How can auto insurance in Plano protect me?

Those that are in the Plano, TX area will find that owning a car is a practical necessity. Those that do have a car here will be able to get around the entire Dallas TX metro area much more efficiently. While there are plenty of advantages that come with owning a car, there are responsibilities as well. One responsibility that all people have is the need to get auto insurance. This coverage can protect you in many ways. 

Insurance Will Protect Car

One of the reasons that people in Plano should always get a car is that it will provide them with protection for their vehicle. If you have bought a car, you will want to know that you can drive and enjoy it for a long time. With a full auto insurance plan that includes both collision and comprehensive protection, you will know that you are properly covered and protected at all times for many risks that could result in a loss.

Insurance Gives Liability Protection

You will also want to get an auto insurance plan because it will provide you with liability protection. If you decide to drive a car there will always be a chance that you could cause an accident. If this does occur, you will need to pay for any damages that you cause. Fortunately, when you get an auto insurance plan, you are going to receive liability protection to mitigate this risk. 

Getting an auto insurance plan in the Plano, TX area is always a good idea. As you are looking for a new plan here, the Paragon Independent Insurance Agency is a great company to reach out to. When you call Paragon Independent Insurance Agency you can learn a lot about your options and they can help you choose the right policy that meets your needs. 

When Does A Small Business Need Commercial Insurance?

Small businesses come in all sizes in Plano, TX. A business taking in six figures a year may technically be a small business, but so is a business that earns you just a few hundred bucks for groceries here and there. So when are you ready for commercial insurance?

Different businesses have different insurance needs, but it generally comes down to one thing:

Liability

The big question here: If something happens, is it going to come out of your pocket?

If you run a small eShop, you may have some protection through the platform you use. If you’re only earning a little extra money on items and services with no major liability concerns, you might not need to worry about it.

But at a certain point, you’ll likely cross a threshold where you have too much at risk to leave your business uninsured, and that’s when you should call Paragon Independent Insurance Agency to see about getting covered.

It’s nice to have your inventory and your equipment covered by commercial insurance, but the main reason you want to be covered is so that you won’t be left paying thousands of dollars in damages out of pocket if someone is injured on your premises or suffers losses that have to do with your product or service.

The question of when you’ve crossed that threshold, that’s a little trickier, and it varies from business to business. Some people like to buy commercial insurance as soon as they can afford it while still turning a profit, but your mileage may vary. So if you have any questions, get in touch with Paragon Independent Insurance Agency to see if your small business in Plano, TX is ready to get protected.