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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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I own a small business with no employees. Would commercial insurance be beneficial?

Regardless of the size of your business, most business owners want to protect their business from risks and other unforeseen circumstances. This is a concern regardless of whether you have two hundred or zero employees. Commercial insurance is designed to protect businesses irrespective of their size. Our Plano, TX team at Paragon Independent Insurance Agency educates Texas business owners on commercial insurance benefits.

What is Commercial Insurance?

Commercial insurance is designed to protect and cover businesses and their employees. Commercial insurance provides coverage and protection against risks, liabilities, and other business-related issues. It’s designed to meet the specific needs of any business, regardless of the size and type of business. Our team can create a policy to suit the unique needs of your business.

As a Small Business with no Employees, Would Commercial Insurance be Beneficial?

Small businesses have assets that need protection, just like larger businesses. Investing in commercial insurance would provide coverage for property damage, lawsuits, liability, employee injury, theft, and more. A commercial insurance policy can be created to meet the unique needs of your business. It can provide protection or compensation for business interruption as well. Commercial insurance has many benefits if you’re a small business owner interested in protecting your assets and offsetting business risks. Many businesses seek commercial insurance to protect general liability, property loss, and cyber liability. Small businesses need protection from loss and risks. Investing in business/commercial insurance is a practical way to protect your business. If you have questions about the benefits of commercial insurance, call us. We can help you explore your options and get coverage to meet the unique needs of your business.

Does auto insurance cover rental cars?

Most standard auto insurance policies at Paragon Independent Insurance Agency don’t cover rental cars in Plano, TX. That’s because most standard policies only cover the insured individual’s vehicle damage. And since you don’t own a rental car, your policy likely won’t provide any coverage for it.

There Are Some Exceptions, Though

While most standard auto insurance policies don’t cover damage to rental cars, there are some exceptions.

Get PreApproval

For example, if you have both comprehensive and collision coverage on your vehicle, that coverage may extend to rental cars in some circumstances. However, this will only be the case if you let your insurer know that you’ll be renting a car in advance and they agree to extend your coverage. Without prior approval from your insurer, any damage to a rental car probably won’t be covered.

Liability Coverage

Another exception has to do with liability coverage. Most standard auto insurance policies include at least some liability coverage, which can help pay for damages if you’re found at fault in an accident. In most cases, this coverage will extend to rental cars as well. However, it’s important to note that liability coverage only pays for damages to other people and property—not for damages to the rental car itself.

Add Temporary Coverage

Some policies allow you to add coverage for rental cars on an as-needed basis. We can check to see if this is an option with your policy.

As you can see, whether or not your auto insurance policy covers rental cars can be a grey area. To avoid surprises down the road, it’s always best to contact Paragon Independent Insurance Agency before renting a car in Plano, TX.



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