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 [...more]
News of rising health insurance premiums has alarmed Texans as well as citizens of other states. In July, the New York Times announced that insurance companies were petitioning the federal government to approve rate increases of 20 to 40 percent and even higher. In Minnesota, for instance, Blue Cross and Blue Shield sought to raise premiums an astonishing 54 percent. […more]
As you surely know by now, small employers in Texas are facing a series of changes under the Affordable Care Act. Some of these changes center around the Adjusted Community Rating (ACR), which went into effect in January of 2014. So far, it’s affected small businesses with 1 to 50 employees. But starting in 2016, employers with 51 to 100 employees will also be subject [...more]
With Thanksgiving right around the corner, allow us to use this analogy to describe small vs. large insurance carriers. No one wants a small turkey for their family, you want quality meat at an affordable price that can feed everyone. Same with insurance, a policy that is affordable and provides adequate coverage should be the goal for a new auto, home or renters policy. [...more]
On November 1, 2015 open enrollment begins nationwide and lasts until December 15th 2015. For a month and a half, you have the ability to sign up for the government managed, health exchange marketplace. You also have the same amount of time to sign up for private health insurance plans, unless you qualify for a special enrollment. […more]
Travelers using Airbnb and HomeAway look to fully immerse themselves in the culture of a city by sharing the home of a local host, while a host makes some extra cash by allowing a stranger to stay with them. As the popularity of a ‘sharing economy’ increases in our society, it’s important to be armed with all of the facts when it comes to participating [...more]
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 [...more]
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. […more]
The source and funding of health insurance is still a political hot-button topic. Many people who have never had health insurance in Texas now have coverage, which was the main focus of the PPACA, or Patient Protection and Affordable Care Act, otherwise known as “Obamacare.” Other Texans lost coverage or were required to buy worse coverage for more money. […more]
Insuring a motorcycle can seem expensive, but it is just as important as insurance for a car. While every motorcycle driver in Texas is required to have liability insurance, comprehensive coverage is optional. Liability vs. Comprehensive Liability insurance pays other individuals involved in the accident, if you mess up. That’s the long and the short of it. In Texas you will pay hefty fines and [...more]
We’ve all been there. You’re driving to work or school wondering if you should stop for coffee, but before you reach the parking lot, everything changes. You see odd movement out of the corner of your eye/rear-view mirror or hear screeching tires, and then you’re stuck – waiting for the police. That’s if you are lucky. If you are unlucky, you are waiting for the [...more]
All drivers in the State of Texas are required to carry auto liability insurance. Despite being required, it’s estimated 1 in 6 drivers in Texas are uninsured. There are serious consequences if found driving without insurance, but many people simply can’t afford auto insurance. […more]
Car insurance by the mile is still in its infancy. As of 2017, you could purchase this type of insurance from a handful of companies: Metromile, National General Insurance and Allstate’s MileWise. It means exactly as the name implies, drivers have the potential to save money by only paying for the exact mileage accrued in a year. Devices are added to the insured vehicle to accurately [...more]
Pop culture is rich with references to movies. Every school kid, to this day, recognizes the ominous interval warning of an imminent shark attack, thanks to “Jaws”. Among the many influential movies that have impacted our culture, “Star Wars” is the only one with its own date. May 4th is Star Wars Day, as in May the Force Be With You? We’re also looking forward [...more]
Starting on April 1st, Hettler Insurance, a local Lubbock insurance agency, would like to cover your dents and mangled front end on your car, truck or SUV with advertisements. […more]
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