From businessmen, businesswomen, owners, leaders, and professionals. Representing specific classifications of businesses inside the Lubbock Business Association, in the Lubbock, Texas area. Committed to promoting the economic growth of this Lubbock business community.
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How insurance shields Texas homes from hailstorms
Texas led the U.S. with 878 hail events in 2024. Learn how homeowners insurance covers hail damage, how deductibles work, and how to file a strong claim in Texas. How does your home insurance policy respond, what coastal rules apply, and how to file a smarter claim.
How to insure commercial vehicles in Texas: a complete guide
Discover how to insure commercial vehicles in Texas with our complete guide. Protect your business and avoid costly mistakes today! Texas business owners: if your vehicle is 50%+ business use, your personal auto policy won't cover it. See when commercial auto is required and how to save.
Texas insurance agents: protecting your home in 2026
Learn how Texas insurance agents personalize coverage, manage premiums from $1,200 to $5,000, and guide you through claims for weather-related risks. Texas insurance agents do far more than sell policies — their role is to: personalize coverage for wind, hail, and flood risk, handle TWIA and NFIP, prevent under-insurance, and advocate during claims. Learn what a licensed agent actually does for your Texas home with Ron Hettler, CIC.
Business Owners Policy: Texas Small Business Guide
Learn what a Business Owners Policy (BOP) covers, who qualifies in Texas, key exclusions (flood, hail, cyber), and how to customize your BOP for Texas-specific risks like hail and flood. A Business Owners Policy bundles general liability, commercial property, and business interruption into one policy — usually at a 15–30% discount. Know the endorsements every Texas small business should consider.
Hettler Cup 2026 Golf Tournament [see update]
Hettler Cup 2026 (15th Annual) Golf Tournament: June 27th & 28th, 2026, in Lubbock, Texas. Rawls MGA vs. Lakeridge MGA (2025 record was 8 vs 6). Two clubs compete in one of the few match-play events in West Texas. (36-hole match play golf tournament). Friday 6:00pm, June 26th, 2026 @ Lakeridge club: banquet, pairings, and drinks. Saturday @ The Rawls Course 9am-11:30am. Sunday @ The Lakeridge Course 8am-11am.
Texas restaurant insurance: A step-by-step guide for owners
Restaurant insurance guide for Texas owners can build a complete insurance plan covering liability, workers' comp, liquor liability, and more. Step-by-step guidance from Hettler Insurance Agency. Texas restaurant insurance is more than the legal minimum. Learn the top risks, every coverage type to evaluate (general liability, workers' comp, BOP, liquor liability, property, cyber, spoilage), and the 4-step plan to build the right policy mix with Ron Hettler, CIC.
Business Community Member Highlight
Protecting All of Texas
When your home is damaged, destroyed or a lawsuit happens on your property, getting the claim settled smoothly and fairly is the highest priority. Hettler Insurance Agency has served homeowners in Lubbock since 1992. Our family of independent agents and Certified Insurance Counselors provide a valuable combination of tailored coverage, quality service, and fair pricing.
We Insure All Kinds of Homes
HIA currently represents more than a dozen top carriers including: Progressive, Safeco, Travelers, Hartford, Metlife, Hippo and StateAuto. Whether you live in city limits or on a ranch in the country, only HIA is able to deliver a customized policy fit to your needs. A rented apartment, condominium, mobile home, or tiny house, typically require different policies, but can still be covered by our team and insurance partners.
Lubbock – Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list – as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home (I know that sounds obvious). Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you and your family.