Stop in for a cup of coffee

Buddy down the road had a roof collapse after a heavy snow a few years back. Mostly pontoon boats. Insurance companies went after him for the losses.
They were going to sue him for the write-offs.
He said sure, where’s my boats?
They were all scrapped and or sold.
I can’t insure my customer’s goods. All i can do is insure my building. If i was to insure for such an event it would be so expensive i wouldnt have anything to store.