Joal Ramirez & Associates Insurance
- 469.939.6905 -

Joal Ramirez & Associates Insurance - 469.939.6905 - Joal Ramirez & Associates Insurance - 469.939.6905 - Joal Ramirez & Associates Insurance - 469.939.6905 -
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Joal Ramirez & Associates Insurance
- 469.939.6905 -

Joal Ramirez & Associates Insurance - 469.939.6905 - Joal Ramirez & Associates Insurance - 469.939.6905 - Joal Ramirez & Associates Insurance - 469.939.6905 -

Insurance Broker

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Business Insurance Broker

At Joal Ramirez & Associates Insurance, our mission is to provide personalized insurance solutions that meet the unique needs of our clients. We strive to educate our customers about their options and help them make informed decisions for their protection and peace of mind.

  

Personalized Insurance Solutions: We offer the availability of personalized insurance solutions that cater to the specific requirements of clients. Our tailored coverage contributes to higher customer satisfaction and loyalty.


Coverages that are offered include General Liability, Property, Workers Compensation, and Professional Liability. General liability insurance protects against common lawsuits, while workers' compensation covers employee injuries. Workers’ compensation can provide financial support if one of your employees is injured or becomes sick because of their work.


Contact us at 469-939-6905 or Joalr@jramirezinsurance.com


I began my career in insurance February 2015 as a Group Health Administrator & Benefits Coordinator and because I am Bilingual, I was promoted to Director of Group Health Enrollments that same year. I accepted an additional position as the Commercial Insurance Broker June of 2015.


While at James Zander I formed many lasting relationships with customers, underwriters, market representatives and especially with my co-workers / friends. Each and every one that I mentioned helped me grow in my career and I am very grateful to them especially that one customer/friend that gave me feedback on my shoes. They know who they are, so I won't mention them by name. 


I want to give special mention to James Zander who brought me into the Insurance Business. James was my friend, my mentor, and my rock. I am forever grateful to him for everything. James and my family are the main reason for me starting my own agency in 2022.  


FYI - He always had a smile on his but never would remember to wear his seat belt. 



Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

Short answer, yes! Business Owners Policies can offer some cyber, but I would recommend a review to make sure that First Party and Third-Party Coverage is available, especially if you maintain medical records or customer payment information. 


  • Don't panic. Take a deep breath and contact your agent. 
  • Make sure you understand why you are being Non-Renewed or Cancelled. 
  • Make sure that you know your properties Electrical, HVAC, Plumbing and Roof replacement or latest updates. 
  • Request your Loss Runs. Verify that all claims are valid and that there are no duplicates or OPEN status on any claims. 
  • If you have claims, be ready to answer what you have done to make sure that this does not happen again. 
  • Fill out all forms that you are sent. You may be asked to fill out several forms. 
  • Don't waste any time!!! 
  • Ask your agent to provide quotes at least 2 weeks prior to non-renewal date.
  • Request a weekly update from your agent. 
  • Remember, you have to be proactive in this process. 



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Contact Us

Joal Ramirez 469-939-6905 joalr@jramirezinsurance.com

Hours

Monday - Friday: 9am - 6pm

Saturday: 10am - 2pm

Sunday: Closed

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