(a) An insurer may cancel general liability insurance policies and commercial automobile insurance policies to which this section applies by providing the notice required by Insurance Code §551.053, concerning Written Notice of Cancellation Required, except as provided by §5.7014 of this title (relating to Exceptions to Cancellations and Nonrenewal Notice Requirements for General Liability and Certain Automobile Insurance Policies).(b) General liability insurance policies and automobile insurance policies to which this section applies must be renewed at expiration, at the option of the policyholder, unless the company has provided the written notice required by Insurance Code §551.054, concerning Written Notice of Nonrenewal Required, or by Insurance Code §551.1053, concerning Mandatory Nonrenewal of Private Passenger Automobile Insurance Policies. If the insured does not pay the renewal premium when due, the insurer's obligation to renew terminates on the policy's expiration date, regardless of whether the company has given notice of nonrenewal.(c) An insurer may comply with this section by requiring or permitting its agent to notify the policyholder. However, it is the insurer's responsibility to give notice to the policyholder if the agent fails to notify the policyholder.