Skip to content
NEWS TICKER:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
//
Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
NEWS:
We Moved: New Address at 4720 S Loop 289, Lubbock, Texas
//
Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
//
Danger: FPE Panel Stab-Lok Circuit Breakers
4720 S Loop 289, Lubbock, TX 79414
Mon – Fri: 8:30am to 5pm
Auto, Home, Biz, Life, Health
Insurance in Lubbock, Texas | Car, Auto, Home, Business, Life, Health | 30 Years Experience | Hettler Insurance Agency
  • Home
  • About Us
    • Why Independent Agent
    • Reviews & Testimonials
    • Insurance FAQs
    • Insurance SAQs
    • Insurance Glossary
    • Helpful Links
  • Car Home Quote
  • Life Quote
  • Insurance
    • Auto Insurance
      • Free Auto Insurance Quote
      • Motorsport and ATV Insurance
      • Boat & Watercraft Insurance
      • RV & Mobile Home Insurance
    • Homeowners Insurance
      • Free Home Insurance Quote
      • Renters Insurance
        • Landlord Insurance
      • Condo Insurance
      • Flood Insurance
        • Storm and Hail Insurance
      • Earthquake Insurance
    • Business Insurance
      • Business Owners Policy
        • Commercial Liability Insurance
        • Commercial Property & Auto
        • Workers Comp Insurance
        • Cyber Security Insurance
      • Contractors Insurance
        • General Contractor Remodeler
        • Inland Marine Insurance
        • Builder’s Insurance
          • Carpentry and Cabinets Installer Insurance
        • Electrician Insurance
        • HVAC Contractor Insurance
      • Hotel Insurance
        • Restaurant & Bar Owners
      • Medical Providers Insurance
    • Life/Health Insurance
      • Life insurance
      • Personal Umbrella Insurance
  • Blog | News
    • Lubbock Business News
    • FPE StabLok Breaker Panels
  • Contact
Call (806) 798-7800

contractors

Home » contractors
  • Man in a navy polo and glasses highlighting Texas contractor insurance policy documents at a wood kitchen table with a coffee mug.
    Common Insurance Mistakes for Contractors in Texas
    Gallery
    Common Insurance Mistakes for Contractors in Texas
    Tags: compliance, contractors, Liability, Lubbock Texas, small business owners, workers comp|

    Avoid costly pitfalls in your business. Learn the common insurance mistakes for contractors in Texas and protect your hard work today! The 5 most common contractor insurance mistakes in Texas — coverage limits, subcontractor COIs, tools, completed operations, and CPL.

    read more
  • Small-business owner in navy blouse reviewing Texas general liability policy documents at wooden café table with notebook and pen.
    General Liability Coverage Examples for Small Businesses
    Gallery
    General Liability Coverage Examples for Small Businesses
    Tags: BOP, contractors, Liability, small business owners|

    Discover examples of general liability coverage for small businesses. Learn how this insurance protects against claims and ensures peace of mind. General liability coverage examples — bodily injury, property damage, advertising injury, limits. Ron Hettler, CIC.

    read more
  • Texas contractor in orange safety vest reviewing a Certificate of Insurance at jobsite office with Hettler award on wall.
    The Role of Certificates of Insurance for Contractors
    Gallery
    The Role of Certificates of Insurance for Contractors
    Tags: compliance, contractors, Liability, small business owners|

    Discover the crucial role of certificates of insurance for contractors. Learn how COI's can protect your business and avoid costly misunderstandings. Certificates of insurance protect contractors — but only if you verify endorsements, not just the COI itself. Call (806) 798-7800 for help.

    read more
  • Texas surety bond contractor guide 2026 — Lubbock contractor reviewing bond documents at his desk.
    What is a Texas surety bond? A contractor’s guide
    Gallery
    What is a Texas surety bond? A contractor’s guide
    Tags: bond, compliance, contractors, Lubbock Texas|

    Confused about what is a Texas surety bond? Texas surety bond guide for contractors: license, contract, bonded title & bail bonds explained, plus how to avoid delays and rejected bond forms. This contractor's guide clarifies bond types and requirements to help you succeed.

    read more
  • Texas contractor insurance compliance guide 2026 — Lubbock contractor on a residential job site.
    Texas contractor insurance: Your essential compliance guide
    Gallery
    Texas contractor insurance: Your essential compliance guide
    Tags: bond, compliance, contractors, Liability, Lubbock Texas, small business owners, West Texas|

