Dentist Insurance | Medical Providers Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

Protect Your Practice with Medical Providers Insurance

Medical Providers Insurance in Texas

Nearly 650,000 medical providers make their home in Texas, including 8,420 dentists, 2,150 chiropractors, and 18,860 physicians and surgeons. Texans depend on them for their health. Medical providers depend on their insurers to keep their practices safe and compliant.

Medical malpractice insurance is a must for most healthcare providers, and is best handled by specialized agencies licensed in Texas. However, a healthcare professional is exposed to many more risks not covered by medical malpractice. Those risks are increasing, as natural disasters and cyber-attacks targeting sensitive health data are on the rise.

An independent agency is better equipped to cover these insurance risks with cyber security and commercial property coverage. HIA has more carrier options and agents that are focused on non-malpractice policies. Get a better quote at less cost.

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Emergency Trauma Center | Medical Providers Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas

Types of Coverage for Medical Providers Insurance

The State of Texas defines a “health care provider” as a hospital, registered nurse, dentist, podiatrist, chiropractor, optometrist, pharmacist, veterinarian, kidney dialysis center, blood bank, nursing home, assisted living facility, and/or physician. Sufficient coverage is important for both private practice and larger healthcare institutions. Commercial insurance can be required if you accept Medicare or Medicaid.

Choose Hettler to Insure Your Healthcare Practice
Hettler is a full-service insurance agency and has worked with large and small medical providers throughout Texas. Our expertise is for all commercial coverage, including property, workers comp, business interruption, cyber liability, and commercial auto. Whether you face a hurricane evacuation or experience a sharps accident with an employee, Hettler has you covered.

Emergency Trauma Center | Medical Providers Insurance | Hettler Insurance Agency, Lubbock Insurance, Texas
All building owners in Texas are facing an increased risk of damage from hail, hurricanes and flooding. Owners of medical offices tend to have higher costs of remediation. Buildings that provide inpatient care require a sterile, clean environment. Business interruption coverage is strongly recommended and replaces lost income during a remodel, which could take months to restore.

Depending on the office location and whether it is leased, fully owned or mortgaged, a commercial building policy can be required by the loan issuer or building owner.

Healthcare providers of every type have complex and valuable assets. Equipment that is critical to performing service from an ambulance to a dialysis machine. Medical practices require higher business property limits to insure against theft, malfunctions and damage from a fire or natural disaster.
Healthcare providers across the country are responsible for upholding HIPAA, the Health Insurance Portability and Accountability Act of 1996. This means that ensuring the confidentiality of medical records is crucial, and any breaches result in enormous penalties. Digital patient records to financial transactions are at risk of being uncovered. Whether data is stored on site or hosted in the cloud, cyber policies provide coverage for backups, data recovery, and liability after a breach.

Even small family doctors are becoming the target of sophisticated phishing scams. These attacks are becoming more expensive and can damage a professional’s reputation, not unlike a medical malpractice claim.

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.