On the evening of June 9, 2015, veterinarian, Kenneth Kimbrough, wrapped up his last appointment, said goodbye to his staff, and went home.

“It was business as usual, until the fire department called. Kimbrough Animal Hospital was in flames.”

The doctor and his wife arrived on the scene to find their clinic fully engulfed.

“My biggest fear - the animals inside,” said Kimbrough. “I ran to the kennel. People were shouting, ‘It’s dangerous, don’t go in!’ But I couldn’t stop. I began taking animals out. Started administering CPR on the lawn. I had to get their lungs full of something besides smoke. I had to turn it around.”

Thirty-eight animals perished that night. Only two boxers survived. Officials deemed Kimbrough Animal Hospital a total loss.

“I shared this devastating reality with my clients and the community,” said Kimbrough. “It’s numbing.”

Rebuilding from the ashes

The next day Kimbrough called his State Farm Agent, Dave Powell.

“When I began working with Dr. Kimbrough in 2000, I looked him in the eye and said, ‘On your worst day, I’m going to be there for you.’ That day had arrived,” said Powell.

Together, the pair surveyed the scene, met with the claim specialist and reviewed his policy. While the cause of the fire was never determined, officials suspected it may have started electrically, in a back office.

“As a small business owner, it’s imperative to get back up and running,” Powell explained. “Dr. Kimbrough’s coverage included business interruption which meant State Farm would reimburse his loss of income, and also provides coverage to keep his team employed during the period of restoration. His policy also covered building contents, which allowed him to buy new equipment.”

With the help of State Farm, Kimbrough Animal Hospital began to recover. The old hospital was leveled and the rebuild began. With construction underway, Kimbrough converted his nearby pet grooming facility into a mini animal hospital. Portable buildings were moved onto the grounds so staff could help more people.

“Thank goodness for small business insurance, which made it possible,” said Kimbrough. “Dave, my agent, was with me every step of the way.”

A new chapter

In March 2017, the NEW Kimbrough Animal Hospital opened its doors.

“Our former building was 4,400 square feet. Our new facility is 12,000 square feet,” said Kimbrough. “This allows us to serve customers, provide daycare and grooming, and help more pets. We also have a Fear Free certified doctor on staff, which allows us better serve the physical and emotional wellbeing of animals.”

More than two years later, the clinic is back in action. And while Kimbrough says the memories of that fateful June night will never fade, he’s grateful for the support of his friends, neighbors and the Texas community.

“Thank goodness I could do this. With Dave as my State Farm agent, I had the right coverage, my needs were met and I was guided through the process. Kimbrough Animal Hospital got a second chance.”

“I consider it an honor to be a servant leader for our small business clientele,” said Powell. “Staying in touch to ensure the coverage they have continues to meet their evolving needs ensures people are secure. Helping, it’s what we do.”

“Economically, it was a rough time," said Suzy. "The banking industry plummeted.” Unemployed, with two small children and facing the unknown – she kept the following goals in mind: 1.) Send her kids to college. 2.) Retire, at some point. But how would she achieve this? Her children had a sweet idea: Open an ice cream shop.

“My kids and I LOVE ice cream,” smiled Suzy. “We would travel miles to find great tasting, quality treats. It was our tradition.”

Suzy admits, opening an ice cream shop was far from anything she’d ever imagined, but still decided to go for it. “My kids inspired me,” she said. “After everything I’d been through, I thought, ‘Why not?’” She planned, took small business courses, attended ice cream school, budgeted, created a marketing strategy, found a space for her shop and concocted countless ice cream recipes.

The Big Day

In July 2011, the Azucar Ice Cream Company officially opened its doors. “It was such an exciting time,” said Suzy. “I opened during a downtown festival – and ran out of product! It was a great problem to have, until I realized, ‘What am I going to sell tomorrow?’” It was a long night of ice cream making, and the start of something big.

Located in the heart of Miami’s Little Havana neighborhood, Suzy’s shop pays tribute to her Cuban heritage. While Azucar Ice Cream offers flavors like chocolate, vanilla and strawberry – guests will also find an assortment of Cuban options ranging from Mantecado (French vanilla, nutmeg and cinnamon ice cream) to Abuela Maria (vanilla ice cream mixed with guava, cream cheese and crispy cookies).

“The Abuela Maria is a Cuban classic,” smiled Suzy. “It warms my heart to see customers taste the flavors and be reminded of home.”