    Navigate the essential insurance requirements for contractors in Texas. Stay compliant, protect your assets, and focus on your work. Texas contractor insurance compliance guide 2026 — CGL, workers' comp, and performance, payment, and mechanics' lien bonds explained. Get the guide!

    read more
  • Texas small business owner in a cowboy hat shakes hands with a client across a desk in a Lubbock office during a liability coverage review.
    Texas business liability: coverage, compliance, and protection
    Gallery
    Texas business liability: coverage, compliance, and protection
    Tags: contractors, Liability, Lubbock Texas, small business owners|

    Texas doesn't require liability insurance for all businesses, but contracts and permits often do. Learn what coverage you need, who requires it, and how to stay compliant. Insurance for business liability in Texas is not required — but clients, landlords, and permits often do. See what triggers it and how to comply.

    read more
  • West Texas contractor in front of white pickup with open toolbox at Lubbock residential construction site
    5 essential contractor insurance must-haves for West Texas
    Gallery
    5 essential contractor insurance must-haves for West Texas
    Tags: Business Insurance, contractors, Lubbock Texas, small business owners, West Texas|

    Five essential contractor insurance must-haves for West Texas: protect your business, satisfy client requirements, and keep your projects on track. Time to look at general liability, commercial auto, tools, subcontractor coverage, and location savings.

    read more
  • Texas contractor in a hard hat reviewing plans with a crew member outside a Lubbock residential construction site
    What is contractor insurance? Safeguard your Texas business
    Gallery
    What is contractor insurance? Safeguard your Texas business
    Tags: compliance, contractors, Liability, Lubbock Texas, Policy Limits, small business owners, West Texas, workers comp|

    Texas has no statewide contractor insurance mandate — but your clients require it. Texas contractors face unique risks and rules. Learn what contractor insurance covers, what the law requires, and how to protect your business from costly gaps. GL, workers' comp, equipment, and E&O explained by Hettler Insurance.

    read more
  • West Texas small business owner shaking hands with a customer inside a Lubbock retail storefront
    Top Liability Insurance Options for West Texas Small Businesses
    Gallery
    Top Liability Insurance Options for West Texas Small Businesses
    Tags: BOP, contractors, Liability, Lubbock Texas, Policy Limits, savings, small business owners, umbrella, West Texas|

    Compare top liability insurance options for West Texas small businesses. Learn coverage types, costs, and savings strategies to protect your business with confidence. Rates vary 2-5x across carriers. Find real coverage choices and savings at Hettler Insurance.

    read more
  • Texas Commercial Insurance, Smart Protection for your Business | Hettler Insurance Agency, Lubbock Texas, phone 8067987800, address 4720 S Loop 289
    Texas commercial insurance: smart protection for your business
    Gallery
    Texas commercial insurance: smart protection for your business
    Tags: BOP, compliance, contractors, Endorsements, Liability, Lubbock Texas, savings, small business owners, West Texas|

    Learn how Texas commercial insurance works, what coverage your business needs, and how to avoid costly gaps. Expert guidance from Hettler Insurance Agency in Lubbock. Texas lets insurers write custom commercial policies. Avoid the cyber and EPLI gaps, choose the right coverage tier, and bundle smart. Call (806) 798-7800.

    read more
  • Texas Contractor Insurance Compliance Guide | Hettler Insurance Agency, Lubbock Texas, phone 8067987800, address 4720 S Loop 289
    Texas contractor insurance: complete guide for compliance
    Gallery
    Texas contractor insurance: complete guide for compliance
    Tags: contractors, TWIA|

    Contractor insurance guide Texas: match CGL limits, endorsements, and bonds to every contract. Avoid lost bids and denied claims. Call (806) 798-7800. Learn how Texas contractors can meet insurance requirements, match contract demands, and protect their business with the right coverage and endorsements.

    read more
  • Texas Hettler insurance advisor highlighting a printed policy comparison at a downtown Hettler Insurance Agency office desk.
    General Liability Insurance Process for Texas Businesses
    Gallery
    General Liability Insurance Process for Texas Businesses
    Tags: compliance, contractors, Liability, Lubbock Texas, small business owners, umbrella|

    Navigate the general liability insurance process for Texas businesses with confidence. Protect your business and avoid costly legal pitfalls. Learn how now! Apply, buy, and claim without gaps. Get Better. Get Hettler. (806) 798-7800.

