Posts Tagged ‘texas independent agent’

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

Shop Your Auto Insurance Early

Monday, September 17th, 2012

Strange as it sounds, many auto insurance companies give discounts to customers if they request a quote weeks in advance of the date they purchase their new policy. Yes I know that each discount has to be actuarialy sound but this one is suspect.  The discount tells me that people who take care of business…Read More

Darwinian Insurance Underwriting = Extinct Dog Breeds?

Friday, March 9th, 2012

Some dog breeds would become extinct if insurance company underwriters had their druthers.  (I love that word.)  Here’s why: The legal climate around dog bites is so bad that their owners almost are always responsible for the actions of their pets.  Insurance companies have responded to the nearly $360,000,000 in annual claims for bites by installing Darwinian underwriting. …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

Strange but True Auto Insurance Claim

Thursday, September 1st, 2011

My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced.  It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun.  Either while attempting to catch the gun or upon the…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

New Client’s Home and Auto Insurance savings are $1,300 HUGE!

Tuesday, June 28th, 2011

So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance.  He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy.  I didn’t know what he was paying…Read More

Uninsured Motorists covers MORE than you think

Monday, June 27th, 2011

Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident.  But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it. One of the most overlooked aspects of the coverage is…Read More

Should you shop your Auto Insurance and Home Insurance coverage together?

Sunday, June 26th, 2011

We get calls all the time from families wanting us to shop their auto insurance.  We put all the information into the rating program and get quotes back from up to 8 companies.  But many times the substantial savings that we show the customer is “eaten up” by the loss of a multi-policy discount on…Read More

The Best Way to purchase Auto Insurance

Saturday, June 25th, 2011

So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….”  It’s hard to figure out the methods to buy auto insurance but let me go through the options.   (Editor’s Note:  I do business…Read More

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