When opening the finest cigar store in McKinney, Phil realized one of the humidification units located above the cigars had exploded, dumping gallons of water on the cigars and destroying  thousands of dollars of inventory. The damage required the business to close for many days for repair. Since HI Agency took the time to review the business’ needs, Phil learned that not only would the inventory and repairs to the location be covered, but the lost revenue would be covered while the business was closed. A small detail that could easily be overlooked made it so Cigar Lounge McKinney’s expenses would be covered it their time of loss.