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Business Owner’s Policy in Texas

As a business owner, you strive to make decisions that are right for your business, your employees and yourself. You know you need to protect your business, in certain areas. You don’t, however, have time to become an expert in business insurance. That’s where Hettler Insurance Agency can help. We’ve got decades of experience, and hey, we’re a business too.

A Business Owners Policy (BOP) combines property, general liability and business interruption coverage for small to mid-sized businesses. This packaged coverage is generally less expensive than purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs.

Business interruption coverage is an important component to a BOP, and can’t be purchased separately. Connected to your commercial property policy, it covers loss of business income following a natural disaster or other qualifying event.

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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.
Perhaps your online only business is prone to a data breach or cyber attack. Or, you need to add commercial auto insurance, with employees frequently driving on the job. Whether you are a home-based business, small service provider or contractor, Hettler Insurance Agency will work with you to find the right combination of business insurance coverage to meet your specific needs.
Extended liability for additional insureds
Worker’s compensation options
Property in transit: Protect inventory traveling cross-state, even internationally. (Ever hear of “inland marine”?)
Spoilage coverage for restaurants and caterers
Debris removal coverage: After extensive flood/fire damage, get coverage for debris removal/cleanup.
Valuable records protection: Recommended for professionals: lawyers, accountants, consultants, etc. Data can be electronic or paper documents.

Hettler Insurance Agency, in Lubbock, Texas, works with multiple carriers for Business Owner’s Policy. Ultimately, this allows our team to tailor a custom BOP to your coverage needs and budget. Not every business will qualify for a BOP, each carrier has different annual revenue limits and some offer affordable coverage to certain categories of businesses. Find out if you qualify.
Some of our insurance carrier partners include: Progressive Commercial Insurance, Merchants Insurance Group, Travelers Business Insurance, CNA.

For 30+ years, HIA has advised many businesses in Lubbock and greater West Texas on coverage, laws and claims. In addition to creating BPO policies, HIA also provides:

Loss Prevention Programs: With our carrier partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.
Quick Claim Response: When you do have a claim and need fast and fair service, we work with you to make that happen. HIA has a record of settling claims fairly and promptly.
Competitive Rates: Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.

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.