    read more
  • Middle-aged woman in a coral blouse highlighting her Texas insurance policy at a black patio table under coral bougainvillea.
    The Role of Insurance Endorsements for Texas Policyholders
    Gallery
    The Role of Insurance Endorsements for Texas Policyholders
    Tags: compliance, contractors, Endorsements, Lubbock Texas, small business owners, Texas Homeowners Insurance, Texas independent insurance agent|

    Discover the vital role of insurance endorsements for Texas policyholders. Learn how to protect your coverage and avoid claim denials. Insurance endorsements for Texas policyholders — how endorsements modify policies, common types, cost, review cadence. Ron Hettler, CIC (certified insurance counselor).

    read more
  • Texas business owner in navy shirt signing Hettler Commercial Policy at glass desk with Dallas skyline behind him. Professional Liability Coverage Types for Texas Businesses
    Professional Liability Coverage Types for Texas Businesses
    Gallery
    Professional Liability Coverage Types for Texas Businesses
    Tags: contractors, Endorsements, Liability, Lubbock Texas, small business owners|

    Explore essential professional liability coverage types for Texas businesses. Choose the right protection to safeguard your enterprise today! Caims-made vs occurrence, E&O, tail coverage, blended policies. (806) 798-7800.

    read more
  • Woman in a light-blue sweater and glasses reading a Texas General Liability Insurance Policy at a coral table with a floral mug.
    General Liability Insurance Explained for Business Owners
    Gallery
    General Liability Insurance Explained for Business Owners
    Tags: BOP, contractors, Liability, Lubbock Texas, small business owners|

    Discover general liability insurance explained clearly for business owners. Protect your assets and ensure your business is covered. What GL (general liability) covers, cost, contract requirements, and the top coverage gaps. Ron Hettler, CIC (certified insurance counselor).

    read more
12Next
Hettler Insurance Agency
Hettler Insurance Agency
4.5
Based on 31 reviews
powered by Google
review us on
blaine bearman
blaine bearman
10:52 03 Nov 22
This was my first time going through an insurance agency, Ron was absolutely amazing!!! I got exactly what I was looking for with Ron's help!! He was very nice and helpful and wanted to help me!! Thank you Ron for this... experience and for helping me get health insurance for my children!! I highly recommend this place for anyone!!!read more
Morgan Cook
Morgan Cook
15:02 24 Jun 22
If you are looking for an insurance agency you can trust, look no further than Hettler Insurance. Meghan and the team are refreshingly professional and easy to work with. I was with my previous insurance agency for two... years, but they were no match for Meghan at Hettler. She was able to find the same policy/coverage with a significantly lower premium (with the potential for even more savings after 90 days). Every one of the staff is courteous, attentive, and helpful. Thanks Meghan and everyone at Hettler!read more
Weijun Huang
Weijun Huang
20:48 01 Jan 20
A friend recommended Hettler Insurance Agency for my family’s health insurance last year. As new immigrants, we got totally lost with what we can choose and how. Mr. Hettler has been so patient to us with full... explanation of the policies and all the guidance we need. We are very thankful to him with the insurance package we get. This is the company where the staff are very friendly and they always know what the customers need.read more
Chuck Lanehart
Chuck Lanehart
02:00 15 Dec 19
Ron Hettler and his staff are the best. I have used Ron for personal and business insurance for 20+ years, with no regrets. Recently he helped me sign up for Medicare supplemental insurance. We spent a good hour going... over the endless inane paperwork, even though I know his compensation for this is next to nothing. Good people, good insurance.read more
See All Reviews
js_loader
  • Popular
  • Recent
  • texas solar ranking
    Solar Powered Homeowners Insurance in Texas
    July 14, 2016
  • 4 Reasons Lubbock Texas is Dangerous
    June 19, 2019
  • Hidden Dangers FPE Panel Stab-Lok Circuit Breakers and Your Home square-ebook-cover | Hettler Insurance Agency, Lubbock Texas, 806-798-7800
    Danger: FPE Panel Stab-Lok Circuit Breakers
    March 19, 2024
  • Lubbock growing
    Top Reasons Lubbock Is The Best Place To Live In 2019
    June 19, 2019
  • Texas Billion-Dollar Disaster Events 1980-2024 CPI Adusted chart, copyright NOAA | Lubbock Texas Hail | Home Insurance in Texas
    Why Texas Home Insurance Rises Every Year? – Video KCBD TV News Lubbock
    August 29, 2024
  • Examples of insurance discounts: a Texas family reviews auto and home insurance papers together at their kitchen island.
    Real Examples of Insurance Discounts You Can Claim Now
    October 13, 2026
  • Life insurance paid by employer: a Lubbock Texas father reviews his benefits certificate at home with his wife and daughter.
    Life Insurance Paid by Employer: What Employees Need to Know
    October 12, 2026
  • Fiduciary coverage review: a Lubbock Texas benefits committee studies a plan binder at a conference table at sunset.
    Fiduciary Coverage for Plan Sponsors: What to Buy
    October 9, 2026
  • Caregiver assisting older adult in Texas facility considering long-term care costs in Texas. What drives your premium?
    Long-Term Care Insurance Costs in Texas: What Drives Premium
    October 8, 2026
  • Consumer directed health plan (CDHP): Lubbock family with an HSA card, prescription, and a growing coin jar at golden hour.
    Consumer Directed Health Plan: Is It Right for You?
    October 7, 2026

