experience 📞 (682) 666-0461 — Call or Text ⚡ Quote Within 24 Hours
Home › Case Studies
Real Accounts. Real Outcomes.

Case Studies — Accounts
We've Actually Placed

These aren't hypotheticals. These are the types of risks we work on every week — businesses that came to us after being turned down, underinsured, or overcharged. Names changed. Situations real.

⛽
Gas Station
Dallas–Fort Worth, TX
Prior carriers: 3 declined
UST age: 18 years
Annual revenue: $4.2M
Result: Bound in 6 days
Case Study 01

Three Carriers Said No. We Found the Fourth.

A gas station owner in the DFW area contacted us after his renewal was non-renewed by his carrier of 9 years. The reason: his underground storage tanks were 18 years old and the carrier had updated their guidelines. Two more carriers declined on submission.

By the time he reached us, he had 11 days left on his current policy and a lender requiring continuous coverage.

What We Did

  • 01Ordered an independent tank inspection to establish current condition — this is what most agents skip
  • 02Submitted to three specialty surplus lines markets simultaneously with the inspection results attached
  • 03Negotiated UST liability as a separate policy from the commercial package — different markets, better pricing on both

"We had one agent tell us the tanks made us uninsurable. Activo had us bound before our old policy expired."

— Gas station owner, DFW area

Outcome: Full commercial package + UST liability + environmental. Bound 6 days before expiration. Premium came in 12% lower than the previous carrier's final renewal offer.
🏨
Extended Stay Motel
Atlanta, GA
Prior claims: 2 assault & battery
Rooms: 68
Challenge: Weekly rentals, high-crime area
Result: Covered. Full limits.
Case Study 02

Extended Stay. Two Prior A&B Claims. No Standard Market Would Touch It.

Extended stay motels are one of the hardest commercial risks to place. Add two assault and battery claims in three years and you're looking at a very short list of carriers willing to write it at any price.

The owner had been operating uninsured for 47 days when a broker referred him to us. His lender had already issued a notice of default on the mortgage.

What We Did

  • 01Documented all security upgrades made after the claims — cameras, lighting, staff protocol changes. This is the submission narrative most agents don't write.
  • 02Went directly to the E&S market with a risk improvement letter and photos. Standard markets were a waste of time here.
  • 03Structured the A&B coverage as a separate sublimit endorsement — the only way to make the premium workable for this class.

"Every agent I called said the A&B history made it impossible. Activo understood how to present it."

— Motel owner, Atlanta, GA

Outcome: Full property + GL + A&B coverage restored within 4 days. Lender satisfied. Policy has renewed twice since.
🏢
LRO Strip Mall
Houston, TX
Tenants: Smoke shop, nail salon, check cashing
Prior situation: Wrong policy type
Building value: $1.1M
Result: Correctly covered + $18K saved
Case Study 03

He Had Insurance. It Just Wouldn't Have Paid Out.

A Houston property investor owned a small strip mall with three tenants — a smoke shop, a nail salon, and a check cashing store. He had a commercial property policy and thought he was covered.

He wasn't. His policy was written as an owner-occupied commercial building. He occupied none of it. If a customer had been injured in any tenant space and sued the building owner, his policy would have had grounds to deny the claim.

What We Did

  • 01Identified the policy misclassification during a coverage review — something his previous agent had never caught or disclosed
  • 02Replaced with a proper LRO policy that correctly classified all three tenant types including the smoke shop, which requires specialty market treatment
  • 03Added loss of rents coverage — which the old policy also lacked — protecting his mortgage payments if the building became uninhabitable

"I didn't know I had the wrong policy. Activo caught something my previous agent missed for three years."

— Property investor, Houston, TX

Outcome: Correctly structured LRO policy with all three tenant types covered. Annual premium $18,400 less than the previous misclassified policy. Loss of rents added at no meaningful cost increase.
💎
Jewelry Store
Irving, TX
Inventory value: $380,000
Prior coverage: $50,000 sublimit
Gap: $330,000 uninsured
Result: Full Jeweler's Block placed
Case Study 04

$380,000 in Inventory. $50,000 in Coverage. Nobody Had Told Him.

A jewelry store owner in Irving had been in business for 11 years. He had a business owner's policy the whole time and assumed his inventory was covered. It had a $50,000 sublimit on jewelry. His stock was worth $380,000.

He found out when he called to ask about adding a display case. We ran a full coverage review and identified the gap immediately.

What We Did

  • 01Placed a standalone Jeweler's Block policy covering full inventory at replacement value including mysterious disappearance
  • 02Added transit coverage for pieces sent to trade shows and for customer repairs via mail
  • 03Retained the original BOP for GL and property — lower combined cost than replacing everything with one policy

"I had been underinsured by $330,000 for 11 years and had no idea. That's a scary conversation to have."

— Jewelry store owner, Irving, TX

Outcome: Full Jeweler's Block at $380,000 replacement value with transit coverage. Combined annual cost was 23% less than what a single carrier had quoted for the same limits.

Have a Risk Like These?

These are the accounts we work on every week. If your business has been declined, misquoted, or you suspect you're underinsured — call us.

📞 (682) 666-0461 — Call or Text Get a Quote Online

We respond within 24 business hours. No commitment required to get a quote.