What Hettler Insurance Agency Does for Lubbock Families and Businesses
Insurance is often treated like a commodity—something to purchase quickly and then place in a file. However, the differences between policies may become extremely important after an accident, lawsuit, storm, fire, theft or other unexpected loss.
Hettler Insurance Agency is a family-owned independent insurance agency serving Lubbock families and businesses. Ronald J. Hettler, CIC, founded the agency in Lubbock in 1992 and now owns it with his daughter, Meghan Harris, CIC.
Ron has worked in the insurance industry for 46 years. The agency’s licensed employees work from its Lubbock office and help customers understand their options, compare available insurance programs and make informed coverage decisions.
What Does an Independent Insurance Agency Do?
An independent insurance agency is not limited to offering insurance from only one company. Hettler Insurance Agency works with multiple insurance companies and can compare available coverage, pricing and underwriting options.
Price is important, but the least expensive policy is not always the best value. Policies that appear similar may differ in their deductibles, exclusions, liability limits, replacement-cost provisions and optional coverages.
An independent agent can help a customer consider both price and protection before selecting a policy.
Auto Insurance for Lubbock Drivers
Hettler Insurance Agency assists individuals, families and businesses with insurance for personal and commercial vehicles.
Auto insurance may include:
- Bodily injury and property damage liability
- Uninsured and underinsured motorist protection
- Personal Injury Protection
- Collision coverage
- Comprehensive coverage
- Rental reimbursement
- Roadside assistance
- Coverage for youthful drivers
- Commercial auto insurance
The appropriate policy depends on the vehicle, how it is used, who drives it and the assets the owner needs to protect.
A business owner should also discuss whether employees use personal vehicles for company business. A personal auto policy may not adequately cover every form of business use.
Homeowners and Property Insurance
A homeowners policy does more than insure the physical structure of a house. It may also provide protection for personal belongings, additional living expenses and personal liability claims.
Hettler Insurance Agency helps Lubbock property owners evaluate insurance for:
- Owner-occupied homes
- Rental homes
- Condominiums
- Renters
- Vacant properties
- Personal belongings
- Personal liability
- Umbrella liability
- Flood and other separately insured risks
West Texas property owners should pay particular attention to wind and hail deductibles, roof-settlement provisions and the amount for which a home is insured.
The amount required to rebuild a home may be different from its market value. A coverage review can help identify whether the policy’s limits and deductibles still fit the property owner’s circumstances.
Business Insurance for Lubbock Companies
Every business faces a different combination of risks. The insurance needs of a contractor will differ from those of a restaurant, professional office, retailer, property owner or service company.
Hettler Insurance Agency can assist businesses with coverages such as:
- Commercial general liability
- Commercial property
- Business owners policies
- Commercial auto
- Workers’ compensation
- Cyber liability
- Inland marine and equipment coverage
- Builder’s risk
- Contractors insurance
- Surety bonds
- Commercial umbrella liability
Business owners should review their insurance when they acquire property, purchase vehicles, hire employees, expand into new services or sign contracts containing insurance and indemnification requirements.
Certificates of insurance are frequently requested by customers, landlords and general contractors. However, a certificate by itself does not expand the underlying policy. Business owners should discuss contractual requirements with their insurance and legal professionals before signing an agreement.
Insurance for Contractors
Contractors frequently need more than a basic general liability policy.
Depending on the business, a contractor may need coverage for:
- Tools and equipment taken to job sites
- Commercial vehicles
- Employees
- Subcontracted work
- Completed operations
- Property under construction
- Contractual insurance requirements
- Excess or umbrella liability
- License or performance bonds
Hettler Insurance Agency works with contractors and helps them evaluate insurance requirements before work begins.
Reviewing a contract before providing a certificate of insurance can help uncover requirements that the contractor’s existing policies may not satisfy.
Life and Health Insurance
Insurance planning also involves protecting people—not only buildings, vehicles and businesses.
Hettler Insurance Agency assists individuals, families and business owners with life and health insurance needs.
Life insurance may be used to:
- Replace income for surviving family members
- Pay debts or final expenses
- Help fund a child’s education
- Protect a business from the death of an owner or key employee
- Fund a business buy-sell agreement
- Provide money for estate or family obligations
Health insurance options can vary based on employment, family circumstances, age and eligibility. Working with a local professional can help customers understand available choices and important enrollment requirements.
Local, Licensed Insurance Professionals
Technology makes it possible to purchase some insurance products without ever speaking to another person. That may work for people who know exactly what they need.
Many customers, however, want someone to explain the differences between policies, answer questions and remain available after the policy is issued.
Hettler Insurance Agency’s customer-service employees and agents work from the agency’s Lubbock office. Customers are assisted by licensed local professionals rather than being transferred to an unknown virtual assistant.
The agency’s goal is to translate complicated insurance language into understandable choices so customers can decide what is appropriate for their families or businesses.
When Should You Request an Insurance Review?
An insurance review may be appropriate when:
- You purchase or remodel a home
- You add a vehicle or a youthful driver
- Your premium changes substantially
- You start or expand a business
- You purchase business equipment
- You hire employees
- You begin using a personal vehicle for business
- A customer asks for a certificate of insurance
- You sign a lease or business contract
- Your family or financial responsibilities change
Even when no major change has occurred, periodically reviewing policies can help identify outdated information, missing coverages or limits that no longer match current needs.
Contact Hettler Insurance Agency
Hettler Insurance Agency provides auto, homeowners, business, life and health insurance services from its Lubbock office.
Ronald J. Hettler, CIC
Meghan Harris, CIC
Hettler Insurance Agency
4720 South Loop 289
Lubbock, Texas 79414
Phone: (806) 798-7800
Website: HettlerInsurance.com
Frequently Asked Questions
What kinds of insurance does Hettler Insurance Agency provide?
Hettler Insurance Agency assists customers with auto, homeowners, rental-property, business, contractor, life and health insurance, along with other personal and commercial coverages.
What is the advantage of using an independent insurance agency?
An independent agency can work with multiple insurance companies rather than offering coverage from only one insurer. This allows the agency to compare available coverage, underwriting requirements and prices.
Does Hettler Insurance Agency insure businesses?
Yes. The agency assists many types of businesses with general liability, commercial property, commercial auto, workers’ compensation, cyber liability, contractors insurance, bonds and other commercial coverages.
Can Hettler review an existing insurance policy?
Yes. Customers can provide their existing policy information so the agency can review current limits, deductibles and coverage and determine whether other options may be available.
Where is Hettler Insurance Agency located?
The agency is located at 4720 South Loop 289 in Lubbock, Texas.