Insights

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 operations, their customers, and their delivery drivers. With that in mind, let’s unpack these unique complexities, offering...

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5 Ways to Mitigate Wind and Hail Damage Risks for Your Insureds

5 Ways to Mitigate Wind and Hail Damage Risks for Your Insureds

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...

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Cyber security: how to guide your insureds through a data breach

Cyber security: how to guide your insureds through a data breach

How to Guide Your Insureds Through a Data Breach Whether through sophisticated malware, phishing schemes, or an unsecured website that leads to data leaks, cyber attacks occur frequently enough to warrant due diligence. Cyber attacks affect businesses of every size — from a mom-and-pop shop that takes digital payments to large enterprises that...

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Cyber Risks of Using Public Phone-Charging Stations

Cyber Risks of Using Public Phone-Charging Stations

Your clients’ exposure to cybercrime doesn't end at the office door. Hackers have a variety of ways to access critical business information via phishing, ransomware, and malware. One of the latest trends in cyberattacks involves the use of public phone-charging stations. Although these charging stations are convenient and appear safe, they can...

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How to Insure Antiques and Fine Collectibles

How to Insure Antiques and Fine Collectibles

It’s a $42,000 mistake that happened recently at an art exhibit in Miami. The most famous balloon dog sculpture in the U.S. was accidentally knocked over by an attendee — and it shattered into pieces. Wait a minute..? Why didn’t they place that sculpture under protective Glass or something? Good point! But the bigger question is, “Who’s going to...

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PEZ Outlaws, Beanie Babies, and the Need for Insurance

PEZ Outlaws, Beanie Babies, and the Need for Insurance

There’s a group of collectibles that deserves to be in its own category. And because the right name for it doesn’t exist yet, we came up with an acronym of our own. We’re calling this group the CCC — short for “collectible cash cows.” You may already know a bit about these high-value collectibles that have become internet sensations. For one,...

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MiniCo Announces Sale of its Publishing Division to Storelocal

MiniCo Announces Sale of its Publishing Division to Storelocal

Phoenix, AZ (March 8, 2023) – MiniCo Insurance Agency LLC (MiniCo) announced today that it has finalized the sale of its Publishing Division, effective March 1, 2023, to Storelocal Media Corporation (Storelocal). “It’s very exciting,” said Travis Morrow, Storelocal’s CEO, “Mini-Storage Messenger is not about just a magazine–it’s what it...

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Myths About Nonprofits: How to Protect These Organizations

Myths About Nonprofits: How to Protect These Organizations

There are about 2 million nonprofit organizations in the U.S. With their entrepreneurial spirit and mission-guided purposes, these nonprofits play a tremendous role in our society. Nonprofits champion humanitarian goals, advocate charitable causes, lead the forefront in scientific research, serve as guardians for the environment, and more. ...

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The Future of Technology in Agribusiness

The Future of Technology in Agribusiness

Understanding The Future of Technology in AgribusinessThe digital revolution is making great strides in the agriculture business, and for good reason. For one, digital technologies in agriculture have helped improve crop yields and fine-tune the food system from beginning to end. MiniCo’s VP of Underwriting, Nathan Garrett, has some great...

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Insider Perspective: 2023 Trends to Watch in the Self-Storage Insurance Market

Insider Perspective: 2023 Trends to Watch in the Self-Storage Insurance Market

Insurance rates are rising, media is buzzing about a possible recession, and capital is becoming harder to find. We spoke with MiniCo VP of Underwriting and P&C Insurance expert, Josh Leykam, about how these factors are impacting commercial self-storage and what we can expect in the year ahead. Although no one can say for sure what 2023 will...

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Top 7 Most Unusual Collections We’ve Insured

Top 7 Most Unusual Collections We’ve Insured

We’ve all heard stories about the Hollywood stars and athletes who take out insurance policies to cover specific body parts. World War II pinup model and actress Betty Grable was famous for having a $1 million insurance policy on her legs. More recently Proctor and Gamble insured the flowing locks of its shampoo spokesperson (and former...

