Commercial Insurance Answers at Versatile Insurance Planners

Texas residents with commercial property, liability, or auto insurance policies should be aware of their consumer rights regarding those policies. For example, you always have the right to cancel your commercial insurance policy for any reason. If you are due any refund from your premium payments, your insurance company will let you know. 

Commercial Insurance from Versatile Insurance Planners 

If you live in the San Antonio area, Versatile Insurance Planners wants you to think of us as your source for commercial insurance. Our staff is ready to meet with you at your convenience and review all your policy options. We can work with you to help you discover what type of policy you need. 

If your insurance company wants to cancel your commercial insurance policy, they must notify you by mail within ten days before the proposed cancellation date. For the first 60 days of the procedure, the insurance company can cancel the policy for any reason. After the first 60 days, they can only cancel the policy for specific reasons. 

If You Have a Complaint 

You can contact the Texas Department of Insurance if you have a problem with your insurance company. Once you reach the TDI, they will guide you through the steps of the complaints. You can use the online submission portal at TDI to upload copies of your complaint documents. 

At Versatile Insurance Planners, we want to serve business owners of San Antonio, TX by providing the policies you need. Once you have one of our commercial insurance policies, you can contact us regarding claims through our online customer service portals. Call us today, or go to our website to get an insurance quote or make an appointment to meet with our staff. 

Benefits of a Motorcycle Safety Course

Motorcycle riders who reside in San Antonio, TX must obtain motorcycle safety course certification to be granted a class M license. You may also qualify for a lower rate on your insurance, and your knowledgeable Versatile Insurance Planners agent can give you details on what savings are available. 

Another perk is that certain companies give discounts on particular models of bikes when you present them with your certificate. Earlier training is essential, as you will practice correct techniques from the start instead of reinforcing bad habits that are hard to break later. 

Some of the skills you will learn are those that are hard to be gained outside the classroom. These can include knowing how to ride slowly and taking tight turns without losing control of the vehicle. 

Proper braking is another topic often covered, as well as how to apply the principles of push and counter steering. Awareness of the space you and other motor vehicles occupy is a valuable skill set, and you will develop an understanding of how your bike is engineered and how it works with its intended function. 

Inclement weather can provide challenges for motorcycles, especially, and the ability to handle skids, hydroplaning, snow, or ice may very well save your life and the lives of others. Studies show that trained drivers are involved in fewer accidents and that these are less severe. 

Versatile Insurance Planners Can Help You 

We specialize in the creation of insurance packages that are built to suit your needs. We encourage you to speak to us today about your specific situation, and we can be reached by phone, online, or in person. We serve those living in the San Antonio, TX area and look forward to working with you. 

Does Commercial Insurance Cover All Business-Related Equipment?

Commercial insurance is essential for protection from risks and liability. However, if your business has the equipment necessary to operate, you need to know if your policy offers coverage for those items. The experts at Versatile Insurance Planners can help you understand your policy options and coverage. We proudly serve the residents in and around San Antonio, TX. 

Commercial Insurance Coverage

Commercial insurance is designed to protect business owners from various risks like theft, vandalism, and fire. However, there are limitations to the coverage you need to know about when choosing a policy. Most policies only cover a little equipment if they offer any coverage. You do have the option to purchase a separate equipment policy to provide a complete blanket of protection. This is essential for businesses that need specific equipment to operate. 

If you’re searching for commercial insurance coverage, our agents are ready to assist you with the terms and conditions. We carefully assess your needs to determine which policy options benefit you the most. After the policy is in effect, we can help you with any changes or submit documents for any claims. We are committed to providing our customers with the best customer service in the industry. Let us show you how we can offer you peace of mind through quality insurance options. 

Reach Out Today

If you are searching for commercial insurance and want to work with an agency that can help you understand your coverage, contact Versatile Insurance Planners. We proudly serve the residents in and around San Antonio, TX. Call or stop by today to speak to an agent to find out more details or schedule a consultation. 

Motorcycle Safety Tips

A good driving record is essential to maintaining affordable motorcycle insurance premiums. San Antonio, TX residents are required to purchase motorcycle liability coverage in the amount of $30,000 per person for injuries or death, or $60,000 per wreck, and $25,000 in property damage. Your knowledgeable Versatile Insurance Planners representative can go over the appropriate level of coverage for you. 

A safety course can go a long way to helping you navigate the rules of the road and can also lower the cost you pay for indemnification. It can strengthen your defensive driving technique and allow you to easily spot hazards while riding. 

Another critical aspect of responsibly riding a chopper is to check the weather before heading out. Roadway conditions can affect your vehicle in ways a car or truck wouldn’t be impacted, and you’ll want to avoid situations where you could lose traction, such as snow or ice. Fog is another element wherein you may be in danger, as you won’t be as visible to other drivers. 

