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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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All You Need to Know About Purchasing and Having Commercial Insurance in Texas

Are you a business owner operating your business in the Lone Star State? You need to carry proper commercial insurance that will protect your business, you as a business owner, and your employees if you have any. Commercial insurance can be a complex topic. Therefore, you should work with an insurance expert to understand it. Here is some essential information about business insurance in Texas you should know. 

What Should You Know About Commercial Insurance in Texas?

The crucial facts about business insurance in the Lone Star State include the following:

  • Texas does not require workers’ compensation. An interesting fact is that Texas is one of the two states that does not require businesses to have workers’ compensation. However, there are certain exceptions to know. The following operations and industries need workers’ compensation: the public sector, construction contractors for public entities, natural gas and liquid propane dealers, and motor carriers. 
  • There are factors affecting the cost of your business insurance. The main factors are the industry type and the size of your company. Business experience, risk management, prior insurance history, and other factors also play a significant role.
  • Insurance is regulated by the Texas Department of Insurance (DOI). The DOI regulates all types of insurance in the state, including business insurance as well. Therefore, you can always contact the DOI if you have any questions or issues with your insurance. 

Paragon Independent Insurance Agency – Reliable and Trustworthy Agency in Texas

If you are shopping for commercial insurance in Texas and do not know where to start, Paragon Independent Insurance Agency serving clients in Plano, TX is here to help. Our qualified and knowledgeable insurance experts are here for you. We are ready to answer all your questions and help you find the policy you need. Whether you operate a business in Plano, TX, or any town in the Lone Star State, feel free to contact us. 

Does Homeowners Insurance Cover Fences?

The value of homeowner’s insurance can’t be denied whether you’ve owned a house for a year or three decades. There are millions of homes in Texas, and many residents consider adding a fence for several reasons. Whether they want more privacy or add value, it’s a good investment. Our experts at Paragon Independent Insurance Agency serve Plano, TX, by helping them understand more about their policy. One common question we get is whether or not insurance covers a fence.

Will Home Insurance Cover A Damaged Fence?

Home insurance typically covers your fence, but it must be from something considered a covered loss. For example, if you neglect routine maintenance or upkeep, that wouldn’t qualify for a replacement. Below would be examples of when your policy would cover your fence.

  • Strong wind or hail from a thunderstorm damages your fence
  • A neighbor’s tree falls on your fence, creating a gap in one of the sections and making it unusable.
  • A car veers off the road and crashes into your fence, causing significant damage.
  • These are all scenarios where your home insurance policy would likely cover the cost of repairing or replacing your damaged fence.

However, it’s important to note that each insurance policy is different, and coverage may vary depending on your policy’s specific terms and conditions. Our team of experts is always available to answer any questions you have. As a structure outside the home, it’s good to understand what is covered when something unexpected occurs.

Call Paragon Independent Insurance Agency To Get An Estimate

Do you need a quote for a home insurance policy in Plano, TX? We would love to make the process as easy as possible. Call for an estimate!



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