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Common Insurance Mistakes for Contractors in Texas
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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.

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How to Choose Commercial Insurance for Small Businesses
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How to Choose Commercial Insurance for Small Businesses
Tags: BOP, Liability, Lubbock Texas, small business owners, workers comp|
Learn how to choose commercial insurance that protects your small business from risks. Understand coverage types and cost to ensure security - BOP, requirements, comparison, review cadence. Ron Hettler, CIC (certified insurance counselor).

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Texas Commercial Insurance Checklist for 2026
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Texas Commercial Insurance Checklist for 2026
Tags: BOP, Liability, Lubbock Texas, small business owners, workers comp|
Secure your business with our Texas commercial insurance checklist for 2026. Identify essential policies and cover risks effectively. BOP, GL, workers' comp, cyber, EPLI. Close coverage gaps before claims. Ron Hettler, CIC.

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Insurance Tips for New Business Owners: 2026 Guide
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Insurance Tips for New Business Owners: 2026 Guide
Tags: Liability, Lubbock Texas, small business owners, workers comp|
Discover essential insurance tips for new business owners in this 2026 guide. Protect your assets and avoid costly mistakes. New business insurance guide 2026 — GL, workers' comp, E&O, cyber, BOP, and the 'call before you sign' rule. Ron Hettler, CIC. (806) 798-7800.

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Texas small business guide to general liability insurance
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Texas small business guide to general liability insurance
Tags: Liability, Lubbock Texas, small business owners, West Texas, workers comp|
Discover what is general liability insurance and how it protects your Texas small business from costly risks. Understand your coverage needs! Texas small business guide to general liability insurance 2026 — what GL covers, when it's required, real costs, and coverage gaps to close.

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Texas restaurant insurance: A step-by-step guide for owners
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Texas restaurant insurance: A step-by-step guide for owners
Tags: BOP, Liability, Lubbock Texas, TWIA, workers comp|
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.

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What is contractor insurance? Safeguard your Texas business
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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.

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Hettler Insurance Agency

4.5

Based on 31 reviews

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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

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

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

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

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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