Proper gear, including leather garments such as jackets, gloves, pants, and chaps, is essential for surviving a collision. Eyes should be protected with goggles, and it is recommended that your helmet and other apparel are DOT approved. Layers are also vital for protecting the skin from severe injuries and road rash. 

Excessive speed is to be avoided, and you must do your part to obey all traffic rules. Use turn signals and avoid riding in drivers’ blind spots. 

Versatile Insurance Planners Are Here to Help

We specialize in offering insurance products and services to meet our client’s needs, and we look forward to working with you. Reach out to us today for more information, and we serve those who live in and around San Antonio, TX. 

Does motorcycle insurance cover me if I drive with a suspended license?

If you have a motorcycle in San Antonio, TX, and your license is suspended, you may wonder what type of insurance coverage you need. Versatile Insurance Planners has you covered with the answers to all your questions about motorcycle insurance and driving with a suspended license. Read on to find out what kind of protection will keep you safe while riding around San Antonio!

What Type of Insurance Do I Need?

The type of insurance that’s required for motorcycle riders is similar to the coverage that all other drivers must carry. That includes liability insurance to cover costs associated with injuries or property damage that occur during an accident and uninsured motorist coverage for when the at-fault driver doesn’t have enough insurance to cover the expenses. However, if your license is suspended, it’s important to note that some insurers may not offer coverage for drivers who cannot operate their vehicles legally.

Can I Legally Drive With a Suspended License?

The answer is no—not without risking severe penalties like fines or jail time. In addition, driving without valid insurance can lead to further legal trouble if an accident occurs while driving illegally. So it’s always best practice to follow the law and ensure you carry valid motorcycle insurance even if your license is suspended.

In short, the best way for someone to avoid legal trouble whose license has been suspended in San Antonio, TX is by obtaining proper motorcycle insurance coverage before getting back on the road. No matter what kind of situation you find yourself in, having adequate motorcycle insurance is essential for anyone riding in San Antonio! Contact Versatile Insurance Planners today, and we’ll help you find the available options that best suit your situation.

Required Commercial Insurance in Texas

If you own a Texas business, it’s vital that you have all of the insurance policies you need to protect it. Insurance can protect the business, yourself, your employees, and the public. General liability insurance is often recommended for businesses, but the state doesn’t require it. Another great type of coverage is cyber insurance, but it isn’t mandated to have it. There is one type mandated for many businesses, but it’s important to know what it is and whether you need it. Call us at Versatile Insurance Planners in San Antonio, TX to get started when you need business protection. 

Insurance for Business-Owned Vehicles

If your business is the legal owner of a vehicle, that vehicle has to be covered by a commercial auto insurance policy by state law. This insurance policy will cover both property damage liability and bodily injury liability. Both of these coverage types are required to be in the policy. In addition, you can add other coverage to the policy to cover your property damage or other problems that can happen to your vehicle. Getting collision and comprehensive coverage will keep your vehicle well-protected, as well as protect your finances. 

Workers’ Comp Insurance

While other states require employers to have workers’ compensation insurance within their states, that isn’t the case in Texas. Businesses in the state aren’t required until they contract with government bodies. Though it usually isn’t required, it’s highly recommended to save your business from lawsuits and substantial medical bills if you should have an employee get injured on the job. 

Cover Your Business With Commercial Insurance

When you need commercial insurance to cover your business, call us at Versatile Insurance Planners in San Antonio, TX.

I’m Renting Out My Home. Do I Need To Get Home Insurance?

Whether renting out a room in your home to make some extra cash or leasing out your entire property, it’s essential to have the right insurance in place. If something happens to your property while it’s being rented out, you could be liable. That’s why it’s crucial to have home insurance that covers rental properties. Let’s discuss whether or not you need rental property insurance and what it covers.

Why You Need Home Insurance for Renting

If you’re renting out a room in your home, your homeowner’s insurance policy will likely cover any damages that occur to the property. However, most homeowners insurance policies will not provide coverage if you’re leasing out an entire property. That’s because when you’re renting out a property, it’s considered a business venture. As such, you’ll need to purchase a separate policy that specifically covers rental properties.

What Rental Property Insurance Covers

Rental property insurance is designed to protect you from financial losses that could occur as a result of damages to your property or injuries that occur on the property. It will also cover you if your tenants cause damage to the property. Most rental property insurance policies will cover the following:

  • Property damage caused by tenants or their guests
  • Injuries that occur on the property
  • Loss of income if the property becomes uninhabitable due to damages
  • Legal expenses if a tenant sues you

How Much Does Rental Property Insurance Cost?

The cost of rental property insurance will vary depending on several factors, including the value of your property, the location of your property, and the amount of coverage you need. The type of tenants you have can also impact the cost of your insurance. For example, if you’re renting to college students, you may pay more for insurance than renting to families. To get an accurate estimate of how much it will cost to insure your rental property, speak to Versatile Insurance Planners in San Antonio, TX.


