A business insurance audit is not an investigation — it's a routine check that your premium matches your actual operations. Ron Hettler, CIC explains what triggers a Texas audit, the documents you need, how workers' comp and general liability audits differ, and the classification mistakes that cost businesses thousands.

Optimize your Texas Business Owners Policy Workflow with a proven 5-stage workflow for better coverage and peace of mind: — data collection, coverage selection, endorsement review, binding, and verification. Ron Hettler, CIC explains how Lubbock business owners close coverage gaps and use the declarations page as their single source of truth. Avoid gaps and confidently manage your insurance process today!

Open carry legislation went into effect in Texas on January 1, 2016. This means that ordinary citizens with an existing concealed handgun license, can openly carry their firearms in public. There are several exceptions, including college campuses, federal and state owned land and in businesses that overtly prohibit open carry. While Texas is by no means the first state to allow open carry, it’s the […]

If you start reading about all the types of insurance on the market for a business, you might become overwhelmed. It’s a rookie mistake to forgo insurance, thinking coverage for a new business is an unnecessary expense. Instead, let’s look at the minimum amount of insurance an entrepreneur should carry. Note the types and amount you should carry depend on your industry, location and the […]

You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible. The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”. You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon.