If you’re working with clients in the farming industry who are struggling with extreme weather challenges, empathy and information go a long way. Farming has always been a delicate dance with the outdoors, but Mother Nature has recently added unpredictable twists. These weather disruptions not only throw planting schedules into disarray but also...
For the thirteenth consecutive year, MiniCo has claimed the top spot in self-storage commercial insurance. MiniCo Insurance (MiniCo), a Jencap company, has been selected by readers of Inside Self-Storage magazine as a Best of Business winner in the category of best commercial insurance for the thirteenth consecutive year. “It is an honor to be...
As we approach the heart of the 2024 wildfire season, property owners and insurance agents face unprecedented challenges. The increasing frequency and intensity of wildfires and other extreme weather events are putting significant pressure on the property insurance market. Let’s look at the current wildfire outlook, its impact on the insurance...
Navigating the world of professional liability insurance can feel daunting, especially in today’s turbulent market. With rising premiums, increased scrutiny, and ever-evolving risks, staying ahead of the curve is more challenging than ever. However, understanding these dynamics and leveraging the right insurance solutions can help make all the...
In 2023, Bayer AG faced a staggering $2.2 billion verdict over its Roundup weedkiller, contributing to record-setting numbers. These monumental awards, known as nuclear verdicts, pose a significant threat to businesses of all sizes. But how do these types of verdicts affect the law firms involved? In this blog, we’ll explore what nuclear verdicts...
As an insurance agent, you know that legal professionals face unique risks every day. Your clients depend on you to help them navigate these complexities and secure the best coverage. Professional liability insurance isn’t just a safety net; it’s a critical part of practicing law. Let’s explore the options for Lawyers Professional Liability (LPL)...
Nonprofit organizations are the unsung heroes of our communities, tackling society’s biggest challenges and providing essential services. However, running a nonprofit comes with unique operational, financial, and legal hurdles that for-profit businesses don’t face. One significant challenge is finding the right insurance coverage. The Unique Risk...
Nonprofit organizations play a pivotal role in our society, addressing crucial issues ranging from social welfare to environmental conservation. However, managing a nonprofit involves navigating a maze of risks that can threaten its mission, resources, and public trust. Effective risk management for nonprofits is not just about protection. It...
The nonprofit sector is constantly evolving, and with this evolution comes many new challenges. From embracing digital transformation to navigating increased regulatory pressures and adopting innovative insurance solutions, nonprofit organizations must stay agile and proactive. As their agent, you can help them prepare for the future. Be the...
The Tropical Weather and Climate Research department at Colorado State University (CSU) is one of the world’s most respected climate research teams. Beginning each April, the team issues periodic tropical meteorology forecasts that have become must-reads for anyone interested in Atlantic hurricane activity. While the April 2024 forecast was...
Finding out you’re on the hook for huge financial damages — and that your insurance policy won’t cover it — is every business’s worst nightmare. Just ask Metallica (yes, the band!) about the dangers of not knowing exactly what your policy covers – and what it excludes. Thanks to a pandemic-related debacle, the band sought to recoup millions of...
The burgeoning cannabis delivery industry, like the food industry, has seen exponential growth, driven by increasing legalization and consumer demand. Yet, as many delivery business owners know all too well, with growth comes the challenge of effectively scaling operations. Delivery issues—like delays, regulatory compliance missteps, or customer...
Mitigating risks in food and cannabis delivery is not just about adhering to legal standards; it’s about safeguarding the business, its customers, and the broader community from unforeseen disasters. By understanding and addressing the unique challenges food and cannabis delivery drivers face, businesses can proactively ensure the safety of their...
Self-storage facilities may look like typical brick-and-mortar business operations from the outside — but, when it comes to insurance coverage, they’re not. The truth is, with their distinct property exposures, self-storage facilities require a different approach to insurance coverage, one that accounts for their specific vulnerabilities. ...
Self-storage facilities, sometimes perceived as low-risk environments, can unexpectedly become targets for liability issues, particularly in the category of slip, fall, and bodily injury claims. Picture this: An excited college student, arms full of boxes, takes a serious fall while walking down an interior hallway to their rented unit due to a...
The self-storage industry has grown rapidly in the past several years, reaching an estimated market value of $44.37 billion, outpacing many other notable companies like Aflac, General Mills, Humana, and even 7-Eleven. The reason? People love their stuff — and they don’t want to part ways with it. According to Josh Leykam, MiniCo Vice...
Most business owners understand the importance of having the right general liability (GL) insurance. What they may not know is that their GL policy isn’t all-inclusive and doesn’t provide protection for losses associated with business personal property as well as other critical coverages. A business owner’s policy (BOP) is an effective option for...
From rare artwork to wine to unique memorabilia, the world of collecting is both varied and ever-evolving, demanding a strategic approach to collection preservation. A collector’s worst fear is damage to or loss of a priceless, irreplaceable item or collection. For the savvy collector, implementing effective risk mitigation and preservation...
When most collectors think of fine arts insurance, they may imagine disasters brought on by major events like fires, floods, and theft. However, the most common perils that threaten unique art collections are far more subtle: a poorly hung painting that falls to the ground or a simple scratch due to improper handling. Unlike the expectations with...
In the world of fine art, collectibles insurance is where passion meets investment, which makes ensuring the safety of your client’s valued treasures a tricky business. The reason? Collectors want to know they are preserving not only the monetary value of their collectibles but also the items’ sentimental and historical significance. As a result,...
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