Frequently Asked Questions

Activo Insurance specializes in hard-to-place commercial risks — businesses that standard carriers typically decline. This includes gas stations, convenience stores, hotels and motels, smoke and vape shops, jewelry stores, cell phone stores, restaurants, and Lessor's Risk Only (LRO) properties. We also write standard commercial risks for any Texas, Georgia, Florida, or Louisiana business.

Standard commercial carriers use strict underwriting guidelines. If your business falls outside their appetite — due to industry type, prior claims, prior cancellations, or location — they decline. This doesn't mean you're uninsurable. Activo Insurance has access to surplus lines carriers and specialty markets specifically designed for high-risk industries. We regularly find coverage for businesses that have been declined multiple times.

We respond to all quote requests within 24 business hours. For standard risks, we can often provide a quote the same day. For complex commercial risks like gas stations or LRO properties, we typically need 2–3 business days to shop the market thoroughly. Upload your current declaration page or renewal notice through our quote form for the fastest turnaround.

Activo Insurance is licensed in Texas, Georgia, Florida, and Louisiana. We serve clients throughout these states — including Dallas-Fort Worth, Houston, San Antonio, Austin (TX), Atlanta (GA), Miami, Orlando, Tampa (FL), and New Orleans, Baton Rouge (LA). For certain commercial lines, we can also serve clients in additional states through our specialty market relationships.

No. Activo Insurance operates as a fully remote agency. We service all clients by phone, text, and email. You can submit your quote request online, discuss coverage by phone or text at (682) 666-0461, and receive your policy documents electronically. This makes us accessible to clients throughout Texas, Georgia, Florida, and Louisiana regardless of their location.

LRO insurance is designed for building owners who lease commercial space to tenants and don't occupy the building themselves. It covers the building owner's liability if a customer is injured on the premises — even if the injury occurred in a tenant's space. Without LRO coverage, you as the building owner can be held personally liable for injuries that happen on your property.

A captive agent works for one specific insurance company (like State Farm or Allstate) and can only offer that company's products. An independent agent like Activo Insurance works with multiple carriers and can shop your risk across the entire market to find the best coverage at the best price. For hard-to-place risks, this difference is critical — captive agents simply don't have access to the specialty markets needed to write high-risk businesses.

Yes. Activo Insurance can file SR-22 certificates for drivers who require them in Texas, Georgia, Florida, and Louisiana. SR-22 is not an insurance policy itself — it's a certificate your insurer files with the state verifying you have the required minimum liability coverage. Call or text (682) 666-0461 and we'll get you covered quickly.

You can text (682) 666-0461 any time and we will respond the next business day. Our office hours are Monday through Friday, 9:00 AM to 6:00 PM CST. For urgent matters after hours, email sales@getactivoinsurance.com and we will respond at the earliest opportunity.

Contact your insurance carrier directly using the claims number on your policy documents. Activo Insurance will help you understand the claims process and can advocate on your behalf if needed. Always report claims promptly — delays can jeopardize your coverage. If you need help locating your carrier's claims number, call or text us at (682) 666-0461.