Why Your Business Needs Commercial Insurance

Today’s world is characterized by risk and uncertainty. Businesses are constantly exposed to disruptions, theft and property damage, risks that will lead to huge financial losses if they occurred. The good news is that reliable commercial insurance can help to protect your business, allowing you to focus on growing it. Paragon Independent Insurance Agency offers a variety of commercial insurance options for business owners in Plano, TX.

In order to protect your employees

Employees are some of the important assets of any business. Regardless of the type of activities your business engages in, it is very important to protect your employees against injuries sustained in the workplace. One of the facets of commercial insurance is Worker’s Compensation policy. The policy will cover the medical bills and lost wages in the event that your employees are injured while on duty.

To protect you from legal action

With the numerous possible claims that businesses are open to, it is necessary that business owners plan for such claims through commercial insurance. Even when the claims are not founded, they are likely to result in very expensive court processes. Commercial insurance will provide professional liability coverage and general liability coverage to ensure that your business runs smoothly at all times.

To protect your property

Loss, theft and damage to business property will not only disrupt business operations but also result in financial loss. This type of insurance policy is designed to provide coverage for the building that houses your business, office equipment and furniture as well as the stock. In the event that the insured risk occurs, your insurance company will respond by helping you to get back on your feet again.

Before buying a policy in Plano, TX, it would be important to contact Paragon Independent Insurance Agency for a quote. This will help you to plan effectively for the coverage as well as for your business.

What to Do After You File an Auto Insurance Claim in Plano

When you file a claim in Plano, TX, you may need to do a little more work even after the paperwork has been completed. This is especially true if the claim is complicated, with multiple requests and considerations that need to be taken into account. If you’re wondering what to do after you’ve finished filing, keep these tips in mind from Paragon Independent Insurance Agency. 

Keep on Talking 

When you give the insurance company everything they need, then there’s less chance you’ll face questions later on. The best time to start communicating with your agent is directly after the accident happens. In fact, you may want to call the insurance company before you take the car anywhere or even to see a doctor for any potential injuries you have. Share everything you have with them as soon as you have it. From pictures to names, leave nothing out. Should you realize you forgot to include something in your claim, call your insurance company back to clarify. 

Speak Up 

The best thing that you can do if you think that something is wrong is to do your own research or to make the first move. Speak up if you think an estimate is incorrect, if you can’t get an update about the status of the claim, or if you just think there’s been some type of misunderstanding. The more work you do on your end, the less likely you’ll see a problem later on.

If you’re in Plano, TX, and need auto insurance advice, then Paragon Independent Insurance Agency can help. We do everything possible to make claims go as smoothly for you as they do for us. Call us today to find out more about how we’re different from our competitors. 

 

Does home Insurance cover Basic home Repairs?

For the most part, home insurance is a major benefit that helps homeowner’s determine how much your policy covers and how much is left to chance. For those that have a policy and are wondering if it covers basic home repairs, keep reading. For those in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help you to determine just what your policy covers.

The majority of policies are only going to cover damage that is not routine. This means that they are not going to cover age related issues, not going to cover things like damage that is related to normal wear and tear and more. For the most part, home insurance policies are simply in place to prevent the deterioration of the home as the result of any major damage that is out of the ordinary. This means things like damage from storms, fire, water damage from burst pipes, damage from pets, and even injury to people that are in your home.

The idea behind this is that you should be maintaining your home on a day to day basis as a homeowner and should not need a policy to cover the repair of daily issues. As something in your home ages, you should replace it before it becomes a huge issue so that the home will maintain its value and so that you can keep the home in good shape. Most policies are only going to cover things that are out of the control of the homeowner. This means things that you cannot prevent with routine and regular maintenance that you would provide your home simply because you own it and live in it.

For those in the Plano, TX area, the agents with Independent Insurance Agency can help.