Insights
Top 8 Key Nonprofit Insurance Coverages for 2027
Nonprofit accounts rarely hold still between renewals. For example, a food bank might add a delivery route, or a youth program could start asking volunteers to drive. On closer inspection, money drives many of these shifts. In the Center for Effective Philanthropy’s State of Nonprofits 2026 report, 66% of nonprofit CEOs said they were concerned about their organization’s financial stability. Under that pressure, organizations tend to lean harder on volunteers and...
The New Reality for Nonprofit Insurance: How rising demand, donor uncertainty, and emerging nonprofit risks are reshaping what coverage needs to do.
For nonprofit leadership and social services organizations, the pressure feels a bit different lately. While the demand for services is climbing, the resources to meet them are thinning out. These organizations are being pushed to do more, act faster, and provide ironclad proof that they are making a difference. Reports show that 34% of...
The Financial Truth About Hail Impact: Why It’s More Than Just a Roof Problem
You know firsthand that helping clients grasp the full scope of their risk is a constant challenge. While a hailstorm might seem like a minor event, the resulting physical damage and operational downtime can be devastating. Your expertise helps them bridge that gap, turning an underestimated threat into a manageable plan. Hail Impact by the...
Nonprofit D&O Insurance Protection: When Mission-Driven Work Meets Real-World Risk
Nonprofits are built on the idea of service, but that mission doesn’t provide a get-out-of-jail-free card when it comes to legal scrutiny. The statistics are actually quite jarring: nearly 63% of nonprofits face a D&O claim over any given 10-year period. Surprisingly, these organizations see litigation more frequently than their...
Nonprofit Insurance Myths That Can Derail Coverage
There are nearly 1.8 million nonprofit organizations operating across the U.S. today, each built around a mission, but all running on real-world operations, people, and risk. And that’s where things get tricky. While nonprofits are widely respected for what they do, they’re misunderstood when it comes to nonprofit insurance coverage and...
Arborist Insurance Spring Tune-Up: Helping Your Landscaping Clients Look Better to Underwriters
Spring signals go time for landscaping and tree care crews. Equipment comes out of storage, trucks hit the road, and property owners are finally ready to tackle storm cleanup and pruning. For insurance agents, this seasonal rush is also the perfect window for a different kind of tune-up, like helping your clients tighten up their risk profiles...
How Construction Cost Trends Impact Self-Storage Insurance
In 2026, the primary driver behind most property insurance valuation discussions is the shifting cost of construction. We aren't seeing the wild, unpredictable spikes that defined the start of the decade, but the pressure hasn't disappeared. Between labor shortages and fluctuating material prices, underwriters are looking much more closely at how...
Self-Storage Insurance Trends to Watch in 2026
Insurance pricing is moderating, and competition is increasing. Capital remains available, but catastrophe exposures continue to shape underwriting decisions. What does it all mean? To better understand how these forces are impacting commercial self-storage, we spoke with MiniCo’s Vice President of Underwriting, Josh Leykam, about what insurance...
Commercial Self-Storage Insurance Is Critical, But It’s Not the Full Story
Agents who work with storage facility owners understand that commercial self-storage insurance is a must-have protection for their clients. Property, liability, business interruption – they are all essential, obvious coverages that protect the business itself. But there is an additional layer of protection agents may be missing: tenant programs....
Filing a Commercial Property Insurance Claim: 3 Tips From Claims Adjusters
From storm damage and tenant injuries to vandalism and equipment failure, commercial property owners face a wide range of exposures that can trigger a commercial property insurance claim. While strong commercial property risk management practices help reduce risk, claims are an inevitable part of property ownership. When a loss occurs, what a...
Cybersecurity Threats in Self-Storage: Prepare, Prevent, and Protect
When U-Haul International Inc. experienced a break-in involving millions of customers, it wasn’t a failure of locks, cameras, or physical security. Thieves targeted an internal digital tool that quietly exposed sensitive customer information over time. It’s an eye-opening illustration of how cyber risk quietly enters the self-storage...
Self-Storage Lien Sales: What Agents Need to Know to Protect Their Clients
Delinquent tenants are a fact of life for self-storage businesses. A small number of delinquencies will eventually result in a lien sale, wherein the facility auctions the contents of the delinquent tenant’s storage unit. If you work with accounts in this industry, it’s important for you and your client to understand the risks that come with lien...
