The product facts behind the view.
- Paragon’s Small Commercial page identifies an exclusive P&C underwriting program. [1]
- The published structures include a package, monoline general liability or monoline property. [1]
- The stated classes include habitational, retail, hospitality and professional-office risks. [1]
- The page says minimum premiums and eligibility are subject to underwriting requirements, without publishing a complete product-by-state matrix. [1]
This is an individual program of Paragon Insurance Holdings. Review its own product scope separately from the other offerings.
Questions to resolve before binding.
Use these illustrative scenarios to review a proposal. They are questions to ask, not statements that a loss is covered.
A quote includes property but no liability
Where is the premises liability insured, and are the correct entities and locations named? Compare the combined result rather than the property premium alone.
A landlord adds hospitality amenities
Do the new activities remain within current underwriting terms? Describe use, operators and contracts before assuming the existing occupancy description is enough.
A multi-tenant building develops significant vacancy
What conditions or changes does the proposal require? Review the current occupancy schedule and property protections.
A better submission starts here.
Hedge’s preparation guidance for this placement:
- Provide all locations, actual occupancies, tenancy and vacancy, construction details, protection and property values.
- Identify whether the request is for a package, liability only or property only, and where the other exposures are insured.
- Describe hospitality amenities, public access, losses and contractual insurance requirements.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; we can identify what is missing.
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Paragon Insurance Holdings, LLC [2]
Program administrator
The cited page identifies an exclusive underwriting program but does not disclose one legal issuing insurer or full eligibility matrix. Confirm the carrier and quoted structure for the particular account. [1]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
The practical questions.
How do I get a quote with Paragon Exclusive P&C Program?
Choose “Get a quote with Paragon Exclusive P&C Program” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms. You can review the proposal before making a coverage decision.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The sources used here do not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Is this an independent rating of Paragon Exclusive P&C Program?
No. Hedge is an insurance intermediary and has a commercial interest in helping agents place business. Our commentary explains the placement questions we draw from the cited material. It does not report a customer satisfaction score, firsthand claims experience or an endorsement by Paragon Exclusive P&C Program.
Read what we read.
Product facts were checked against the official material below on November 1, 2026. Our commentary is identified as Hedge’s analysis. Market websites and underwriting terms can change.
- Paragon Exclusive P&C Program official product information ↗Checked November 1, 2026
- Paragon Insurance Holdings operating identity ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.
What stands out, and why it matters.
A package and a monoline quote are not equal comparisons.
The program offers package, monoline GL and monoline property structures. [1]
List the required lines before comparing premiums. If one proposal excludes a line, identify the separate policy that would supply it and how the terms fit together.
Occupancy is more informative than the property’s trade name.
Paragon names habitational, retail, hospitality and professional offices in its stated eligibility. [1]
Describe tenant activities, amenities, vacancy and any mixed use. Two buildings in a broad class can have very different property and premises exposures.
A location schedule should include both values and operations.
The same program is marketed for property and general liability. [1]
Provide construction, protection and valuation alongside visitor, tenant and service activity. A good property description does not replace the information needed to assess the liability proposal.