Our office will be closed on Monday, July 5th.
Stay Safe! Have a happy 4th of July.
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#commercialinsurance #bizinsurance #shoplocal
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.)
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.
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.
Who likes paying for insurance? But, we have to pay for things that we need. True, you pay money monthly or yearly, and you rarely get anything back in return. Only when tragedy strikes do you feel like it was all worth it. The rest of the time, it really does seem like a money pit.
Automobile insurance (car insurance, truck insurance, etc.) is a requirement in just about every state. Many times, we don’t actively use our insurance, but we still have to maintain an insurance policy. So, here’s a top 7 list of things you can do to help get the best auto policy at the lowest price.
Drive-thru insurance? Slide-in or drive-in? Or, please, just pull up to the window! (We have the only drive-thru insurance agency in Lubbock, Texas).
We do the shopping, so you don’t have to. We work for you, not the insurance company.
GetHettler.com (806) 798-7800 M-F 8:30am-5pm. Hettler Insurance Agency, 4432 S Loop 289, Lubbock, TX 79414. Call, text, online, drive-thru.
#freeautoquote #getbettertogether #shoplocal #hettlerinsurancedotcom
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Hettler Insurance Agency
Ron Hettler
4432 S Loop 289
Lubbock, TX 79414
