In honor of the Labor Day holiday, Hettler Insurance Agency in Lubbock, Texas, will be closed on Monday, September 6th. We’ll be back in the office the next day (Tuesday) to help with Lubbock insurance, and all of Texas. What is Labor Day Labor Day in 2021 is observed on Monday, September 6th (yes, for small business owners too). Labor Day is an annual U.S. […]

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. […]

Do you own a small business / SMB? Your cost of offering health insurance is a huge cost of business for any company. And, it can be an even bigger hassle for small business company owners when securing business insurance. With the continued rise of premiums, many smaller businesses may have to force the extra expense onto their employees.

Kids at home? And, you’re trying to work? Advice for working from home, with kids. (If you’re reading this and currently looking for work, we pray you get what you need.) 1. Use visual cues to designate your workspace. Create a designated area as your work zone and use it consistently. Help your kids build the association that when you’re sitting there, you are working […]

As you may know, this week is National Veterans Small Business Week. But, you may not know that every November Progressive Insurance has a one-day vehicle giveaway program for some lucky veterans. It’s called the Keys to Progress® Program (#KeysToProgress), Giving Back to Those Who Gave So Much. Since 2013, the program has donated more than 600 vehicles to our veterans and various veteran organizations. […]

This week (Nov. 4th-8th), let’s take a moment to salute National Veterans Small Business Week. Every year for the past six years, the SBA (U.S. Small Business Administration) celebrates veteran-owned small businesses. Hettler Insurance Agency is part of the SMB sector (we’re not veteran-owned, but we do have one veteran employee). And, we’re proud to support other small business owners by helping with commercial insurance […]

Non-traditional (or inland marine insurance, as some policies are called) coverage is a custom-made sector of insurance coverage dealing with homes and items that would not typically fall under a typical residential, commercial property, or car insurance policy. Such items are: boats, snowmobiles, ATV’s and personal watercraft. You might discover that your existing insurance company does not even write policies for these types of goods, […]

Ever noticed that it seem like every facet of life is covered by some type of insurance?  Life insurance. Car insurance. Health insurance. Pet insurance. Workers’ compensation insurance. Renter’s insurance. Homeowner’s insurance.  Not to mention there are specific types of those insurances. Comprehensive. Liability. Flood. And, let’s not forget about general contractor insurance in Texas. According to the Texas Department of Insurance, general contractor insurance […]

Imagine wading through your water-filled home or business finding many of your most cherished and vital possessions waterlogged and forever ruined. Unfortunately, each year many Texans don’t have to imagine this scenario and instead face it head on. Texas consistently has some of the highest fatality rates and property damage costs due to flooding. Let’s face it, next to fire or tornado/hurricane damage there are […]

Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked in 2015 by the 14 people killed in San Bernardino, the owner had the foresight to buy terrorism insurance. […]

Computer crimes and cyber breaches occur on a daily basis and affect individuals and corporations alike. In 2018, American companies like Facebook and Uber were hacked. For these two companies, the breach compromised the personal information for over 100 million people. Even the United States government has been hacked. Even with theft prevention software and procedures, breaches happen. The good news is that there is […]

When you’re buying a house to flip or completely do a gut job, you have different insurance concerns than a house you buy to live in long-term. Many investors forget about the insurance component of a deal when they’re in the heat of the moment and focused on the potential of the property. Whoa, slow down. When is the best time to call your insurer? […]

TV shows make flipping houses look fun and easy. Can you really make a lot of money doing this? Yes, it is possible. But only if you have the right skills, knowledge and timing. Choose the wrong fixer upper, and you could lose your entire investment. So how do you pick right? Read on for house flipping basics, and the risks that can happen, which […]

All jobs have occupational hazards – even office workers get paper cuts or, more often these days, carpal tunnel syndrome. But some occupations are riskier than others, rodeo clowns? You bet. And those risks are reflected in insurance policies. Disability and life insurance policies are especially affected by dangerous jobs.

Most of the business owners around Lubbock, exclude coverage for themselves and other executives in their workers’ compensation policy. It seems that many owners don’t like the idea of getting hurt or don’t believe that an accident will befall them.