Month: September 2023

Do you want to learn more about how to get commercial business insurance in Texas? 

Smart business owners in Texas know that having commercial insurance in the Wild West isn’t a luxury for business owners; it is a necessity. 

Commercial business insurance helps business owners protect their long-term investments from financial losses that can arise from unexpected events. 

Knowledgeable insurance agents can explain the benefits of commercial insurance as part of a comprehensive business strategy to mitigate risk. 

Natural Disasters, Heat Waves, and Storms

The recent influx of severe storms and extreme weather reminds Texas business owners that natural disasters, hurricanes, and heat waves can cause property damage, supply chain disruptions, and business shutdowns. 

Business owners get commercial insurance to shield businesses from potentially devastating effects caused by severe weather and storms, but the protection doesn’t end there. 

Get Business Liability Coverage

Commercial insurance can provide liability coverage for accident-related claims filed against a business. It can also help business owners recover from property damage, theft, or vandalism on their premises. 

In today’s digital age, business owners need to protect their digital assets from prying eyes and bad actors who implement cyberattacks and technology breaches that interrupt the normal flow of business. 

Don’t Leave your Texas Business Exposed to Risks in the Wild West! 

Talk to a licensed insurance agent at Paragon Independent Insurance Agency in Plano, TX, to learn about your coverage options. 

We specialize in offering tailored insurance solutions for Texas-area businesses. Our agents can help small business owners, startups, and corporations choose the best commercial insurance for their needs. 

Contact an agent to get a free commercial business insurance quote today! 

Single-vehicle accidents account for 35% of traffic incidents nationwide. That number makes it vital that you understand what to do if you are involved in a single-vehicle accident and how insurance coverage works. Our Paragon Independent Insurance Agency team, serving Plano, TX, is here to answer your insurance questions and ensure you have the coverage you need.

Understanding Fault In Single-Vehicle Accidents

Texas is an at-fault state, meaning we determine who is at fault for each accident and who is responsible for any liability resulting from the accident. The need to determine liability applies in single-vehicle accidents because the driver is not automatically at fault for a single-vehicle accident. Factors other than the driver that can contribute to a single-vehicle accident include:

• Inclement Weather
• Road conditions or unkempt roads
• Hidden road signage
• Obstacles or animals on the road
• Mechanical malfunction
• Other drivers’ negligence

Because those contributory factors can influence the determination of fault, you should obtain a police report and safely document the scene whenever you are involved in an accident. If other factors are relevant, others may be found liable or partially liable for the accident and may be required to compensate the accident victims.

Even in a single-vehicle accident, correctly reporting and recording information about an accident can help determine fault, allowing you to avoid or reduce liability. Besides offering peace of mind, this can save you and your insurance company money in the long term.

Working With Paragon Independent Insurance Agency

Your friendly team at Paragon Independent Insurance Agency, serving Plano, TX, is ready to address all your insurance needs, including automobile insurance. So, give us a call or stop in today to ensure you are appropriately covered while driving Texas roads.