Why Specialized Self-Storage Insurance Deserves a Closer Look From Agents
It’s resilient. It’s adaptable. And it could be a key opportunity for you as an agent. While the industry has matured and competition has intensified, demand for self-storage holds steady. Take a look at these self-storage industry trends to learn why you might want to investigate the opportunities for building your book of business. 1. A Large,...
Cyber Risk Trends Reshaping Nonprofit Risk Management in 2026
If mission-driven organizations make up a significant portion of your book of business, listen up. Cyber risk trends in 2026 are forcing nonprofit leaders to confront the difficult reality that they’re no longer peripheral targets. They are now central to the cybercrime economy. When you think about why, it makes sense. There’s valuable donor...
Insuring Self-Storage Conversions: What Agents Should Know
Self-storage conversions are having a moment. If you work with clients planning portfolio expansion, the latest Inside Self-Storage (ISS) article, “Self-Storage Conversion Projects: Benefits, Options and Key Considerations for Success,” is well worth your time. The piece breaks down why conversions are becoming a go-to strategy, where the hidden...
The New Reality: Why Nonprofit Insurance is About to Get Complicated in 2026
Let’s be honest: If you’re waiting for one single, massive trend to define nonprofit organization insurance in 2026, you won’t find it. The real challenge is the perfect storm brewing. Nonprofits have always had risk. That’s a given. But the speed and weight of these challenges? That’s new. Agents who figure this out early, before budgets are...
2026 Commercial Property Insurance Outlook: What Agents Need to Know
The market is finally stabilizing, but CAT exposure and risk mitigation still define which accounts win the best terms. If you’ve been placing commercial property since 2020, you’ve lived through commercial insurance trends like relentless rate pressure, shrinking capacity, and constant conversations about deductibles, exclusions, and what’s no...
Common Injuries in Landscaping: What Agents Should Know
Landscape contractors face the risk of serious injuries and falls on even small-scale projects. Insurance agents who understand these risks can help their clients protect their crews and their bottom line. Sun, soil, and sweat. Pretty basic, right? While landscaping might sound like one of the more straight-forward trades, the numbers tell a...
Job Hazard Analysis for Artisan Contractors
When your artisan contractor clients show they can identify, control, and document job hazards, they protect their crews and improve their insurance profile. A small flooring crew shows up to a commercial renovation job before dawn. The site looks clear, but within the first hour, a worker slips on leftover adhesive. By lunch, another tweaks a...
Risk Management for Flooring Contractors: Why Safety Pays Off
Flooring contractors may work on solid ground, but their risks run deep. Here’s how proactive safety and risk management can protect crews, reduce claims, and lower insurance premiums. Flooring contractors are part of the artisan trades shaping every new build and renovation, from hardwood and tile installations to commercial carpet and...
Key Coverages in Self-Storage Insurance
When it comes to self-storage, “standard coverage” is anything but standard. These facilities operate in a space where everyday risks look very different from those faced by traditional commercial properties, and so do the coverage needs. That’s exactly why specialized self-storage insurance exists: to account for the realities of the industry...
Floods and Electrical Safety
Over the past five years, all 50 states have experienced floods or flash floods, and, on average, more deaths occur due to flooding each year than any other weather-related hazard. Safety precautions during floods should include considerations for electrical safety. Guidance from the Electrical Safety Foundation International (ESFI) includes the...
Electrical Safety in Older Buildings
Workplace injuries and fatalities related to electricity totaled over 2,060 in 2019 according to the Electrical Safety Foundation International (ESFI). Last week, we discussed the organization's tips including overtaxed wiring prevention, extension cord safety, and ground-fault circuit interrupter usage. The EFSI has two additional tips regarding...
Electrical Safety Checklist
According to the Electrical Safety Foundation International (ESFI), there were 166 workplace fatalities and 1,900 non-fatal workplace injuries related to electricity in 2019. To increase electrical safety awareness and prevent electrical fires and electrocutions, the ESFI offers the following tips. Don't Overtax Wiring: Avoid overloading power...
Safety After a Tornado
Once a tornado has passed, it is important that you take steps to stay safe while navigating the debris and damage left behind. Here are some tips to keep in mind. Get Help Cover your mouth with a cloth to avoid breathing dust. If you are trapped, try to send a text, bang on a pipe or wall, or use a whistle to summon help. If you are not...
