Business Insurance
Business Insurance That Protects Your Livelihood
Running a business means balancing risk, responsibility, and opportunity every day. The right insurance doesn’t just satisfy legal requirements—it safeguards everything you’ve built. At P&R Insurance Agency, we help small business owners across Palestine, Athens, Tyler, Jacksonville, Canton, and surrounding East Texas communities protect their operations with clear, effective coverage strategies.
Our agency is built on personal relationships. We meet business owners where they are—sometimes literally at their place of work—to design insurance plans that make sense for their industry, scale, and future goals. Whether you’re insuring a single-van electrical business or managing a busy restaurant, we’ll help you navigate the complexities of commercial coverage with confidence.
Why Business Insurance Matters
Many business owners think insurance is something you only need to “check off” once. But without the right coverage, one unexpected incident—a fire, accident, or lawsuit—can threaten years of hard work.
P&R Insurance Agency takes an advisory-first approach. We help you understand your exposures, evaluate the policies available, and choose options that protect your employees, assets, and reputation. Our goal is not to oversell but to make sure your business is prepared for the real risks you face.
General Liability Insurance
Workers’ Compensation Coverage
Commercial Auto Insurance
General Liability Insurance protects your business from accidents, injuries, or property damage that may occur during operations. If an employee or contractor makes a mistake that causes harm, this coverage helps pay for repairs, replacements, or legal costs. It’s an essential safeguard for service providers, tradespeople, and businesses who want protection and peace of mind.
Workers’ Compensation Insurance covers medical costs and lost wages if an employee is injured while on the job. It protects both your team and your business from unexpected expenses or lawsuits. Even if you’re a contractor or self-employed, carrying this coverage shows professionalism and ensures financial stability when accidents happen.
Commercial Auto Insurance protects vehicles used for work, from delivery vans to contractor trucks. Personal auto policies rarely cover job-related incidents, but this coverage helps with repairs, liability, and medical costs. Whether you run one vehicle or a fleet, it keeps your drivers, equipment, and business protected every mile of the way.
P&R Insurance Agency LLC
Industry-Specific Coverage
No two businesses are exactly alike, which is why a one-size-fits-all approach doesn’t work. P&R Insurance Agency works with a variety of industries across East Texas, including:
- Restaurants and food service businesses
- Electricians and tradespeople
- Cybersecurity professionals and technology firms
- Medical offices and doctors
- Tax professionals and financial service providers
Each industry faces unique risks. We’ll build coverage solutions that match the realities of your work while keeping costs reasonable.
Why Small Businesses Choose P&R Insurance
East Texas is built on small businesses—independent trades, family-owned restaurants, local professional offices. These businesses need more than automated quotes and generic coverage. They need a local insurance advisor who understands their community and can meet them on their terms.
Business owners choose us because:
- We offer personal consultations, often at their place of business.
- We focus on clarity and education, not sales pressure.
- We can shop multiple carriers to find the best fit for coverage and budget.
- We provide ongoing support, not just a policy at renewal.
When you work with us, you gain a partner who wants your business to succeed for the long term.
Serving Businesses Across East Texas
Our commercial insurance services extend well beyond Palestine. We regularly work with businesses in Athens, Tyler, Jacksonville, Canton, and across the state. Whether your operations are local or expanding regionally, we can provide flexible, tailored insurance solutions to keep pace with your growth.
Start Protecting Your Business Today
Your business deserves more than basic coverage—it deserves a thoughtful, strategic insurance plan. Whether you’re a startup, a growing small business, or an established local company, P&R Insurance Agency is ready to help.