If you’re renting out your home, it’s essential to have the right insurance in place. Rental property insurance will protect you from financial losses resulting from damages to your property or injuries that occur on the property. To get an accurate estimate of how much it will cost to insure your rental property, speak to Versatile Insurance Planners in San Antonio, TX today.

Reasons You May Be Denied Motorcycle Insurance

If you have a history of accidents, moving violations, or tickets, your insurer may be less likely to provide you with a policy. 

Some policies may not be available if you do not meet a minimum age requirement or your motorcycle does not have liability insurance. 

Many policies also require that you have a certain amount of experience on your motorcycle. Versatile Insurance Planners in San Antonio, TX can help if you’ve questions. 

What’s Involved in Motorcycle Insurance Denial 

Motorcycle insurance is not one-size-fits-all, and every policy comes with specific terms and conditions that must be met to be insured. To be granted a policy, the insurer will likely request information about your riding history, bike, and driving record. 

If you have declined coverage or your premium is significantly higher than other drivers, know that you may have violated one or more of these conditions.

The most common reasons for denial of motorcycle insurance are driving violations, a lack of motorcycle experience, and insufficient proof of liability insurance. Other causes may include:

  • For drivers under the age of 21, most insurers will require a parent or guardian to sign an endorsement on the policy
  • For drivers over the age of 69, most insurers will require a doctor’s statement to sign an endorsement on the policy 
  • For drivers with a record of DUIs, most insurers will require a doctor’s statement to sign an endorsement on the policy 
  • Most insurers will require a doctor’s statement to sign an endorsement on the policy for drivers with a record of reckless driving violations.
  • Most insurers will require a doctor’s statement to sign an endorsement on the policy for drivers with gaps in their insurance coverage.
  • You may also be denied insurance if you have multiple DUI or DWI convictions.
  • If you have multiple tickets or an at-fault accident on your driving record, you may not be able to get motorcycle insurance. 
  • If you have had your car repossessed, you may not be able to get motorcycle insurance. 

Parting Thoughts 

You may be denied motorcycle insurance if you have a habit of reckless or unsafe driving. Habitual offenders are not welcomed in the insurance market, and this is especially true for motorcycles. 

If you have a DUI or DWI conviction on your driving record, you will have a more challenging time getting motorcycle insurance. 

Also, without experience, you may not get motorcycle insurance. For inquiries and help, consult the San Antonio, TX firm, Versatile Insurance Planners.

Do businesses in San Antonio need commercial insurance?

The San Antonio, TX area continues to experience growth and improvements in the local economy. This can make it a great community to invest in and start a business. While a lot of value comes with business ownership here, you will need to have the right insurance to mitigate various risks that come with owning a business. There are multiple reasons that a business will need to have this coverage for your business. 

Comply with Requirements

Businesses in this area of Texas will need to have coverage because they will have various insurance requirements. Many who choose to start a business will take out loans, raise capital, and sign other agreements that will mandate they maintain certain types and levels of coverage. If you get the right insurance in place, it can ensure you remain appropriately covered. 

Ensure Business is Covered

Another reason that a business owner should get a commercial insurance plan is to ensure their company is appropriately covered. There are various forms of coverage included with a commercial insurance plan. This includes offering liability insurance and giving coverage to protect all of your core assets. Ultimately, if there is a challenging situation that results in a loss, this coverage can help protect your business’s solvency.

A business that operates in the San Antonio, TX area will always find that having proper commercial insurance is a good idea. When you are looking to get insurance for your business, calling the team with Versatile Insurance Planners is a great option. The professionals with Versatile Insurance Planners understand the value of this coverage, and they can provide the guidance you need to build your next plan and policy. 

Is it time to upgrade your motorcycle insurance policy?

San Antonio, TX area motorcycle riders can rely on Versatile Insurance Planners for all of their insurance needs, including motorcycle policies. We want to ensure that our friends and neighbors have the protection they need when they’re out riding their bikes! We provide comprehensive policies, primary policies, and just about everything in between!

Benefits of a comprehensive motorcycle insurance policy

Basic motorcycle policies typically offer the bare minimum of coverage. Motorcycle riders who have recently upgraded their bikes may also want to look into upgrading their motorcycle insurance policy. One of the main benefits of a comprehensive motorcycle policy is the additional protection and coverage for injuries that require medical attention.

Additionally, it’s important to cover your bike from loss, theft, or damage. There is also protection available for coverage in the event of an accident that involves an uninsured driver. Oftentimes, it is much better to be over rather than underinsured. These are just a few of the many great benefits that a more comprehensive motorcycle insurance policy can provide.

Your local agent can go over the available options with you as you determine what type and level of coverage are appropriate for your needs. It is also a great idea to have your bike policy reviewed on a regular basis to make sure that your coverage keeps pace with your needs. 

Let us help with all your motorcycle insurance needs!

Versatile Insurance Planners San Antonio, TX is here to provide you with the information necessary to inform your insurance decisions. There are many benefits to comprehensive motorcycle insurance policies. Call or stop by our office to find out more!