Insights

Protecting Nonprofits and Their Volunteers

Protecting Nonprofits and Their Volunteers

‘Tis the season for end-of-the-year charitable giving! As fundraising efforts ramp up and volunteers pitch in, make sure your nonprofit clients have the coverage they need.  The last few weeks of the year are critical for charitable organizations when it comes to fundraising. The holiday message of giving to others combined with the end-of-year deadline for tax deductions can translate into sizable monetary donations for nonprofits and social services...

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Rising Catastrophic Losses Underscore the Importance of Property Valuation

Rising Catastrophic Losses Underscore the Importance of Property Valuation

For the past several years, catastrophic insurance claims of all types have been occurring more frequently and with increasing severity. The Insurance Information Institute reported $92 billion of insured losses in the United States in 2021 as a result of natural catastrophes to include severe storms, wind, hail, wildfire, flood, and earthquake....

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Self-Storage: Opportunity Behind the Rollup Doors

Self-Storage: Opportunity Behind the Rollup Doors

4 Reasons Why Insurance Agents Should Give Self-Storage Risks a Closer Look Self-storage is a superstar in the commercial real estate market. Over the past half-century, the industry has proven itself to be resilient to the vagaries of consumer trends, economic recession, and even global pandemic. As the industry continues to grow, so...

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MiniCo Recognized as 5-Star Program Administrator by Insurance Business America

MiniCo Recognized as 5-Star Program Administrator by Insurance Business America

MiniCo has been chosen for this award for the second year in a row by voters within the insurance industry. MiniCo Insurance (MiniCo), a Jencap company, has been recognized for the second consecutive year as a 5-Star Program Administrator by Insurance Business America. Program administrators were nominated by insurance industry professionals...

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How to Get Your Underwriter to Get Behind Your Risk

How to Get Your Underwriter to Get Behind Your Risk

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...

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Hurricane Season at Halftime: What Do Forecasters Predict for the Atlantic?

Hurricane Season at Halftime: What Do Forecasters Predict for the Atlantic?

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...

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Cyber Liability is An Important Protection for All Industries

Cyber Liability is An Important Protection for All Industries

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....

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Higher Construction Costs Lead To Increased Insurance Rates

Higher Construction Costs Lead To Increased Insurance Rates

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...

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Loss-Control Tips for Private Collectors

Loss-Control Tips for Private Collectors

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...

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Why You Need to Have Google Business in 2022

Why You Need to Have Google Business in 2022

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!...

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Getting Seen and Followed on Twitter

Getting Seen and Followed on Twitter

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...

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All About QR Codes

All About QR Codes

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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MiniCo Insurance Agency Named Best of Business in  Self-Storage Commercial Insurance for Eleventh Year

MiniCo Insurance Announces Two Strategic Leadership Promotions

Rick Krouner and Jim Henry have been tapped to lead MiniCo's Specialty Programs and National Programs divisions. MiniCo Insurance Agency (MiniCo) is pleased to announce two leaders stepping into strategic leadership roles. Rick Krouner, formerly President of MiniCo’s Casualty division, has been named President of MiniCo’s Specialty Programs...

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Jencap Creates Strategic New Role for Their Programs Division

Jencap Creates Strategic New Role for Their Programs Division

NEW YORK, NY (January 13, 2022) – Jencap Program Administrators (JPA), a division of Jencap Group LLC (Jencap), is pleased to announce the newly created executive role of Chief Revenue Officer.  Mike Schofield, formerly President and Chief Executive Officer of MiniCo Insurance Agency (MiniCo), a JPA company, will assume this new...

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Planning Ahead for Tornadoes

Planning Ahead for Tornadoes

Tornadoes are one of the most devastating weather events in terms of property damage and potential for injury and loss of life. While tornadoes can occur anywhere, the United States experiences the highest number of any country. As of mid-December 2021, there were over 1,000 confirmed tornadoes in the U.S. including 14 events that resulted in...

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Instagram Stories: Creative Ideas to Try

Instagram Stories: Creative Ideas to Try

Are you always seeing Instagram stories at the top of your newsfeed but never know what to post for your agency? A creativity roadblock can be frustrating. Instagram gives you a lot of fun creative options, but it can be overwhelming at first because not everything is quite as simple as it seems. Smoke and Mirrors There’s no magic trick to...

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Reexamining Corporate Culture In The “Great Resignation”

Reexamining Corporate Culture In The “Great Resignation”

Corporate culture is a determining factor in the success of every business. It influences how your employees interact and communicate with customers and each other, how they conduct assigned tasks, how they behave while at work, and how they solve problems and address conflicts. As the United States approaches the two-year anniversary of the...

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How to Build A Social Media Calendar

How to Build A Social Media Calendar

It’s important to have a routine schedule with your social media presence. One of the best ways to do that is by having your own social media calendar to keep your thoughts and posts organized. There are many sources that can help you plan, but the last thing anyone needs is another app on their phone. Using programs you likely have on your...

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Self-Storage Lease Agreements Protect Your Clients

Self-Storage Lease Agreements Protect Your Clients

A self-storage lease agreement (or rental contract) is one of the most important elements of your self-storage operation's risk management program. It is the most critical document executed between the business and the tenant in terms of protecting the facility's interests. The lease agreement formally establishes the relationship between the...

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How to Get onto Instagram’s Explore Page

How to Get onto Instagram’s Explore Page

Instagram’s Explore page isn’t anything new, but it is unique to other social media platforms. It’s essentially a page full of content from Instagram accounts you don’t follow that the algorithm thinks you will be interested in. Being featured on the explore page is independent to a user’s interests and engagements. Every explore page is unique...

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Flood Evacuation Planning

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 planSpecific evacuation proceduresMaps of evacuation routesProcedures for accounting for all personnelEmergency functions with staff assignmentsEmergency equipment Don’t forget to...

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Flood Evacuation Planning

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...

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Flood Evacuation Planning

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...

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Flood Evacuation Planning

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...

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Flood Evacuation Planning

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...

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Flood Evacuation Planning

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...

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Flood Evacuation Planning

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 or...

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Flood Evacuation Planning

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...

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Watch Out for Heat Stress

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...

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Watch Out for Heat Stress

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...

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Watch Out for Heat Stress

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...

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Watch Out for Heat Stress

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...

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Watch Out for Heat Stress

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...

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Pest Control

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...

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Maintaining Gates and Elevators

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...

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Spring Roof Inspection and Maintenance

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...

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Hurricane Emergency Plan

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...

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Hurricane Season Forecast

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...

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Flood Evacuation Planning

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...

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Electrical Safety and Hurricanes

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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