Surviving a Tornado
Do you and your self-storage employees know what to do if a tornado strikes? Here are tips to help survive during a tornado. Find Safe Shelter Evacuate employees and customers to the closest safe shelter. Take Additional Cover Shield your head and neck with your arms and surround yourself with items such as furniture, blankets, or mattresses....
Tornado Warnings
Forecasters are predicting an active tornado season, so it is important for self-storage businesses to be prepared. Tornadoes can destroy buildings, flip cars, and create hazardous flying debris, and they can happen anywhere at any time. If you are under a tornado warning, follow these important steps. Inside: Go to a safe room, basement, storm...
Hail Season and Your Roof
Hail storms can cause catastrophic damage to self-storage facilities and often result in repairs or replacement of the entire roof or the damaged portions of the roof. For property owners in areas prone to hail storms, this is an expected, if decidedly unwelcome, potential peril. Here are some recommendations to help protect your facility from...
Hail Season Preparation
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...
Vehicle Breakdowns in Winter Weather
It's cold, there's snow and ice on the roads, and your vehicle has left you stranded. What should you do next? Here are some tips to stay safe until help arrives: · Before departing, consider your route. If you're going to be traveling through an area with limited cell phone coverage, be sure to let someone know when and where you'll be driving....
Driving in Winter Weather
Before heading out on the roads during winter months, it's important to be prepared to drive safely for specific road and weather conditions. Here are some tips: · Prior to departing, clear snow and ice from your car including the windshield, windows, mirrors, lights, reflectors, hood, roof, and trunk. · Keep your headlights on while driving to...
Check the Forecast Before Driving in Winter
The U.S. Department of Transportation estimates nearly one in four weather-related vehicle crashes involve winter weather conditions. Checking the weather forecast before heading out on wintry roads is an important way to reduce risk. Here are some tips: · If the forecast calls for nasty winter weather, staying put may be the safest decision. ·...
Securing a Snow-Removal Company
Winter weather brings colder temperatures, which often mean snow and ice. At a self-storage facility, snow and ice can mean slippery walkways, wet floors, and roofs that need to be cleared of snow accumulation. Consider contracting with a reputable, insured, and licensed snow-removal company. These companies contract with businesses to remove...
Preparing Your Vehicle for Winter Driving
Winter weather can make driving hazardous. According to the U.S. Department of Transportation, nearly one in four weather-related vehicle crashes involve snow, slush, or icy roads. One important way to reduce risk when driving during winter weather is to prepare your vehicle in advance. Here are some tips: Assemble a winter survival kit and keep...
Minimize Holiday Stress with Customer Service
The holiday season is a joyful time, but it can also be stressful. The combination of holiday expenses and obligations, foul weather, cold and flu season, financial pressures, and end-of-the-year work deadlines can get the best of anyone at one time or another. Factor in the ongoing coronavirus pandemic, and this holiday season may be even more...
Reporting Claims
If your self-storage property has suffered damage due to a storm, fire, or other event, it is important to file an insurance claim quickly. It is equally important to provide complete information in your claim report. This will enable your insurance agent and insurance company to process your claim as quickly as possible. Claim reporting...
What is a Man-In-The-Middle Attack?
In order to protect your self-storage operation from cybercrime, it helps to understand the most common threats and tactics used by cybercriminals. This week's topic is man-in-the-middle attacks. What is a Man-In-The-Middle Attack? Also known as an eavesdropping or hijacking attack, a man-in-the-middle, or MITM, attack lets hackers secretly put...
What is Ransomware?
In order to protect your self-storage operation from cybercrime, it helps to understand the most common threats and tactics used by cybercriminals. This week's topic is ransomware. What is Ransomware? Ransomware is a type of malicious software designed to block access to a computer system or computer files until a sum of money is paid. It freezes...
What is Phishing?
In order to protect your self-storage operation from cybercrime, it helps to understand the most common threats and tactics used by cybercriminals. This week's topic is phishing. What is Phishing? Phishing is the preferred tool of cybercriminals, accounting for 93 percent of all breaches, which are...
What is Malware?
In order to protect your self-storage operation from cybercrime, it helps to understand the most common threats and tactics used by cybercriminals. This week's topic is malware. What is Malware? The word "malware" is a shortened version of the term “malicious software.” Malware works by infecting a computer to...
What is a Password Attack?
In order to protect your self-storage operation from cybercrime, it helps to understand the most common threats and tactics used by cybercriminals. This week's topic is password attacks. What is a Password Attack? A password attack often uses an automated system in which different password combinations are used to try to gain...
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