We’ve all seen the clip. Maybe it’s in a viral video, a sitcom rerun, or caught live at the grocery store. A worker rushes to clean up a spill, only to wipe out mid-stride and send a display of canned beans flying. It’s played for laughs, complete with dramatic flailing and a perfectly timed crash. But offscreen, the consequences aren’t always so...
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...
The 2023 hurricane season has been punctuated by the damaging winds and rain of Tropical Storm Hilary in California as well as Hurricanes Idalia and Lee and Tropical Storm Ophelia on the Atlantic coastline. And it’s not over yet! Risk management can go a long way toward mitigating incidents of property damage or bodily injury at a commercial...
The devastating wildfires on Maui have shone a spotlight on an issue that’s being felt much more broadly than just in the Aloha State. Thanks to shifting weather patterns, there’s been a recent uptick in “secondary perils” — wildfires, major thunderstorms, and landslides — which is prompting private insurers to pull back or limit coverage,...
Insurance claims for small businesses occur frequently enough; in 2020 alone, 3 out of 4 businesses experienced an event that could have resulted in an insurance claim. With that statistic in mind, it begs the question: “What are the most common claims for businesses?” Recent data indicates that claims resulting from natural disasters rank second...
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...
Winter storm season can bring low temperatures, high snowfall, icy conditions, and the hazards that result from extreme winter weather to many areas across the country. As spring gets closer, warmer temperatures bring additional challenges for property owners. It's important for self-storage business owners to make a plan for spring inspections...
At the start of 2019, insurance industry analysts predicted market hardening, but the pace and severity of the changes is such that the impact being felt in the third quarter is much greater than was anticipated earlier in the year. The publication Business Insurance in June reported reinsurance rate increases of up to 30 percent, which is an...
The 2017 hurricane season has already experienced two catastrophic storms. Current insurance industry data indicates that losses from Hurricane Harvey's winds and storm surge in Texas could total over $2 billion. That figure does not include losses from the catastrophic flooding that resulted from the torrential rain that followed in the storm's...
MiniCo Insurance Agency, a member of the Aran Insurance Services Group, has been named a coverholder for London-based Lloyd’s. This status grants MiniCo the authority to underwrite business in the United States and Canada on behalf of Lloyd’s syndicates. MiniCo’s coverholder status gives the company access to the Lloyd’s brand and financial...
This article addresses actions that self-storage business owners may take in the aftermath of a storm and filing a claim. The first article in this two-part series discussed steps to prepare for storm season. Reporting Claims When the storms have subsided and you are on your self-storage property surveying the damage, your initial thoughts will...
Creating a risk management checklist for a self-storage business can be a challenge. In an ongoing series of articles, MiniCo offers suggestions for various categories and items that may be included in a risk management checklist. The first category in the series is claims. The following questions may be useful as part of a company-wide risk...
Forecasters are predicting a busy winter storm season this year, and the blizzard conditions that moved across much of the country in early January may be only the beginning. Facility maintenance is critical during the winter months to prevent costly property claims. It is equally important to incorporate slip-and-fall prevention into your...
Get found online! That’s the overarching goal of virtually every business today. And it makes sense – if your insurance clients can’t find your agency in a snap, no amount of insurance marketing online is going to get them to keep looking. Instead, they’ll likely contact the insurer whose website is easy to find. When you’re talking...
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