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Paragon Independent Insurance Agencies, Inc

6305 Preston Road #1000
Plano, TX 75024

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Do I need commercial auto insurance in Plano, TX if I use my own vehicle for work?

Commercial insurance protects your business in the event there is an accident. To protect your Plano, TX small business, you must ensure that every vehicle used by your business is insured. Some people wonder if they can save by using their regular insurance when using their personal vehicles. At Paragon Independent Insurance Agency, we can help answer your commercial insurance questions. 

When Is Your Personal Vehicle a Work Car?

Your personal vehicle becomes a work vehicle if you use it for anything during the course of business. Here are some examples of work activity:

  • picking up supplies or dropping off goods,
  • using your vehicle as part of a service your company provides, 
  • traveling between work locations on work time and
  • visiting clients.

You Can Open Yourself And Your Business Up To Liability 

If an accident occurs during the course of business, your regular insurance will not be responsible. Your business will still be responsible for any damages, including property damage, medical expenses, lost wages, rental vehicles, and pain and suffering. You will also be responsible for handling the lawsuit if someone sues you.

You May Also Face Legal Consequences

In Plano, TX, you can face fines and other consequences if you or an employee are found to be driving without insurance. The fines usually increase if there are multiple violations. Additionally, the vehicle could be towed, and you may have to prove that the vehicle is insured correctly to get it back.

Protect your Plano, TX small business by ensuring you have the necessary coverage. If you want to discuss your coverage or have any questions about commercial insurance, please call Paragon Independent Insurance Agency today.

Three Ways Home Insurance Protects You

If you’re a homeowner, it’s essential that you have a home insurance policy. If you have a mortgage on your home, the lender generally requires that you have this insurance. If your neighborhood has an HOA, they, too, will require this insurance. If you don’t have it, you need to get it right away. To start a home policy, call us at Paragon Independent Insurance Agency in Plano, TX.

Protection for Your Home

Your home policy will protect your home by covering you against severe events that could damage it. The policy can pay for the necessary repairs if a natural disaster, calamity, etc., should happen. If a covered event destroys your home, this policy can pay for the rebuilding required. It’s never a good idea to go without this coverage in case the worst happens. Protect the investment you’ve made in your home with this policy. 

Protection for Your Possessions

Just like the protection for your home, you also get protection for your belongings in a home policy. The policy can replace your items if they are lost or destroyed in a covered event. There are many ways that an accident or other event can ruin your possessions, and you need to be covered against them. It can keep you from paying for all of the replacements yourself. 

Liability Protection

When you’re the homeowner, you’re responsible for medical bills and other bills if someone has an accident while on your property. Home insurance offers protection against your liability and pays those bills for you. This can help you avoid a financial disaster. 

Get Home Insurance 

If you need this type of insurance, get it right away. Just call us at Paragon Independent Insurance Agency in Plano, TX to get started. 



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