"MY HOME INSURANCE JUST AUTO-RENEWED" — and that is exactly why so many Texas homeowners overpay by $400 to $1,500 a year and end up underinsured when a storm hits. Ron Hettler, CIC (Certified Insurance Counselor) walks you through the renewal season game plan we use with our own clients:🏠 YES, YOUR POLICY AUTO-RENEWSTexas law requires your carrier to send a renewal notice 30-60 days before your policy expires. Most homeowners glance at the new premium, sigh, and do nothing. That silence is the auto-renewal. And it's costing you money AND coverage.📋 STEP 1 — GATHER THE FOUR DOCUMENTS• Your current Declarations Page (Dec Page)• The renewal notice / new Dec Page from your carrier• Any endorsements added mid-year (roof, jewelry rider, home business, etc.)• A list of home improvements since your last renewal🔍 STEP 2 — EVALUATE YOUR EXISTING COVERAGEBefore you even think about shopping, verify the current policy is right:• Dwelling limit (Coverage A) — does it reflect TODAY's rebuild cost, not what you paid for the house?• Wind & hail deductible — flat $ amount OR a % of Coverage A? (This is HUGE in West Texas.)• Personal property (Coverage C) — enough for a total loss?• Loss of Use (Coverage D) — enough for 6-12 months of alternate housing?• Liability (Coverage E) — $300K minimum, $500K+ preferred• Water backup, service line, ordinance & law endorsements — do you have them?• Roof coverage — Actual Cash Value (depreciation) vs Replacement Cost?🗓️ STEP 3 — THE 21-DAY SHOPPING WINDOWThis is the single most valuable piece of advice in this guide: START COMPARING QUOTES EXACTLY 21 DAYS BEFORE YOUR RENEWAL DATE. Not 60. Not 7. TWENTY-ONE.Carrier pricing algorithms in Texas reward quotes bound inside that window and penalize quotes bound outside of it. Shop too early — rates are inflated. Shop too late — rates are inflated PLUS you're now a lapse risk. 21 days = sweet spot.🏗️ STEP 4 — REPORT YOUR HOME IMPROVEMENTSCarriers don't automatically know you:• Replaced the roof (this alone can drop your premium 10-30%)• Installed a monitored security or fire system• Updated the electrical panel, plumbing, or HVAC• Added impact-resistant windows or a wind mitigation upgradeYou have to TELL them. Provide invoices and dates. Discounts don't apply themselves.⚠️ STEP 5 — HANDLE POLICY CHANGES + FINALIZE IN WRITING• All coverage changes go through a formal endorsement — verify in writing• If you switch carriers, get the new policy BOUND and effective before the old one cancels• NEVER stop paying to "cancel" — that creates a lapse on your record and hurts future rates• Formal written cancellation only🚨 THE 5 RENEWAL MISTAKES THAT COST TEXANS THE MOST1. Letting it auto-renew without a coverage review2. Shopping the day before or the day after — pricing punishes both3. Not updating dwelling limits to current rebuild cost (construction costs are UP)4. Failing to disclose home improvements = no discounts5. Stopping payments instead of formally canceling = lapse on file + damage to credit🏆 HOW HETTLER HANDLES YOUR RENEWALWe run the 21-day window for you across 30+ top-rated carriers, verify your dwelling limit against real Lubbock rebuild costs, catch missing endorsements BEFORE the storm hits, apply every eligible discount for improvements you made, and finalize every change in writing — so you're not doing insurance alone at renewal season.Get Better. Get Hettler.Read the full renewal-process guide: hettlerinsurance.com/2026/09/14/home-insurance-renewal-process-guide-for-texas-homeowners/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#HomeInsuranceRenewal #TexasHomeowners #Lubbock #WestTexas #HettlerInsurance #CIC #GetHettler 🏠 ... See MoreSee Less

Home Insurance Renewal Process Guide for Texas Homeowners

hettlerinsurance.com

TL;DR: summary Home insurance renewal involves reviewing your policy before it automatically continues each year. Verifying the declarations page and correcting any data errors prevents inaccurate pre...

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Hettler Insurance Agency is at Hettler Insurance Agency.

