While winter officially began on December 21, the onset of cold weather was felt in many areas of the United States much earlier. As we move into what are typically the coldest months of the year, businesses need to be mindful of the safety of their employees — particularly employees who spend some or much of their working day outside. On...
Fires in commercial buildings can happen any time of year, but the risk can rise in winter. The colder months often bring increased usage of heating systems and electrical appliances as businesses work to make spaces more comfortable for employees and customers and to keep equipment and other business assets safe and operational. Winter weather...
Billion-dollar weather events are on the rise. As an insurance agent, you are likely counseling clients to review and adjust coverage for their personal homes and commercial properties. But have you asked about their collections of artwork, signed sports memorabilia, wine…or something else? For context, insured losses due to severe weather...
There’s been a tremendous shift toward recreational horse ownership, so much so that this group represents a significant (and the fastest growing) portion of the horse industry. Accompanying this growth is an increasing need for horse boarding facilities that can provide quality equine custody and care. As the market grows, many owners of horse...
Communicating the story of your client’s risk profile can yield optimal coverage at the best rate. One of the most effective ways an agent can streamline the quoting process and get the best rate for a commercial client is by telling your underwriter a story. The story you craft probably won’t begin with “once upon a time,” but it may result in a...
Does a quiet July indicate a mild season overall? Not so fast! Since the official start of the Atlantic hurricane season on June 1st, the U.S. coastline and Gulf Coast have been quiet. According to the Tropical Weather and Climate Research team at Colorado State University (CSU), the three named storms that have developed so far accounted for...
Which of your commercial clients need cyber coverage? All of them. Any organization that has a computer network, handles confidential information, or collects and transacts with personal identifiable information is at risk of a data breach. This exposure has the potential to pose a significant financial threat to any business or entity involved....
The construction industry is facing its share of challenges lately. COVID-19-related shutdowns are causing ongoing product shortages. Supply chain disruptions are making it difficult to secure materials and leading to project delays. Soaring inflation is causing construction material prices to skyrocket by as much as 26.7%—which is having a...
MiniCo has claimed the top spot in self-storage commercial insurance among voters in the self-storage industry for eleven consecutive years. MiniCo Insurance Agency (MiniCo) 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 eleventh consecutive year. The...
Billion-dollar insurance losses have been on an upward trajectory for the past several decades in a trend that shows no signs of slowing down. The latest data from The National Oceanic and Atmospheric Administration (NOAA) indicates a dramatic increase in both the total number of billion-dollar events each year as well as the cost of insured...
The Atlantic hurricane season officially began on June 1st. The Tropical Weather and Climate Research team at Colorado State University published its first extended-range forecast for the 2022 season in April. This early forecast suggests that hurricane activity will be above average this season with predictions of 19 named storms including 9...
Wild Weather Ahead! Learn The Keys To Preparedness Severe weather has become one of the leading concerns in the insurance industry with carriers taking steps to manage their risk portfolios and innovate coverage solutions to offer protection to policyholders in the midst of billion-dollar losses that have been on an upward trajectory for the past...
If you have self-storage clients, it’s a smart move to make sure they offer a tenant insurance program to their tenants. Why? As an insurance agent, you are in the ideal position to educate your clients about minimizing the risk of claims and lawsuits. Self-storage facilities that don’t offer tenant insurance are missing out on a simple and...
The rising price of gas is not news, but business owners who rely on gasoline for their daily operations are feeling the impact in additional ways. Small business owners in industries such as artisan construction, landscaping, transportation, and agribusiness are among those facing the largest impact from gas prices. Today we are breaking down...
Although it feels like everyone is on at least one social media platform, there are local audiences that could be missing out on your content. Having a Google Business profile will literally put you on the virtual map, help you get seen, and help spread the word about your business. Get Put on the Map Google processes 5.6 billion searches a day!...
Twitter is its own unique social media platform. Although you have followers, how you post, engage, and create content varies from the other social media networks. Here are some tips to help you get seen and grow followers on Twitter. Credibility Followers matter. The more followers you have, the greater the reach your posts will have. Having...
The impact that catastrophic hail and wind events have had on property owners and the insurance industry would be difficult to overstate. The National Oceanic and Atmospheric Administration (NOAA) recorded 4,611 major hailstorms in 2020. Those storms affected more than 6.2 million properties in the U.S. resulting in losses of nearly $14.2 billion...
In life, change is inevitable. In business, change is vital.–Warren G. Bennis, author, On Becoming A Leader Change is a fact of life in every business operation. The market changes, opportunities change, rates rise and fall, and the unexpected is always right around the corner. MiniCo has undergone a number of very positive changes over the past...
You may not have noticed it, but stock footage is all around you. That’s actually part of its purpose: to not be noticed as stock footage. It’s used in magazines, videos, ads, social media posts, and more. Stock footage may not be an effective tool for every business. Here is a breakdown of the pros and cons of using stock footage to help you...
QR codes look like a cubism form of a barcode. These encoded symbols can be printed out onto a product, sticker, or marketing material, and then scanned to share information. It’s a great way to provide information to clients without having to write it all out on every brochure or other marketing piece. In the past you had to download a separate...
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