Insights
Travel Risk Assessments: Proactive Protection for Employees on the Move
From medical emergencies and accidental injuries to stolen documents and missing luggage, business travelers sometimes find unexpected items on their itineraries. With both business travel and potential risks on the rise, travel risk assessments are an important part of protecting employees on the road. Combined with business travel accident insurance, these assessments provide an essential layer of security for business travelers and peace of mind for employers. ...
On the Road Again: Top Business Travel Trends and Risks
While leisure travel has seen a swift rebound over the past few years, corporate travel has taken a more cautious approach. Health concerns, cost controls, and a shift to virtual meetings initially slowed the return to pre-pandemic levels of business travel. But work-related travel is expected to reach or even exceed 2019 spending levels by the...
Covering the Bases: Protecting Club Sports with Participant Accident Insurance
Remember the thrill of stepping onto the field as a kid? Whether it was the crunch of cleats on grass or the squeak of sneakers on a gym floor, youth sports taught you about teamwork, competition, and resilience. But with every game came risks — bumps, bruises, and, sometimes, more serious injuries. Today, club sports are bigger than ever, but...
Protecting Participants: The Importance of Comprehensive Accident Insurance
In the U.S., injury-related visits to emergency rooms have been steadily rising. According to the Centers for Disease Control and Prevention (CDC), approximately 35 million people visit the emergency room annually for injury-related incidents, and about 16.2 million of those visits result in hospital admissions. From recreational sports leagues...
Why Collectors Need More Than Homeowner’s Insurance: A Must-Read for Agents
Collectors are the experts when it comes to curating their valuable treasures. But when it comes to figuring out how to insure collectibles and protect the investment those items represent, agents are the best resource. From rare autographs to sports memorabilia to one-of-a-kind works of art, many private collections are insured under standard...
Top 5 Lawsuit Triggers for Allied Health Providers
In our increasingly litigious culture, the healthcare industry has become a popular target for lawsuits. What once may have been considered an innocent oversight or small grievance can now be leveraged into a lucrative payday. More than one in three physicians face a medical liability lawsuit at some point in their careers
Time for a Coverage Checkup? Five Common Gaps in Allied Health Insurance
Allied health professionals play a critical role in the overall landscape of healthcare and make up more than half of the current industry workforce. From medi spas and urgent care clinics to home health aides, adult day care, and mental health clinics, and more, allied health practitioners provide treatment and services to a large segment of the...
The Importance of Insurance for Allied Health Professionals
Allied health professionals comprise more than 60% of the healthcare workforce, accounting for over 7 million workers in just the U.S alone. From physical therapists to urgent care staff, these professionals meet the rising demand for healthcare services, especially as the population ages. With the allied health sector projected to grow by 13%...
Beyond Basics: Insurance for Adult Care Facilities
As the baby boomer generation continues to redefine what it means to age, the landscape of adult residential care is evolving in ways that might have seemed unimaginable just a few decades ago. Remember how the “Golden Girls” lived together in that iconic Miami home, balancing independence with the support of close friends? Today’s adult...
How Chip Gaines Spotlights the Need for Artisan Contractors Insurance
When you think of home renovation and the art of transforming a space, Chip Gaines, along with his wife Joanna, likely comes to mind. As one of the stars of HGTV’s Fixer Upper, Chip has helped introduce a broad audience to the skills, expertise, and professionalism of construction contractors. While he functions as a general contractor on the...
Rooting Out Risks: Shielding Clients from Landscaping’s Hidden Dangers
Landscaping is more than just enhancing outdoor spaces — it’s about creating environments where people can relax, play, and connect with nature. As the industry grows, so do the opportunities for landscapers to expand their services and build thriving businesses. However, growth comes with unique challenges that require careful planning and...
MiniCo Recognized as a 5-Star Program Administrator by Insurance Business America
MiniCo has been recognized for the fourth year in a row by Insurance Business America in its annual report highlighting the industry’s best in program administration. MiniCo Insurance Agency (MiniCo), a Jencap company, has been recognized for the fourth consecutive year as a 5-Star Program Administrator as part of Insurance Business America’s...
