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.

Discover what an insurance premium is and learn how Texas homeowners and businesses can navigate high costs while finding savings. Why Texas insurance premiums run nearly double the national average — and the real levers Lubbock Texas homeowners and businesses use to lower them.

Learn how independent insurance agents in Texas help homeowners and small businesses get better coverage, navigate hail risks, and control rising premiums. Why Texas homeowners and businesses choose independent insurance agents: 30+ carriers, hail-claim advocacy, and no client fees. Call (806) 798-7800.

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.

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.

Explore health insurance options for Texas small businesses with under 50 employees. Learn about group plans, HRAs, tax credits, Lubbock-area solutions, ICHRA, QSEHRA, and MEC. Lubbock and West Texas employer guidance from Hettler.

The 11th annual Hettler Cup golf tournament. August 27th (Saturday, 9 am @ Rawls) & 28th (Sunday @ Lakeridge), 2022. Rawls versus Lakeridge. Over 30 golfers compete in one of the few match-play events in West Texas. 🏌️ Pairings party and dinner at The Rawls Course on Friday night (August 26th @ 6:30 pm). We honor the passing of Stacey Martin, long-time player and organizer. […]

Our office will be closed on Monday, July 5th. Stay Safe! Have a happy 4th of July. . . #lubbockinsurance #getbettertogether #freeautoquote #hettlerinsurancedotcom #commercialinsurance #bizinsurance #shoplocal

Why it matters to you and your community. But, how small is small? The definition of a small business varies drastically depending on which organization, group, or government agency you ask. Generally, though (and the SBA leaves lots of wiggle room), it is an independently-owned business with fewer than 500 employees that earns less than $1 million per year in combined revenue and sales, Fundera. […]

“License and registration please.” Four words no one ever wants to hear. But sometimes even the best drivers exceed the speed limit and find themselves facing a massive ticket. Other than an unexpected dent to your wallet and points on your driving record, how else can a speeding ticket negatively impact you?

This article has been updated for 2019, as there is always something new happening in Lubbock! Picture the perfect, melt-in-your-mouth Texas brisket –smoked low and slow creating juicy meat and no sauce. Now picture a recipe for the ideal Texas community–one part big city living with small-town southern charm, sprinkled with a love of college football, a robust economy and unmatched outdoor beauty, and you […]

Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to your property, health, or others during a collision, theft or natural […]

According to the Lubbock county clerk, “millions and millions” of marriages have been performed in Lubbock County since its incorporation in 1881. You can even find Buddy Holly’s marriage certificate in the hard copies on file at the courthouse. The mechanics of maintaining all of these hard copies, and of building digital databases is enormous.