In honor of the Labor Day holiday, Hettler Insurance Agency in Lubbock, Texas, will be closed on Monday, September 6th. We’ll be back in the office the next day (Tuesday) to help with Lubbock insurance, and all of Texas.
What is Labor Day
Labor Day in 2021 is observed on Monday, September 6th (yes, for small business owners too). Labor Day is an annual U.S. federal holiday set for the first Monday of each September. This day commemorates the U.S. labor movement and its achievements for American workers. Labor Day is a three-day weekend traditionally marking the conclusion of the summer season. (Memorial Day weekend begins the summer season.)
Are you protected from large claims and lawsuits?
Umbrella liability insurance can be protection for your assets from large claims or lawsuits. Do you like to plan ahead for your financial protection? You might want to consider purchasing umbrella liability insurance. Remember, insurance is about managing your risks.
Keep reading for seven benefits of an umbrella liability insurance policy. Maybe the time is right for you to get an “umbrella” to protect yourself for a rainy day.
Our office will be closed on Monday, July 5th.
Stay Safe! Have a happy 4th of July.
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In honor of Memorial Day, we’ll be closed on Monday, May 31st. But, we’ll be back in the office the next day (Tuesday).
Memorial Day (a.k.a. Decoration Day) is a federal holiday marked annually on the last Monday of May. Memorial Day is a day that honors and remembers only those men and women who have died (lost their life) while serving in the military while protecting the Constitution of the United States of America. Please don’t let their ultimate sacrifice be in vain. (In contrast, Veterans Day honors all military members who have served.)
Why it matters to you and your community.
But, how small is small?
The definition of a small business varies drastically depending on which organization, group, or government agency you ask. Generally, though (and the SBA leaves lots of wiggle room), it is an independently-owned business with fewer than 500 employees that earns less than $1 million per year in combined revenue and sales, Fundera. In the U.S., there are 28 million small businesses. And, “small biz” makes up the vast majority (99.7%) of America’s total number of businesses. It is said that the United States’ economy couldn’t survive without small businesses.
What does homeowners insurance have to do with Ladder Safety Month?
Well… falling from a ladder is fairly common (annually, 500,000 people are treated). People often assume that their homeowners insurance covers anything that happens in and around their home, including the people living inside. There are some limits. A home insurance policy is designed to cover your home and belongings (things), and the injuries of guests. If household members are injured in the home, then they probably won’t be covered. The policy isn’t designed to protect your own body. It’s designed to protect against liability and belongings.
Home improvement and return on investment (ROI). Do these two things go together? – [see infographic below]
We all have a few little things that we’d like to change about our home, right? But, have you considered that not all improvements are actually financially wise. Consider your Return On Investment (ROI). Just because it’s a significant home improvement doesn’t mean that it will pay for itself at sale time, unless you can do the work yourself. Worse yet, some home improvements are more “upside-down” than others.
Question: What if we have a small mixed-breed dog that sometimes nips at people. He’s never really bitten anyone quite hard enough to break the skin. But, what if a true bite occurs? We’re concerned about our liability. We wonder if our homeowner’s insurance policy will protect us, then.
Do you own a small business / SMB? Your cost of offering health insurance is a huge cost of business for any company. And, it can be an even bigger hassle for small business company owners when securing business insurance. With the continued rise of premiums, many smaller businesses may have to force the extra expense onto their employees.