Residential Remodeler Insurance General Contractor | Hettler Insurance Agency, Lubbock Texas

Work With A Local Insurance Agency That Covers Texas Remodelers

General Contractor & Interior Remodeler Insurance in Texas

Our comprehensive and affordable remodelers insurance coverage might just make you raise the roof! No joke, our local independent insurance agency understands your needs and has decades of experience crafting the perfect policies for independent contractors, limited liability companies to corporations.

Interior construction is complicated, highly-detailed work that often turns up nasty surprises. From plumbing issues to asbestos, mold and structural flaws, you might just be the master of managing unexpected events. But even the best prepared contractors need help, and you can’t possibly prevent every incident from occurring.

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General Contractor Remodeler Insurance | Hettler Insurance Agency, Lubbock Texas

Affordability + Comprehensive Coverage

Customized Policies for the Perfect Balance

Experienced remodeling professionals to those just starting out need insurance. Effective coverage offers protection against lawsuits and devastating financial hardship due to circumstances you can’t always control, like injured employees and disgruntled clients. Even riskier, your day-to-day work involves other contractors, which further increases the chances of liability issues. Fire a subcontractor for a legitimate reason and retaliation could result in vandalized property or stolen tools. Worse, the project quality could suffer under a subcontractor and your business could be held professionally liable. If your business relies on general contractors, note that Texas allows owners to sue subcontractors directly, meaning adequate insurance coverage is critical.

Finally, most remodelers work at a client’s property, which exposes your service to third-party injury and property damage risks. Your work could affect electrical, plumbing, or other parts of a home. Your project could be falsely blamed for damages and you would still be required to fight in court.

Consider that Texas has a Statute of Repose for 10 years, which means a homeowner can sue for construction defects up to a decade after a project is complete. How many projects will your business complete in 10 years? Each project could be at risk of a civil claim.

General Contractor Remodeler Insurance | Hettler Insurance Agency, Lubbock Texas

Testimonial from Owner of KJ Works

Company: KJ Works

Policies with HIA: General Liability, Contractors Policy, Inland Marine, Commmercial Auto and Worker’s Comp.

Industry: Residential and Commercial Construction

Working with Hettler Insurance Agency has made my life less stressful in various ways. I was switching over from a previous insurance company and they made sure to find me the best prices that would benefit me in the long run. If I ever have any questions about anything regarding my policies, HIA is very easy to get in contact with.
JUSTIN KORB, CEO, KJ Works

Commercial Liability Insurance

General Liability insurance (a.k.a. commercial liability insurance) protects your business from property damage, bodily injury claims, and advertising liability. In Texas it’s essential, and with the right policy you can cover most medical expenses, attorney fees, settlements, and other reimbursements if you’re found liable. We also offer additional protection like premises, fire, and casualty coverage depending on your circumstances.

Using your personal vehicle insurance to cover transporting equipment and materials between worksites is never a good idea. Commercial Auto Insurance provides needed protection against damages due to an accident, personal injury, or property damage. Your vehicle is just as likely to be involved in an accident as any other car on the road, so don’t take chances and expose yourself to costly liability.

Workers Comp Insurance helps protect your employees and your business from the costs associated with a workplace injury or sickness. This coverage includes medical bills and recovery costs plus missed wages. In case an injury or illness results in death, this can also provide much needed help for the family with funeral costs or death benefits. Workers comp can also help cover legal expenses if an employee sues the business over an injury that isn’t covered by the policy.

You’re an expert in your field, and make a living off your expertise. This also puts you at greater risk for lawsuits regarding failure to deliver promised services, negligence, incomplete work, and certain errors or oversights. Professional Liability Insurance helps protect your business by covering the costs of a lawsuit.

Lastly, Commercial Property Insurance covers your office from fire, theft, or vandalism damages. This essential coverage helps you get back on your feet when the unthinkable happens by quickly replacing your damaged or stolen business assets. There are several special types of property insurance policies, and each policy offers various benefits depending on your business. A Contractor’s Equipment policy is designed to replace damaged, lost, or stolen equipment. An Inland Marine Insurance policy helps protect your tools, materials and supplies in transit. A third type, Builder’s Risk Insurance helps cover damage to property during construction. Sound confusing? No worries, we can help you determine the type of property coverage that’s best for you.

