Insights
2025 Trends in Home Health Care
Home health care has always been a balancing act — managing patient needs, caregiver shortages, and compliance challenges in unpredictable environments. But in 2025, rising costs and rapid technology adoption are reshaping the industry faster than ever. With labor and supply expenses climbing, agencies are seeking ways to streamline operations and reduce financial risk. Meanwhile, artificial intelligence (AI) technology, remote monitoring, and telehealth are...
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...
HNOA Insurance for Food and Cannabis Delivery
Many food and cannabis delivery service providers mistakenly believe their employees are fully covered on the road through commercial auto insurance or the employees’ personal auto policies — but that’s not the case. If a business hires drivers who use borrowed, rented, or personal vehicles for food or cannabis deliveries, they risk exposure to...
Ask Your Clients These Collectibles Insurance Questions
Collectibles represented a $458.2 billion market last year, with expectations to grow up to $462 billion in 2023. Whether someone collects sports jerseys, bourbon, jewelry, or specialty duck decoys, they want to know their investment is protected. While standard insurance policies can offer some protection, they weren’t designed with...
Behind Locked Doors: Unusual Finds in Self-Storage Units
Abandoned storage units have long held an aura of mystery and intrigue, captivating the public’s imagination through television shows like “Storage Wars” and “Auction Hunters.” And who could forget the scene in the classic horror film “Silence of the Lambs” where Clarice Starling, played by Jodie Foster, crawls into storage unit #31 in pursuit of...
Seven Cybersecurity Measures That Lower Insurance Premiums
There has been a staggering surge in cybercriminal activities over the past few years, with a global increase of 38% between 2021 and 2022. The financial repercussions of an attack can be crippling, with an average cost of a single data breach reaching $4.45 million. In an effort to cover their losses and keep up with demand, insurers have...
3 Things Claims Adjusters Want Your Clients to Know
The 2023 hurricane season has been punctuated by the damaging winds and rain of Tropical Storm Hilary in California as well as Hurricanes Idalia and Lee and Tropical Storm Ophelia on the Atlantic coastline. And it’s not over yet! Risk management can go a long way toward mitigating incidents of property damage or bodily injury at a commercial...
Wildfires and Other Secondary Perils Driving Insurance Costs
The devastating wildfires on Maui have shone a spotlight on an issue that’s being felt much more broadly than just in the Aloha State. Thanks to shifting weather patterns, there’s been a recent uptick in “secondary perils” — wildfires, major thunderstorms, and landslides — which is prompting private insurers to pull back or limit coverage,...
MiniCo Recognized as 5-Star Program Administrator by Insurance Business America
MiniCo has been chosen for this award for the third year in a row by voters within the insurance industry. MiniCo Insurance (MiniCo), a Jencap company, has been recognized for the third consecutive year as a 5-Star Program Administrator by Insurance Business America. Program administrators were nominated by insurance industry professionals and...
Understanding Animal Mortality Insurance: Protection for Livestock Owners
Animal death is an unfortunate, yet expected, reality in the world of livestock and animal management. All animals have an average lifespan, and livestock owners take that into account when considering their operational costs. However, accidental or unexpected deaths — those not caused by old age — can be devastating to a farm or ranch...
Benefits of Working with a Program Administrator
While there’s no silver bullet when it comes to complex, specialty insurance placement, the skills of a Program Administrator come close. Program Administrators leverage their market expertise and industry credibility to guide their agency partners and clients through an insurance landscape fraught with rate increases, capacity restrictions, and...
What You Need to Know About Insuring Sports Memorabilia
The world of sports memorabilia is a treasure trove of history, unforgettable moments, and (in some cases) risky investments that paid off. From legendary game-worn jerseys to iconic trading cards, to championship souvenirs, and more, collectibles ignite a certain type of passion that transcends time. On top of the nostalgia and sentimental value...
How Weather Trends are Affecting Agribusiness
Although each season always has its surprises, shifting weather patterns in recent years have become far less predictable and much more extreme. As a result, the agricultural industry is now navigating an unprecedented swath of challenges. Throughout the United States, sweltering heat waves, raging fires, and winter storms have destroyed crops,...
Doing Business in Extreme Heat: Protecting Employees is the Top Priority
The summer of 2023 is already in the record books, and it’s only at the halfway point. An unprecedented heat wave has held the Northern Hemisphere in its grip for weeks, causing a spike in heat-related injuries and fatalities in many parts of the U.S., disrupting operations for businesses that rely on employees to work outdoors, and calling into...
The Financial Impact of Hailstorms
Nature has a way of reminding us of its immense power, often showcasing its strength through hailstorms and powerful winds. These events can leave us in awe at the raw power of nature, but the aftermath can be devastating, leaving behind a landscape marked by damage and uncertainty. In the midst of the chaos of a severe hailstorm,...
Emerging Challenges for Nonprofit and Social Services Organizations
In today’s ever-changing world, nonprofit and social services organizations play an invaluable role in addressing social, humanitarian, environmental, and other issues with the goal of improving the well-being of individuals and communities. Like any organization, nonprofits face challenges that may impede their ability to continue serving their...
Protect Businesses with Equipment Breakdown Insurance
In today’s fast-paced and technology-driven landscape, businesses rely heavily on a wide range of equipment and machinery to power their operations, streamline processes, drive productivity, and, of course, increase customer satisfaction. Yet, no matter how advanced or reliable a company’s equipment may be, equipment breakdowns can and do occur,...
MiniCo Insurance Agency Named Best of Business in Self-Storage Commercial Insurance for 12th Year
For the 12th consecutive year, MiniCo has claimed the top spot in self-storage commercial insurance. MiniCo Insurance Agency (MiniCo) 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 twelfth consecutive year. MiniCo executive Mike Schofield commented,...
Insuring High-Value Collectibles
There’s investing in stocks, and there’s investing in collectibles. In the latter case, collectors represent a unique group of investors, and it may be precisely this reason why the world of collectibles is as unpredictable as it is adventurous. Some categories of collectibles represent million-dollar investments. Water damage, theft, and even...
King of Collectibles: What Insurance Agents Should Know
“We sell the most interesting things in the world from all categories — sports, entertainment, comics, rock and roll, movies — and we also deal with an incredible cross-section of celebrities, athletes, serious collectors as well as individuals who may find that one thing that’s going to change their life. Literally, within the first 60 seconds...
4 Specialized Insurance Coverages for Self-Storage Businesses
Within the commercial real estate market, the self-storage industry stands out from the crowd. With its seeming immunity to economic fluctuations, the self-storage sector rode out the Great Recession, a global pandemic, and supply-chain disruptions and is currently seeing an upswing in new construction and expansion. Industry newcomers need to be...
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