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

umbrella

Home Β» umbrella
  • Lubbock Texas insurance agent in navy blazer reviewing Texas Commercial Umbrella Policy at mahogany desk with Texas flag behind.
    What Is a Commercial Umbrella Policy for Texas Businesses
    Gallery
    What Is a Commercial Umbrella Policy for Texas Businesses
    Tags: Deductible, Liability, Lubbock Texas, small business owners, umbrella|

    Learn what a commercial umbrella policy is and how it safeguards Texas businesses from major financial losses. Discover its coverage and benefits! Commercial umbrella insurance for Texas small businesses β€” how it works, umbrella vs excess liability, and when your GL limits aren't enough. (806) 798-7800.

    read more
  • West Texas couple stands in front of brick suburban Lubbock home with white pickup at golden hour
    Elon Musk Just Became a TRILLIONAIRE. Here’s the West Texas Insurance Lesson
    Gallery
    Elon Musk Just Became a TRILLIONAIRE. Here’s the West Texas Insurance Lesson
    Tags: BOP, Lubbock Texas, small business owners, umbrella, West Texas|

    Elon Musk just hit $1 trillion; the world's first ever TRILLIONAIRE. Now, let's discuss this real West Texas insurance lesson for Lubbock homes, autos, farms, and small businesses β€” from Ron Hettler, CIC (Certified Insurance Counselor).

    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 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
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
  • Lubbock Texas insurance agent in navy blazer reviewing Texas Commercial Umbrella Policy at mahogany desk with Texas flag behind.
    What Is a Commercial Umbrella Policy for Texas Businesses
    August 4, 2026
  • Middle-aged Lubbock Texas homeowner in navy shirt and glasses reading Hettler Insurance Agency Policy at rustic kitchen table.
    How to Read Your Insurance Policy: a Texas Guide
    August 3, 2026
  • Lubbock Texas family at kitchen table reviewing Hettler policy documents with children playing with toy ambulance nearby.
    What Is Medical Payments Coverage for Texas Families
    July 31, 2026
  • Young Lubbock Texas couple at apartment table reviewing Renters Insurance Policy booklet with Hettler Insurance Agency on laptop.
    What Is Renters Insurance? A Clear Guide for Renters
    July 30, 2026
  • Texas Insurance claims adjuster in navy blouse comparing repair estimate to laptop spreadsheet at wooden home office desk.
    What Is Insurance Indemnity and How Does It Work
    July 29, 2026

Categories


Archives


Facebook Feed

Cover for Hettler Insurance Agency
630
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.

6 hours ago

Hettler Insurance Agency
A single accident. A single lawsuit. A $3 million verdict.Standard $1M/$2M commercial liability limits worked twenty years ago. In today's Texas courts β€” Dallas, Houston, San Antonio, and increasingly Lubbock β€” seven-figure verdicts on slip-and-falls, fleet accidents, and construction disputes are routine. If a claim exceeds your primary policy limit, the balance comes out of your business bank account, your equipment, and in some cases your personal assets.A commercial umbrella policy is the low-cost fix. It sits on top of your general liability and commercial auto coverage and activates the moment those limits are exhausted. And unlike a straight excess liability policy, an umbrella has its own independent insuring agreement β€” meaning it can sometimes cover claims your primary insurer denies (drop-down coverage), and it can span multiple underlying policies under one limit.Here's what most business owners don't realize: $5 million in umbrella coverage almost always costs less than raising each individual underlying policy to $5 million. And when a Lubbock landlord or a Dallas general contractor demands a Certificate of Insurance showing $5M in combined limits before you sign the lease or step on the job site, an umbrella is often the only affordable way to hit that number.Ron Hettler, CIC (Certified Insurance Counselor) walks through what umbrella covers, how it differs from excess liability, what "drop-down coverage" actually means, and why food trucks and two-crew landscapers need it just as much as construction firms. Get Better. Get Hettler.Read the full guide: hettlerinsurance.com/2026/08/04/what-is-a-commercial-umbrella-policy-for-texas-businesses/πŸ“ž (806) 798-7800πŸ“ 4720 S Loop 289, Lubbock, TX 79414#CommercialUmbrella #TexasBusiness #LiabilityInsurance #SmallBusiness #Lubbock #RiskManagement #HettlerInsurance #GetHettler β˜‚οΈ ... See MoreSee Less

What Is a Commercial Umbrella Policy for Texas Businesses

hettlerinsurance.com

TL;DR summary: A commercial umbrella policy provides additional liability coverage that activates once your primary policy limits are exhausted, protecting your business from catastrophic claims. It o...
View on Facebook
· Share

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

Hettler Insurance Agency

9 hours ago

Hettler Insurance Agency
#TacoTuesday β€œTacos are like what the voices of a hundred angels singing Bob Dylan while sitting on rainbows and playing banjos would taste like if that sound were edible." – Isabel Quintero #getbettertogether #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

1 day ago

Hettler Insurance Agency
Fired or Quit: Can you get health insurance? ... 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 Β© 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