Choose Your Insurance Type!

Vehicle Insurance

Insurance protection for the vehicles that matter most to you.

– Auto Insurance – We insure thousands of cars, trucks, vans, and commercial vehicles used in all types of businesses.
– Motorcycle Insurance – Start your Motorcycle riding experience with insurance through Hettler.
– ATV and Motorsport Insurance – Does it have a key? Is it a dirt bike? We have a program to cover it.
– Classic Car Insurance – Classics and antique vehicles require special coverages. We represent a couple of different carriers to cover them.
– RV and Mobile Home Insurance – Big values traveling down the road? No problem. We handle the big risks all the time.
– Boat and Watercraft Insurance – We cover boats of all sizes.

Property Insurance

Insurance protection for the property that matters most to you.

– Homeowners Insurance – Your home is your castle. Protect your most valuable asset with quality coverage.
– Condo Insurance – Condos are a little different. Call us to get your specialized coverage!
– Renters Insurance – Fires in apartments and rental homes are way too common. Renter’s coverage is really reasonably priced.
– Landlord Protection ™ – Renting your home? Protect yourself with landlord insurance.
– Flood Insurance – You have to have a separate policy to cover flood… It can happen even here in the desert.
– Storm & Hail Insurance – Texas has had thirty-six $100,000,000 or larger disasters from severe storms in the past 25 years and more than 80% of the time, hail was to blame for the damage.
– Earthquake Insurance – Earthquakes have occurred in 39 states since 1900, and about 90% of Americans live in areas considered seismically active. Most home insurance policies do not cover earthquake damage. Good news, earthquake insurance can be inexpensive.

Commercial & Business Insurance

Coverage that helps protect your business

– Business Owners Policy (BOP) – Lubbock County is in the top 10 for commercial property damage due to wind, hail and dust storms; and the top 10 for commercial auto comprehensive claims due to weather; and the top 10 for lightning storm damage.
– General Liability Insurance (GL) – Insurance coverage for when you or your products hurt someone or damage property.
– Commercial Property Insurance – Coverage against Fire, Wind, Hail, and many other perils.
– Business Auto Insurance – Cover your business with insurance for commercial and business vehicles.
– Commercial Liability Insurance – also known as “general liability insurance” is a broad policy that covers a number of liability exposures of a business. Business liability insurance is often the first line of defense against lawsuits from customers, allowing an owner to protect both personal and business assets.
– Commercial Umbrella Insurance – Insurance coverage that gives an extra layer of liability protection from the rising costs of lawsuits.
– Workers’ Compensation Insurance (workers comp) – Medical bills and lost income Insurance coverage that helps you take care of injured employees.
– Cyber Security Insurance – In an era of leaked embarrassing online photos, confidential emails and digitally internet connected employees and customers, it’s no wonder businesses (of all sizes) are rushing to cover themselves with cyber liability insurance.
– Surety Bonds – Get your notary bond, your contractor’s bond, your bid bond, or your performance bond from Hettler Insurance Agency.
– Contractor’s Insurance – Many contractors operate out of the home and may not require commercial property insurance. Instead, contractors typically perform work at the customer’s location. This can be a residential home, a construction site or a commercial property.
– Builder’s Insurance – With a good Builder’s Risk policy, the structure, materials and equipment are protected from theft, vandalism and weather damage during the construction phase.

Life/Health Insurance

Insurance protection for your family’s health.

– Health Insurance – Insurance for you, your family, and your pocketbook. Uncovered medical costs can bankrupt you.
– Personal Umbrella Insurance – An umbrella policy provides additional layers of liability protection. If the liability limits are exhausted on your home, auto, or other underlying insurance policy, your umbrella insurance policy takes over and provides you with additional protection. You may need this in case of a car wreck involving a fatality, etc. For a minimal cost, you can protect your assets, and your future earnings.
– Whole Life Insurance – Life insurance coverage designed to be there for your whole life.
– Term Life Insurance – Insurance protection to help keep your family secure for a specific period of time.