Categories


Archives


Facebook Feed

Cover for Hettler Insurance Agency
631
Hettler Insurance Agency

Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

9 hours ago

Hettler Insurance Agency
Are you paying for discounts you never claimed? Many drivers do. Let's see examples of insurance disounts.POLICY DISCOUNTSBundle auto with home or renters, insure more than one vehicle, and keep continuous coverage.DRIVER DISCOUNTSSafe-driver, good-student, defensive driving, low-mileage, and usage-based telematics programs.VEHICLE DISCOUNTSAnti-theft systems, airbags, anti-lock brakes, and newer-model vehicles often qualify.PAYMENT AND MEMBERSHIP DISCOUNTSPaid-in-full, autopay, paperless billing, plus military, employer, and association groups.THE CATCHMany discounts aren't applied automatically. You have to ask, and sometimes provide proof.As an independent agency, we can compare discount structures across multiple carriers in one conversation.Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/10/13/examples-of-insurance-discounts/(806) 798-78004720 S Loop 289, Lubbock, TX 79414#InsuranceDiscounts #AutoInsurance #bundling #safedriver #Lubbock #hettlerinsurance #gethettler 💰 ... See MoreSee Less

Real Examples of Insurance Discounts You Can Claim Now

hettlerinsurance.com

TL;DR summary: Most drivers overpay simply because they never asked for a full discount review. The biggest examples of insurance discounts available to U.S. drivers right now include bundling home an...
View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

Hettler Insurance Agency

12 hours ago

Hettler Insurance Agency
Anxiety is like a rocking chair. It gives you something to do, but it doesn't get you very far - Jodi Picoult..#getbettertogether #freeautoquote#hettlerinsurancedotcom #shoplocal ... See MoreSee Less

Photo

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email

Hettler Insurance Agency is at Lubbock.

12 hours ago

Hettler Insurance Agency
Texas Tech versus Arizona State: 55-35 #hettlerinsurancedotcom #lubbockinsurance #weather #FootballPredictions #texastechfootball ... See MoreSee Less

Video

View on Facebook
· Share

Share on Facebook Share on Twitter Share on Linked In Share by Email


Trusted. Expert. Advisors.

Don’t Do Insurance Alone!
Free Quote
  • 30+ years insurance experience.
  • Need a friend on the inside?
  • We speak insurance-ese.

  • Let us do the hard work FOR you!
  • Get Better, Get Hettler!

Call (806) 798-7800

4720 S Loop 289, Lubbock, TX 79414

Hettler Insurance Agency, Lubbock Texas, (806) 798-7800
  • About Us
  • Why an Agency
  • Insurance FAQs
  • Insurance
  • Blog | News
  • Lubbock Biz News
  • Contact

Copyright © 1992- | Hettler Insurance Agency (License # 9513) | All Rights Reserved | Sitemap | Privacy | Disclaimer | Contact

“This site is intended for general informational and educational use only. It is not exhaustive and should not be construed as professional, financial, medical, or legal advice; or actual specific insurance policy terms. Please contact our insurance professionals online, by phone, or in-person for further specific information to receive a quote or inquire about your own policy if you are a current client. It’s possible that online content may not be complete, correct, or up-to-date due to fluctuations in insurance markets and/or other factors. You agree that if we contact you by phone, mail, or electronically that it’s because you have consented for us to do so.”

Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Consult the actual policy or your agent for details regarding terms, conditions, coverage, exclusions, products, services and programs which may be available to you. Your eligibility for particular products and services is subject to the final determination of underwriting qualifications and acceptance by the insurance underwriting company providing such products or services.

This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Whether coverage exists or does not exist for any particular claim or loss under any policy depends on the facts and circumstances involved in the claim or loss and all applicable policy wording.

Page load link
Go to Top