Unique Insurance Exposures

Need Customized Specialty Insurance Solutions

MiniCo offers a variety of specialty insurance programs including:

Adult Residential Facility Insurance

MiniCo offers an exclusive program targeting owner-operated licensed adult foster homes/adult residential facilities in AZ, CA, OR, and WA. Ideal insureds must have been in business for three years with no more than four non-ambulatory clients.

Agri Insurance

MiniCo Agri provides customized insurance solutions for agents and policyholders. Coverages include commercial ag, farm and ranch, and specialized dairy and equine programs. Comprehensive package, auto and umbrella coverage is available.

ArtisanPAK Construction Insurance

The artisan construction insurance program includes residential and commercial risks including service, repair, and new construction. Additional insureds, primary wording, waiver of subrogation and per project aggregate are included at no additional cost.

Self-Storage Insurance in Canada

Self-storage insurance coverage for businesses in select Canadian provinces is available from our subsidiary, MiniCo Insurance Agency of Canada, Incorporated.

Contractors Liability Insurance

Our contractors liability insurance program offers competitively priced general liability and excess liability coverage in New York for commercial and residential contractors, general contractors, and trade and artisan contractors.

Cyber Insurance

MiniCo’s monoline cyber insurance program for small and medium-sized businesses provides coverage for costs resulting from a data breach by the insured and any subsequent expenses that may be incurred from the loss of data.

Equipment Breakdown Insurance

MiniCo’s equipment breakdown insurance provides monoline coverage for commercial properties to protect critical business equipment. This coverage complements existing commercial property policies and specifically addresses exposures related to equipment breakdown.

Landscaping Insurance

Landscaping insurance provides NALP members with a comprehensive package insurance product including general liability, commercial automobile, property, inland marine, and crime. Eligible operations include landscape maintenance, lawn care services, hardscape, arborist, snow removal, and nursery.

Lawyers Professional Liability Insurance
MiniCo Lawyers Professional Liability Insurance provides customized coverage for attorneys providing a broad range of professional legal services.
Miscellaneous Professional Liability Insurance

Our miscellaneous professional liability program provides customized insurance solutions for a wide range of non-financial professional service providers.

NIF Nonprofit Social Services

NIF Nonprofit Advisor has over 30 years of experience creating tailored insurance programs for nonprofits. We understand that nonprofits do not live in a vacuum; they follow their mission. The program advisors provide the expertise and infrastructure to underwrite nonprofit organizations.

Self-Storage Commercial Insurance

Self-storage insurance has been MiniCo’s focus since 1974. MiniCo offers the leading specialty commercial self-storage insurance business owner policy. The enhanced program offers flexibility in coverages, limit and deductible options, and policy options for challenging properties and high-risk geographic locations. Umbrella and general-liability only options are available for the self-storage insurance program.

Self-Storage Tenant Insurance

MiniCo offers self-storage tenant insurance programs to help protect facilities and their tenants. Pay-with-rent and mail-in programs are available.

Sports and Activity Insurance

Participant accident insurance is an essential protection for sports, camps, events, and other activities. MiniCo’s program offers customized coverage to meet the needs of a wide range of organizations.

Wind/Hail Deductible Buy-Back

Wind and hail deductibles for commercial property are on the rise in many areas of the United States. MiniCo’s wind/hail deductible buy-back program is a stand-alone policy that lowers the deductible to as little as one percent or a specific dollar amount to decrease the property owner’s potential out-of-pocket financial exposure.

Workers Compensation Insurance

MiniCo offers a workers compensation insurance program that provides coverage to self-storage facilities for lost wages and medical treatment resulting from an employee’s work-related injury or illness as well as services needed to help an employee recover and return to work.