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Wind/Hail Deductible Buy-Back

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Key Agent Newsletter
April 2018

Did You Know...?

Coverage Options for Commercial Risks

.MiniCo Insurance Agency now offers two stand-alone insurance programs for commercial property.

Equipment Breakdown Insurance

MiniCo's equipment breakdown insurance program provides monoline coverage for commercial properties to protect critical business equipment. This coverage complements existing commercial property policies and specifically addresses damages caused by covered internal forces such as power surges, electrical shorts, mechanical breakdowns, motor burnout, and others. The five categories of equipment typically covered under this type of policy are mechanical, electrical, computers and communications, air conditioners and refrigeration systems, and boilers and pressure equipment. The program is underwritten by MiniCo's carrier partner Liberty Mutual Insurance Company, which has been rated "A" (Excellent) by A.M. Best.

Wind/Hail Deductible Buy-Back

Wind and hail deductibles of up to 5% are becoming more common in the most challenging locations across the United States. MiniCo offers a wind/hail deductible buy-back program for commercial properties that enables property owners to lower their deductibles to as little as 1% or a specific dollar amount. Introduced as a result of our coverholder status with London-based Lloyd's, MiniCo's wind/hail deductible buy-back program is underwritten by an A.M. Best "A" rated non-admitted carrier.

Both programs are available nationwide for both storage and non-storage commercial risks. No appointment is required to get a quote. For more information, contact Commercial Underwriting Team Leader Rob Novak at or 800-528-1056, ext. 3535.

Equipment Breakdown 

Wind/Hail Deductible Buy-Back 


MiniCo's Agent Portal: Browser Updates

UpdateIf you're having trouble submitting an application via MiniCo's online agent portal, it may be time to update your browser. Our portal is designed for use with the latest versions of Internet Explorer, Chrome, and Firefox. Based on feedback from our agents, Chrome and Firefox seem to be less troublesome when using the agent portal.

In addition to streamlining the submission process, saving you time, and minimizing frustration, updating to the latest version of your preferred browser helps to ensure that you benefit from the most recent security updates. For questions about the online agent portal, please contact your underwriter at 800-528-1056.


MiniCo Welcomes New Team Members

New Team MembersOur team is growing! Over the past few months, MiniCo has welcomed a number of new team members.

Nichole Deleon
Staff Accountant

Michael Jones
Underwriter, Renewal Team

Marie Lindsey
Underwriting Technical Support Specialist

Margarita Rojas
Sales Development Specialist

Destiney Ryder
Underwriter, New Business Team

Kraig Sturgill
Underwriter, Renewal Team



Electrical Safety Checklist

Electric Safety ChecklistAccording to the Electrical Safety Foundation International (ESFI), there were over 150 workplace fatalities and over 1,600 non-fatal workplace injuries related to electricity in 2016. To increase electrical safety awareness and prevent electrical fires and electrocutions, the ESFI offers the following tips.

Don't Overtax Wiring

Avoid overloading power strips, extension cords, or surge protectors and dispose of adapters that allow three or four plugs in one socket.

Use Extension Cords Safely

Extension cords are designed for temporary use and should not be left plugged in all the time. They should not be used in high-traffic areas, hidden under carpets or furniture, or attached to walls. Read the warning information on extension cords to avoid using a low-voltage cord with high-voltage equipment. Also, extension cords designed for indoor use should not be used outside.

Install Ground-Fault Circuit Interrupters

Ground-fault circuit interrupters (GFCI) are an important component of electrical safety. Once required only for temporary wiring at construction sites and residential bathrooms, GFCI are now required in many more workplace and residential applications per National Electric Code (NEC) standards.

Replace Older Electrical Equipment

Older electrical equipment, particularly items not certified by Underwriters Laboratories or another independent testing organization, should be replaced with current versions.

Inspect Older Buildings

Whether in a commercial building or residential structure, electrical systems installed prior to 1970 are insufficient for the electrical demands of today's world. Electrical systems in older buildings should be inspected and updated by a licensed and insured electrician.


Agent Resources from MiniCo

Agent ResourcesMiniCo Insurance Agency offers free customized marketing materials and a prospect program for agents as well as resources to educate agents about the opportunities available for writing self-storage risks. If you would like to learn more about opportunities for building your book of business and gain specialized knowledge about specific industry segments, these resources are an excellent place to start.

Agent Resources

For more information about exploring opportunities in the self-storage industry in your state, contact Chris Nelson at or 800-528-1056, ext. 3548.



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MiniCo Insurance Agency, LLC

10851 N. Black Canyon Highway, Suite 200, Phoenix, AZ 85029
California License # 0H04984

© 2018 MiniCo Insurance Agency, LLC. All rights reserved.


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