As business blossomed, Suzy met State Farm Agent Javier Areas. “With so much on the line, I wanted to make sure I had everything protected,” she said.

“I was happy to sit down with Suzy,” said Javier. “Being a small business owner myself, I want to eliminate worry and provide support for success. It’s so rewarding to help people and see their business grow.”

During the meeting, Javier discovered Suzy did not have coverage on her warehouse.

“This is the place where the ice cream is made,” explained Javier. “Suzy’s produce, like guava and pineapple is also stored here. In addition to her equipment, the food alone can cost thousands of dollars. If something happened to her warehouse, the costs associated with the loss would be insurmountable.”

“Can you see why I’m grateful to work with Javier? He’s taught me so much!” said Suzy. “He calls me often to check in, but I’ll never forget when he called in 2017 - shortly before Hurricane Irma arrived.”

Being in the heart of Miami, the store is prone to powerful storms. “Last year, I was terrified Hurricane Irma would not only hurt my shop, it would ruin my exterior sign,” said Suzy. “I love that sign. It’s a 29 foot tall ice cream tower – and really eye catching!”

Javier gave Suzy peace of mind.

“Through a Business Policy, this ensured the sign and Suzy’s shop would be OK in case something happened,” said Javier. “It also covers loss of income in the event the hurricane prevented her store from reopening for an extended period of time.”

Luckily, Suzy’s store suffered little to no damage from the storm, but she says – she’s not taking any chances. “When you dedicate your life to building a small business and making it work – you want to make sure it’s protected.”

As the Azucar Ice Cream Company continues to welcome new and familiar faces, Suzy says she’s looking forward to the future. “I’m truly grateful to be able to do this. To turn this dream into a reality. A big thank you to my kids for believing in me. And a big thank you to my State Farm agent Javier who looks out for this business. We’re better because of him.”

Guest Blog by Linda McMahon, SBA Administrator

Once upon a time….

It’s the classic opening to some of our favorite fairy tales. As children we dream of magic potions and knights in shining armor that will provide our happily ever after. How were we to know that our own hard work, skill and determination could be far more effective?

Once upon a time, my husband and I started our business sharing a desk. As he developed our product and expanded our markets, I managed the books. When the work became too much for the two of us to handle ourselves, we hired our first employee. As our business grew, we hired another. Then another. Over decades of hard work growing our business, the company we created now has grown to a publicly traded enterprise with more than 800 employees and consumers in 180 countries worldwide.

As an entrepreneur, I have truly lived the American Dream: the classic tale of taking a risk on an idea, working hard and creating something from nothing. Don’t get me wrong – we had plenty of stumbles and challenges providing the plot twists along the way. But it’s a story I am always proud to tell.

And as head of the U.S. Small Business Administration, my goal now is to help more people have the opportunity to live the American Dream.

Yet many aspiring entrepreneurs have no idea how to get their stories started or write their next chapters.

The SBA is here to help, with resources both online and in communities from coast to coast.

During National Small Business Week, as we celebrate the 28 million small businesses that drive our nation’s economy, we also showcase the resources and services the SBA provides to entrepreneurs at every stage. Whether they are starting up, expanding or getting through a tough time.

The SBA has 68 district offices and an extensive network of resource partners across America, including Puerto Rico, the U.S. Virgin Islands, and Guam. The experienced professionals staffing these offices offer a core group of services that we call the “three Cs and a D” – capital access, counseling, contracts, and disaster assistance.

Many entrepreneurs need capital to start or expand their small business. This includes combining what they have with other sources of financing. While the SBA doesn't loan money directly to small business owners, it helps facilitate loans with a guaranty that a certain portion will be repaid. We offer counseling on starting, scaling and succeeding in business, from how to draft a business plan to how to export your product overseas. And we train small businesses on how to compete for government contracts, especially those set aside exclusively for small business owners. Finally, SBA provides a helping hand to small businesses recovering from disasters.

As I think back on my own story as a small business owner, I wonder how much easier things might have been if we’d been aware of the many valuable services SBA provides. My hope is that as more people learn about the SBA, they will have the confidence, skills and resources they need to succeed as small business owners. Then we can continue to revitalize a spirit of entrepreneurship in our country.

There’s room for far more success stories in our library.

And the SBA can help more entrepreneurs write their own “happily ever after.”