Compounding Disasters Cause Compounding Premiums
A megatsunami, flood, volcanic eruption, and earthquake hit Earth in rapid succession, causing worldwide destruction. While this scenario is the fictional plot of the film 2012, today you would be forgiven for assuming that it’s a current headline. A recent report from the National Academies sheds light on the growing threat of compounding...
Coverage Alert: Miscellaneous Professional Liability Insurance
Businesses that provide professional services require liability coverage, and some professions have access to programs tailored specifically to their industry, such as architects, engineers, lawyers, and legal professionals, medical professionals, and contractors. For many other categories, the effective solution is miscellaneous professional...
The 411 on Architects and Engineers Professional Liability Insurance
In the intricate, high-stakes world of architecture and engineering, every blueprint drawn and calculation made carries immense responsibility. Professionals in these fields face unique risks that require specialized protection. Whether you’re catering to architects designing skyscrapers or engineers developing innovative infrastructure,...
Understanding Equine Liability Coverage: Protecting Horse-Related Operations
If your client roster includes commercial agribusiness, farm and ranch clients, or equine operations, you understand the unique risks involved in operating a business that involves horses. If you’re new to these risks, be assured that the equine world is full of opportunities for insurance agents — and comes with its own stable of risks. Read on...
Preservation Tips for Autographed Memorabilia
Preservation is a critical concern for collectors of autographed memorabilia. The longevity of these valuable items depends not just on the quality of the signature but also on how well the items are cared for over time. In a recent article published by Intelligent Collector, James Appleton, MiniCo’s Director of Program Sales, discusses key...
The Growing Challenge of Insuring Agribusiness Risks
From geographic challenges to the ever-present threat of catastrophic weather, agribusinesses today face an increasingly tough landscape when securing property coverage. If you’re seeking solutions for clients in the agribusiness sector, you don’t have to go it alone. Partnering with an experienced program administrator with specialized...
Extreme Weather: When Farmers Need More Than a Raincoat
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...
MiniCo Insurance Named Best of Business in Self-Storage Commercial Insurance for 13th Year
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...
Navigating the 2024 Wildfire Season
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...
Flood Evacuation Planning
Ensure the safety of your employees and customers by developing a flood evacuation plan for your business that includes the following: Conditions that will activate the plan Specific evacuation procedures Maps of evacuation routes Procedures for accounting for all personnel Emergency functions with staff assignments Emergency equipment Don’t...
Driving in Flood Conditions
If you need to drive in flood conditions, be mindful of the risks and take the necessary precautions. According to the National Weather Service, almost half of all flash flood fatalities occur in vehicles, so it is important to be prepared. Six inches of standing water can stall some cars. One foot of water can float a vehicle. Two feet of moving...
Surviving a Wildfire
According to the National Interagency Fire Center, federal wildfire suppression costs range from $1-2 billion annually. Here are some tips to help you survive during a wildfire. Call 9-1-1 to report a fire. Don't assume that someone else has reported it. Monitor the Emergency Alert System (EAS), National Oceanic and Atmospheric Administration...
Fire Prevention Tips for Customers
Educate your tenants and customers about fire prevention to help reduce risk at your property.3 Ways to Educate Customers About Fire Prevention Signage: Post signs around the property to remind customers that smoking, candles, and open flame are prohibited. Monthly Bills: Add a fire prevention tip or other safety reminder to each monthly bill or...
Creating Defensible Space for Wildfires
Defensible space is a zone in which vegetation, debris, and other combustible fuels have been cleared, minimized, or treated with the goal of slowing the spread of fire to and between buildings. Here are tips from the Department of Homeland Security's website www.Ready.gov.6 Tips for Creating Defensible Space Choose fire-resistant materials for...
Pre-Wildfire Mitigation
According to the U.S. Environmental Protection Agency (EPA), an average of 70,000 wildfires are set ablaze across the United States each year. Lightning can trigger burns, but they are frequently initiated by humans through intentional or unintentional means. Property owners can help mitigate potential wildfire losses, but some don’t take these...