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When Winter Drops a Bomb: Understanding Bomb Cyclones

When Winter Drops a Bomb: Understanding Bomb Cyclones

Winter Storm Elliott made headlines in December 2022 for its incredible ferocity and destructive power. Amid the reports, many of us first encountered the term “bomb cyclone.” While not a rare phenomenon, bomb cyclones don’t usually cause the level of damage that Elliott inflicted.  Air travel during the 2022 holiday season produced moments...

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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...

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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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Top 5 Cybersecurity Threats

Top 5 Cybersecurity Threats

Self-storage facilities can be prime targets for cybercriminals who can use customer information to rob bank accounts via wire transfers, steal customers’ personal identity information, and commit other fraudulent activities. In general, many small businesses are vulnerable to data breaches for three key reasons: · They don’t believe they...

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Flood Hazards

Flood Hazards

In the aftermath of a flood, there are a number of hazards that you may encounter. The Occupational Safety and Health Administration (OSHA) identifies the following hazards associated with floods.·  Electrical hazardsTree and debris removalLifting injuriesMoldRodents, snakes, and insectsChemical and...

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Flood Hazards

Flood Watch vs. Flood Warning

Which flood alert is more critical – a watch or a warning? It's important to know the differences in the warning system alerts and understand the appropriate action to take for each alert level. Flood Watch Meaning: Flooding is possible. Action: Monitor radio and television stations for more information. Flash Flood Watch Meaning: Flash flooding...

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Top 5 Cybersecurity Threats

Flood Evacuation Planning

The growing frequency and severity of weather events such as wind, hail, and torrential rain can increase the risk of flooding. Before flood waters approach your self-storage facility, make sure to put an evacuation plan in place to ensure your personal safety and that of your employees and customers. A thorough evacuation plan should include:...

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Top 5 Cybersecurity Threats

Safety After a Wildfire

The hazards associated with wildfires may persist even after the flames have been extinguished. Here are some tips for staying safe after a wildfire. · Monitor information from authorities as to when it is safe to return to an area and whether water is safe to drink. · Avoid hot ash, charred trees, and smoldering debris. · Wet down debris to...

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Top 5 Cybersecurity Threats

Communicating With Tenants About Fire Prevention

September is National Preparedness Month, and creating a communications plan is a top priority when it comes to fire prevention at a self-storage facility. Regular communication to customers can go a long way toward mitigating the risk of fire on the property. Examples of tenant communication include the following: Signage: Post “no smoking”...

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Top 5 Cybersecurity Threats

Creating a Defensible Space Against Wildfires

One of the most important and cost-effective steps you can take to mitigate the risk of wildfire damage at your self-storage operation is to create and maintain a defensible space around the facility. This is a zone in which vegetation, debris, and other combustible fuels have been cleared, minimized, or treated with the goal of slowing the...

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Top 5 Cybersecurity Threats

First Aid for Heat-Related Illness

If you suspect that an employee or tenant is showing the symptoms of heat exhaustion or heat stroke, it is important to take action quickly. Time is of the essence in order to minimize the risk of serious injury or death. First aid actions for heat-related illness: Call a supervisor or co-worker for help. If no one is available, call 911.Have...

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Flood Hazards

Happy National Safety Month!

June is National Safety Month, and the National Safety Council (NSC) is marking the occasion by focusing on workplace safety education and awareness. The most recent data from the Bureau of Labor Statistics is from 2020, and the NSC's analysis of the numbers indicates that workplace injuries are on the rise. In 2020, nonfatal injuries that...

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Top 5 Cybersecurity Threats

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 HelpCover 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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Flood Hazards

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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Flood Hazards

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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Flood Hazards

Pre-Wildfire Planning

The Department of Homeland Security's website www.Ready.gov, recommends the following steps to prepare for wildfires. Stay Informed Sign up for your community's warning system.Monitor alerts from the Emergency Alert System (EAS) and National Oceanic and Atmospheric Administration (NOAA) Weather Radio.Know your community's evacuation plan. Make a...

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