10 hours ago

"ADDITIONAL INSURED" — one of the most misunderstood phrases in commercial insurance, and the one that costs Texas businesses the most money when contracts go sideways. Ron Hettler, CIC (Certified Insurance Counselor) breaks it down for owners, contractors, subcontractors, landlords, and tenants:📋 WHAT IS ADDITIONAL INSURED, PLAIN ENGLISHAn additional insured (AI) is a person or business added to SOMEONE ELSE'S liability policy by endorsement, so they get coverage for claims tied to that named insured's work. They don't own the policy. They don't pay the premium. They get named on the endorsement — and only then do they actually have coverage rights.✅ WHAT AI STATUS ACTUALLY GETS YOU• Access to defense costs under the named insured's policy• Access to settlement payments for claims tied to the named insured's work• Claims stay on the named insured's loss history — NOT yours• Your own premiums are protected🚨 CERTIFICATE HOLDER vs ADDITIONAL INSURED — THE #1 CONFUSIONA CERTIFICATE OF INSURANCE ≠ ADDITIONAL INSURED STATUS. This is the mistake that ends careers.• A certificate of insurance is a piece of paper that says "yes, a policy exists"• A certificate HOLDER has NO coverage rights — none, zero, nothing• Actual additional insured status requires a POLICY ENDORSEMENT (typically CG 20 10, CG 20 26, CG 20 37, or a manuscript form)• If you accept a COI without the endorsement attached, you have proof of insurance and ZERO coverage under it📃 NAMED INSURED vs ADDITIONAL INSURED vs CERTIFICATE HOLDER• NAMED INSURED — the policyholder. Pays the premium. Owns all coverage rights.• ADDITIONAL INSURED — added by endorsement. Gets limited coverage for claims arising from the named insured's operations.• CERTIFICATE HOLDER — just a party being informed a policy exists. No coverage. Ever.🏗️ WHO USUALLY REQUIRES AI STATUS IN TEXAS• General contractors requiring it from EVERY subcontractor• Landlords requiring it from tenants (retail, restaurant, industrial leases)• Property owners requiring it from any contractor working on-site• Cities/counties requiring it from vendors and event operators• Clients requiring it from consultants and service providers⚠️ THE COMMON AI TRAPS THAT COST TEXAS BUSINESSES REAL MONEY1. Accepting a certificate of insurance and calling it a day — no endorsement = no coverage2. Endorsement issued for "ongoing operations" only — no coverage for completed work3. Endorsement lists the wrong entity (parent company, DBA, or trade name mix-up)4. Endorsement expires but the contract keeps going (renewals not enforced)5. Primary and non-contributory language MISSING — your policy still pays first6. Waiver of subrogation MISSING — your carrier can still come after them7. AI status granted, but the underlying policy has ridiculous exclusions📝 HOW TO ACTUALLY ADD AN ADDITIONAL INSURED (the right way)1. Contract clearly requires AI status, primary and non-contributory, and (usually) waiver of subrogation2. Named insured requests the endorsement from their carrier — in writing, before work begins3. The endorsement is issued naming the exact legal entity that needs to be covered4. The AI party receives a COPY of the endorsement (not just the COI)5. AI status is verified at each renewal — expired endorsements = expired coverage🚨 WHY THIS MATTERS FOR YOU (Texas business owners)Every construction defect claim in Texas. Every slip-and-fall in a leased space. Every subcontractor injury. Every vendor screwup at a retail location. They ALL trace back to the AI endorsement — or the absence of one.The lawsuit lands on the GC. The GC tenders to the sub's carrier. If the AI endorsement is right, coverage flows through. If it's wrong or missing, the GC eats it — often out of their own pocket, on top of years of rate increases and a permanent mark on their loss history.🏆 HETTLER = INDEPENDENT30+ carriers. We review contract requirements BEFORE you sign, issue the right AI endorsements, verify primary and non-contributory language, and confirm your AI status is in place at every renewal — so when a claim hits, the coverage actually flows.Get Better. Get Hettler.Read the full additional insured guide: hettlerinsurance.com/2023/04/11/what-is-additional-insured-a-texas-business-guide/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#AdditionalInsured #TexasBusiness #Contractors #Lubbock #WestTexas #CIC #HettlerInsurance #GetHettler 📋 ... See MoreSee Less

What Is Additional Insured? A Texas Business Guide

hettlerinsurance.com

TL;DR summary: An additional insured is added to another’s liability policy by endorsement, gaining limited coverage for claims related to the insured’s acts. This status is vital for protecting c...

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Hettler Insurance Agency

10 hours ago

7 Unusual But Smart Insurance Types You May Not Know About hettlerinsurance.com/2021/01/20/7-unusual-but-smart-insurance-types-you-may-not-know-about/.#getbettertogether #freeautoquote #hettlerinsurancedotcom #shoplocal #insuranceagent #insurancequote #homeinsurance #insurance #autoinsurance #insurancequote #PropertyInsurance #businessinsurance ... See MoreSee Less

7 Unusual But Smart Insurance Types You May Not Know About

hettlerinsurance.com

Who likes paying for insurance? But, we have to pay for things that we need. True, you pay money monthly or yearly, and you rarely get anything back in return. Only when tragedy strikes do you feel li...

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workers comp

Common Insurance Mistakes for Contractors in Texas

How to Choose Commercial Insurance for Small Businesses

Texas Commercial Insurance Checklist for 2026

Insurance Tips for New Business Owners: 2026 Guide

Texas small business guide to general liability insurance

Texas restaurant insurance: A step-by-step guide for owners

What is contractor insurance? Safeguard your Texas business

Hettler Insurance Agency

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