First Aid for Heat Exhaustion
First aid actions for heat-related illness: Call a supervisor or co-worker for help. If no one is available, call 911. Have someone stay with the person until emergency medical personnel arrive. Move the person to an area that is air conditioned or shaded. Remove the person’s outer clothing. Fan the person and mist them with water. Apply ice bags...
Know the Signs of Heat-Related Illness
Working outdoors in the summer months can mean coping with hot, humid weather conditions. It is important for you and your facility managers to understand the symptoms of heat exhaustion and heat stroke to help prevent these dangerous, and possibly deadly, situations. Symptoms of heat exhaustion: Headache, dizziness, or faintingWeakness and wet...
Watch Out for Heat Stress
In many parts of the country, the summer months mean high heat and high humidity – a combination that can be a serious health hazard for you and your facility managers who have to work outside. Here are some tips for avoiding heat stress and heat-related illness: Wear light-colored, loose-fitting clothing made of breathable fabric.Drink small...
Here Comes the Sun
During the warm-weather months, it's important to take precautions to protect yourself and your employees from the hazards of sun exposure while working outside. Ultraviolet (UV) radiation in sunlight causes premature skin aging, wrinkles, cataracts, and skin cancer. Remember: there are no safe UV rays or suntans. Here are a few ways to stay safe...
Employment Practices Complaints
High-profile cases involving employee claims of sexual harassment, discrimination, and wrongful termination by their employers make headlines on a regular basis. Self-storage businesses are not impervious to this type of trouble. In today’s litigious environment, all employers would be wise to consider employment practices liability coverage to...
Employment Practices Liability Coverage
No business is immune to the possibility of employment practices complaints, which most commonly involve complaints of sexual harassment, discrimination, and wrongful termination. With this in mind, it is important to discuss employment practices liability coverage with your insurance agent. Employment practices liability coverage may be...
Fireworks Safety
In the weeks surrounding the July 4th holiday, an average of 180 people per day wind up in the emergency room due to fireworks-related injuries according to the U.S. Consumer Product Safety Commission. Fireworks are synonymous with Independence Day celebrations. But in the midst of the festivities, it can be easy to overlook the fact that...
Pest Control
The last thing your tenants want to discover is evidence of damage to their valuable stored items as a result of insects, rodents, or other pests. Your facility risk management plan should include a monthly pest control prevention program that includes regular inspections and treatment. Hiring a licensed, insured pest control vendor to perform...
Maintaining Gates and Elevators
Gates, gate operators, and elevators are some of the most frequently used features at a self-storage facility. Now that spring is on the way, it's a good time to inspect these systems and make any necessary repairs. This action ensures that these systems are operating at peak efficiently while helping to minimize the potential for costly property...
Spring Roof Inspection and Maintenance
As you plan ahead for the busy summer rental season, one of the first tasks to address is a thorough roof inspection. Roofs and gutters can take a beating during the winter months, and it is important to address any issues before a problem escalates into a leak causing costly damage to the facility or tenants' stored items. Be sure to inspect the...
Hurricane Emergency Plan
With the 2022 hurricane season underway, it is critical that you be prepared. The first step is to create an emergency preparedness plan, a basic requirement for all businesses regardless of location. Once the plan has been developed, it is important to communicate it to your managers and employees. Training – Provide ongoing training for your...
Hurricane Season Forecast
June 1st marks the official start of the Atlantic hurricane season. This year's extended-range forecast by Colorado State University research scientist Dr. Philip Klotzbach anticipates above-normal activity. His forecast for the 2022 Atlantic hurricane season predicts 19 named storms including 9 hurricanes with 4 classified as major hurricanes...
Downed Power Line Safety
Downed power lines can be deadly. They can energize the ground for up to 35 feet (or more in wet conditions). The Electrical Safety Foundation International (ESFI) recommends that downed power lines should always be assumed to be live to reduce the risk of severe injury or fatality. Here are...
Electrical Safety and Hurricanes
The Atlantic hurricane season runs from June to November, and severe storms can strike across the country at any time. The storm preparation checklist for your self-storage facility should include electrical safety considerations. The Electrical Safety Foundation International (ESFI) offers recommendations for before, during, and after a...
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