Commercial insurance for McKinney businesses

From the shops and restaurants around the historic square to the contractors building out the rest of the city, McKinney businesses need coverage that matches how they actually operate. Kristi Howton works with McKinney owners from nearby Frisco.

Main street businesses.

Restaurants, retailers and service businesses carry more risk than their size suggests: customers on the premises, staff in the kitchen, alcohol on the menu, and a lease that sets its own insurance requirements. Kristi reads the lease and the operation before she quotes anything.

Contractors and trades.

McKinney’s growth means a lot of building. For contractors, who is on your crew and what you can document decides how your policy is rated. A 1099 is a tax decision, not a risk decision, and a carrier will treat a crew that works only for you as your employees.

Family-owned and growing.

Many McKinney companies are family businesses moving into their next stage: a second location, a first fleet, a first big contract. Each step changes the insurance program. A conversation before the change is cheaper than a gap found after a claim.

Questions we hear

The short versions of conversations Kristi has with business owners every week.

What is the difference between a commercial insurance broker and a captive agent?

A captive agent represents one insurance company and can only offer that company’s policies. An independent broker like Infinity Group Insurance holds appointments with many carriers, so the job is to find the carrier that actually wants to write your kind of business, not to fit your business into one company’s shelf.

What does it cost to talk to Kristi?

Nothing. The first conversation is a free, no-pressure look at your business and your current coverage.

Does Kristi work with businesses outside Frisco?

Yes. Infinity Group Insurance is based in Frisco and serves businesses across Collin and Denton counties and the rest of North Texas, and Kristi is licensed in ten states.

When should I start the conversation before my renewal?

Sixty to ninety days before your renewal date. That leaves time to read your contracts, fix gaps and take the account to market if the numbers justify it. If your renewal is next week, call anyway.