July/August 2010 HSB Claim Service Makes Restaurant Owner a "Customer for Life" He Was Going to Drop His Coverage, Until a Breakdown Threatened His Business When small business owners feel a financial pinch, they look for ways to save money. The owner of a small restaurant wondered if his equipment breakdown policy was worth the price of the premiums. Then his air conditioning failed during a severe heat wave and HSB's prompt claim service made him a "customer for life." THE BREAKING POINT The insured had already told his agent that he didn't plan to renew his equipment breakdown coverage when the restaurant's air conditioning compressor shorted out. With temperatures in the 100-degree range all week, the restaurant was virtually shut down and the repair firms he contacted were all too busy helping other businesses to respond. "LOAD IT ON A TRUCK" Once HSB was notified, our adjuster called the area contractors we work with and found one with a five-ton hermetic compressor that matched the insured's unit. The adjuster told the company to load it on a truck and meet him at the restaurant. The new unit was installed and the insured back in business within 24 hours of the breakdown. HSB GETS THE JOB DONE It cost approximately $6,000 to repair the compressor, but just as important was the claim service the owner received when he needed it most. Without equipment breakdown coverage, he could have lost income and customers. HSB had the contacts and experience to get the job done and our adjuster acted fast to get the restaurant back in business. THE CUSTOMER IS CONVINCED The restaurant owner had a new view of equipment breakdown coverage. Could he stay open if an electrical breakdown knocked out his power? What if his point-of-sale equipment shorted out, his boiler broke down, or ovens and freezers were damaged? His experience convinced him he needed the coverage, he said, adding, "HSB has a customer for life." WE PROVIDE REAL VALUE In a difficult economy, it's best to demonstrate the value of insurance coverage. Customer service is always important. With equipment breakdown insurance from HSB, you can show your customers how you help protect their business, with broad coverage, responsive claim service, jurisdictional inspections, loss prevention, and more. UNMATCHED COVERAGE AND SERVICE HSB provides a powerful combination of coverage and services to customers, agents and our partner insurance companies that no other equipment breakdown carrier can match. Contact your HSB representative to learn more about what we can offer. Hartford Steam Boiler - One State Street - P.O. Box 5024 - Hartford, CT 06102-5024 Phone: 860-722-1866 - Fax: 860-722-5106 ©1996-2010 The Hartford Steam Boiler Inspection and Insurance Company. All rights reserved.