IF YOUR BUSINESS COMES TO A SCREECHING HALT, YOUR COMMERCIAL POLICY SHOULD BE EAGER TO START UP IMMEDIATELY.

Many businesses initially buy insurance due to a requirement by loan or lease. Failure to revisit these policies during times of growth may cost you more than money in the event of a business-altering situation.

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Philip, Cigar Lounge, McKinney TX

What Happened To Cigar Lounge

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.

If your commercial policy has not been reviewed within the last year, you are at risk of losing more than property, but lost revenue you have built since opening.
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WHEN MANY AGENCIES WRITE A POLICY, IT IS OFTEN A TENDENCY TO AUTOMATICALLY RENEW THE POLICY EACH YEAR. NOT HI AGENCY. EACH YEAR MEANS YOU BUSINESS GROWS, WHICH MEANS A NEED TO COVER YOU BUSINESS ACCURATELY.

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Because HI Agency comprehensively reviews my policy each year, we didn’t miss a step when we needed to close our business for water damage repair.

PhilipCigar Lounge

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