Insights

Beyond Basics: Insurance for Adult Care Facilities

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 residential facilities build on that concept — creating environments where residents receive personalized care while maintaining a...

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What HNOA Insurance Covers That Traditional Auto Does Not

What HNOA Insurance Covers That Traditional Auto Does Not

Finding out you’re on the hook for huge financial damages — and that your insurance policy won’t cover it — is every business’s worst nightmare. Just ask Metallica (yes, the band!) about the dangers of not knowing exactly what your policy covers – and what it excludes. Thanks to a pandemic-related debacle, the band sought to recoup millions of...

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Safe and Sustainable Growth Strategies for Food and Cannabis Delivery Operations

Safe and Sustainable Growth Strategies for Food and Cannabis Delivery Operations

The burgeoning cannabis delivery industry, like the food industry, has seen exponential growth, driven by increasing legalization and consumer demand. Yet, as many delivery business owners know all too well, with growth comes the challenge of effectively scaling operations. Delivery issues—like delays, regulatory compliance missteps, or customer...

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Safe Delivery, Safer Business: Mitigating Risks in Food and Cannabis Delivery 

Safe Delivery, Safer Business: Mitigating Risks in Food and Cannabis Delivery 

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...

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Hidden Hazards: Identifying and Insuring Common Self-Storage Property Exposures

Hidden Hazards: Identifying and Insuring Common Self-Storage Property Exposures

Self-storage facilities may look like typical brick-and-mortar business operations from the outside — but, when it comes to insurance coverage, they’re not. The truth is, with their distinct property exposures, self-storage facilities require a different approach to insurance coverage, one that accounts for their specific vulnerabilities. ...

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How to Navigate Slip, Fall, and Injury Risks for Self-Storage Facilities

How to Navigate Slip, Fall, and Injury Risks for Self-Storage Facilities

Self-storage facilities, sometimes perceived as low-risk environments, can unexpectedly become targets for liability issues, particularly in the category of slip, fall, and bodily injury claims. Picture this: An excited college student, arms full of boxes, takes a serious fall while walking down an interior hallway to their rented unit due to a...

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Meeting the Growing Need for Expert Self-Storage Insurance

Meeting the Growing Need for Expert Self-Storage Insurance

The self-storage industry has grown rapidly in the past several years, reaching an estimated market value of $44.37 billion, outpacing many other notable companies like Aflac, General Mills, Humana, and even 7-Eleven.  The reason?  People love their stuff — and they don’t want to part ways with it. According to Josh Leykam, MiniCo Vice...

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Decoding Specialty BOPs: Tailored Insurance to Mitigate Self-Storage Risks

Decoding Specialty BOPs: Tailored Insurance to Mitigate Self-Storage Risks

Most business owners understand the importance of having the right general liability (GL) insurance. What they may not know is that their GL policy isn’t all-inclusive and doesn’t provide protection for losses associated with business personal property as well as other critical coverages. A business owner’s policy (BOP) is an effective option for...

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Collection Preservation: The Collector’s Path to Peace of Mind

Collection Preservation: The Collector’s Path to Peace of Mind

From rare artwork to Wine to unique memorabilia, the world of collecting is both varied and ever-evolving, demanding a strategic approach to collection preservation. A collector’s worst fear is damage to or loss of a priceless, irreplaceable item or collection. For the savvy collector, implementing effective risk mitigation and preservation...

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The Art of Restoration with Specialty Insurance

The Art of Restoration with Specialty Insurance

When most collectors think of fine arts insurance, they may imagine disasters brought on by major events like fires, floods, and theft. However, the most common perils that threaten unique art collections are far more subtle: a poorly hung painting that falls to the ground or a simple scratch due to improper handling. Unlike the expectations with...

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Navigating the Underinsurance Crisis for Small Businesses

Navigating the Underinsurance Crisis for Small Businesses

Small businesses may not get the same level of media attention as larger Fortune 500 companies, but they’re quietly working away to bolster the economy, provide jobs to millions, and navigate the underinsurance crisis. Businesses with fewer than 50 employees account for 45% of all private sector jobs and keep roughly 56 million Americans...

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Nine Tips for Keeping Employees Safe this Winter

Nine Tips for Keeping Employees Safe this Winter

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...

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Safeguarding Commercial Properties: Tips to Prevent Winter Fires

Safeguarding Commercial Properties: Tips to Prevent Winter Fires

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...

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Winter Preparedness is Key as Regulators Warn of Grid Disruptions

Winter Preparedness is Key as Regulators Warn of Grid Disruptions

According to the North American Electric Reliability Corporation (NERC)’s 2023-2024 Winter Reliability Assessment, two-thirds of the United States and Canada may be in for a chilly winter season. The report concludes that during peak winter weather conditions, prolonged dips in temperatures will significantly disrupt the electric grid and...

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Self-Storage Demand Holds Steady With Few Signs of Post-Boom Decline

Self-Storage Demand Holds Steady With Few Signs of Post-Boom Decline

Americans love our stuff — and we’re so reluctant to part with it that we’re willing to pay someone else to store it. Storage Cafe estimates that 38% of Americans have used or plan to rent space to store what they can’t (or don’t want to) keep in their homes. Over the past two years, there’s been a boom in the self-storage industry, driven...

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Common Cyber Insurance Myths and Misconceptions

Common Cyber Insurance Myths and Misconceptions

No matter what kind of business you’re in, the threat of cybercrime — and its associated costs — looms large. According to IBM Security, globally the average cost of a single breach reached an all-time high in 2023 ($4.45 million). In the U.S., that number is even higher, with an average cost of $9.48 million per breach, an increase of 0.4% from...

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Navigating Middle-Market Pricing Hikes

Navigating Middle-Market Pricing Hikes

Lately, middle-market businesses (those that typically pay premiums upward of $75K) are finding it difficult to secure reasonable commercial property and auto insurance. This is pushing many of them to pursue new insurance solutions for the coming year.  What’s Driving Middle-Market Property and Auto Prices?  In its Q2 2023 Property and...

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Nonprofit Insurance for Giving Tuesday 2023 — And Beyond

Nonprofit Insurance for Giving Tuesday 2023 — And Beyond

The Significance of Giving Tuesday While most of us may be in the midst of planning our Thanksgiving menu or trying to get a jump-start on our holiday shopping list, nonprofits across the globe are gearing up for Giving Tuesday. Giving Tuesday — which falls on November 28th this year — marks a unique opportunity for nonprofit and social services...

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Nonprofit Sector Growth Underscores Need for Specialized Insurance

Nonprofit Sector Growth Underscores Need for Specialized Insurance

The American nonprofit sector has grown an astounding 33% over the past 15 years — faster than any other segment in the economy. Although the private for-profit sector continues to employ the largest number of individuals across the country, the nonprofit sector holds the number two spot — ahead of federal, local, and state governments.  In...

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Floods and Electrical Safety

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...

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Floods and Electrical Safety

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...

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Electrical Safety Checklist

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...

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Safety After a Tornado

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...

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Surviving a Tornado

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....

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Tornado Warnings

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...

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Hail Season and Your Roof

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...

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Hail Season Preparation

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...

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Vehicle Breakdowns in Winter Weather

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....

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Driving in Winter Weather

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...

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Driving in Winter Weather

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. ·...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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...

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Securing a Snow-Removal Company

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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