Archive for the ‘business insurance’ Category

Protecting Your Property for Storms in Lubbock

Tuesday, December 6th, 2016

Now that the year is almost over, it’s time to evaluate 2016’s storm season in Lubbock and the greater south plains. We interviewed Joel Mowery, Co-Owner of SERVPRO of Southwest Lubbock. Together with Ron Hettler, President of Hettler Insurance, we have two experts on protecting property and restoring what is lost after a disaster. The…Read More

Business Owners Need Workers’ Compensation Too

Tuesday, August 2nd, 2016

Most of the business owners around Lubbock I deal with exclude coverage for themselves and other owners in their workers’ compensation policy. It seems that many owners don’t like the idea of getting hurt or don’t believe that an accident will befall them. Group Health Insurance Excludes Workplace Injuries Perhaps some of them believe that if…Read More

How will Open Carry Affect Insurance for Texas Businesses?

Wednesday, February 17th, 2016

Open carry legislation went into effect in Texas on January 1, 2016. This means that ordinary citizens with an existing concealed handgun license, can openly carry their firearms in public. There are several exceptions, including college campuses, federal and state owned land and in businesses that overtly prohibit open carry. While Texas is by no…Read More

Do Businesses Need Terrorism Insurance in Texas?

Thursday, January 21st, 2016

Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked by the 14 people killed last December in San…Read More

The Minimum Insurance You Need as an Entrepreneur

Wednesday, January 13th, 2016

If you start reading about all the types of insurance on the market for a business, you might become overwhelmed. It’s a rookie mistake to forgo insurance, thinking coverage for a new business is an unnecessary expense. Instead, let’s look at the minimum amount of insurance an entrepreneur should carry. Note the types and amount…Read More

Avoid ACR & Save on Group Health Plans for 2016

Tuesday, December 1st, 2015

As you surely know by now, small employers in Texas are facing a series of changes under the Affordable Care Act. Some of these changes center around the Adjusted Community Rating (ACR), which went into effect in January of 2014. So far, it’s affected small businesses with 1 to 50 employees. But starting in 2016,…Read More

Are Exorcisms, Ghosts and Werewolves Covered by Insurance?

Tuesday, October 28th, 2014

And Other Scary Insurance Questions With Halloween just around the corner, you may have questions regarding the mishaps and creatures in many horror movies. While we can’t answer why the villain won’t utter a word or how the characters always die so easily, we can answer your insurance questions regarding the haunting of Halloween. We…Read More

Could Lubbock, TX be the next Moore, OK?

Wednesday, July 31st, 2013

Tornado!  The mere word conjures up fear.  Lubbock, TX has experienced 92 tornadoes over the past 56 years according to http://www.tornadohistoryproject.com/tornado/Texas/Lubbock  Lubbock averages more than one tornado in the county each year.  So there’s no question that we have an abundance of activity that regularly strikes our town. On May 11, 1970, Lubbock experienced its…Read More

Contractor’s Insurance

Wednesday, September 14th, 2011

Hettler Insurance is excited to announce that in August, 3 contracting companies with total sales approximating $7,000,000 were added to their client list.  We used multiple carriers to develop programs for these companies including Texas Mutual, Travelers, Hartford, and Unitrin.  Placement included workers’ compensation, general and umbrella liability, bonds, and business automobile covers.  More and more clients are choosing…Read More

Which Deductible Should I Buy?

Monday, July 4th, 2011

Low deductibles are great when the claim occurs but rarely are they the best long term decision. O.K.  Let’s start this discussion with a trip to Las Vegas.  Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you.   See this decision is…Read More

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