Boutique Driskill Hotel | Hotel Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

Hotel Insurance Policy From A Local, Independent Agency

Comprehensive & Affordable Coverage for Texas Hotels

We understand the challenges of running a roadside motel in San Angelo to the risks of building a new chain in Fort Worth to remodeling a historic building into a boutique inn. Hettler Insurance works with independent hotel owners and franchise investors and offers security at a fair price. Get a free quote and compare our policy to other options. We promise a comprehensive policy with low deductibles and friendly service.

Risks & Requirements
Whether you operate a luxury 4-star hotel, a bed & breakfast or cabin rentals, the hospitality industry requires similar protection. The amount of coverage is often what changes based on the age of the property, employee headcount and number of rooms.

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Flooded Marriott Hotel | Hotel Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

Business Owner’s Policy

Due to the number of risks, a customized BOP is recommended for the hospitality industry. BOP’s package several policies together, providing an umbrella of coverage at a bundled rate. Included in a BOP (Business Owners Policy) is protection from fires, theft and general liability. The building and property are covered from a loss and the business is protected from lawsuits. Hettler works with hoteliers to determine the cost of a total loss.

Critical to this process is Actual Cash Value vs. Replacement Cost. If your hotel experiences a total loss, would you like a check for replacing at current market prices or a check for the remaining life of facilities? Choosing the wrong option could leave you without the financial ability to continue operations.

Real World Claim
A recent fire affecting a hotel in South Texas shows the value of adequate coverage. The Holiday Inn Express in Falfurrias, TX, owned by the Bhaka family went up in flames in the summer of 2018. Total insured loss was valued at $5 million.

Flooded Marriott Hotel | Hotel Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

Texas is becoming infamous for mega-hurricanes, damaging hail storms, flash flooding and tornados, depending on the location in our massive state! Several natural disasters require separate policies, don’t assume you are covered.

Receiving financial support after a natural disaster offers another benefit for the hospitality industry. Hotels are often at full capacity as displaced residents and volunteers help communities rebuild. Turn on the no-vacancy sign and become a shelter after a disaster.

Hotels tend to employ an army of front desk clerks, maids, kitchen staff, bellhops and maintenance contractors. Although not required in Texas, operating a hotel without worker’s compensation (workers comp) can quickly become a financial burden.

Due to the size of staff, 24/7 operation and diversity of duties, accidents are likely to happen. Worker’s compensation also protects hotels from wrongful death lawsuits and provides a safety net for employees.

If your workforce is more than 50 full-time employees in Texas, not providing group health insurance delivers a severe penalty. While most local hotel operations employ many part-time workers, group health insurance is an important benefit and key to attracting employees.

Hettler works with multiple carriers to build affordable group policies for family motel operations to franchise hotel chains. If you meet the requirements, a tax benefit is possible, making group health affordable.

Recommended for small hoteliers to large franchise hotels are professional E&O policies. Do you frequently host conferences and corporate meetings onsite? How about weddings and other large gatherings? Are third-party vendors involved including caterers, DJ’s and event planners?

Employee errors could happen such as double-booking rooms, inadequate Wi-FI, catering shortages, and more. If your hotel is entering a contract with businesses and vendors, your hotel could be liable for failure of service.

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.

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.