Insights
Self-Storage Insurance Underwriting Red Flags: Security & Crime
Most self-storage submissions carry some exposure to theft, vandalism, or unauthorized entry. Those exposures do not tell the full underwriting story, however. Commercial self-storage underwriting also considers whether the operator’s security controls and operating practices are appropriate for the risk. Here are four assumptions worth reconsidering before the next submission goes out. Myth 1: A High-Crime Location Sinks the Submission Underwriters may review local...
The Adult Day Care Business Boom
The way we care for our aging population is changing. As life expectancy increases and more seniors express a desire to age in place, families are looking for alternatives to traditional nursing homes and round-the-clock, in-home care. Adult day care centers are emerging as an essential solution, offering structured, daytime support for seniors...
Drug and Alcohol Treatment Center Risk Management Tips
Drug and alcohol treatment centers provide essential services to individuals on their journey to recovery. Approximately 48.5 million Americans struggled with a substance use disorder in the past year, emphasizing the need for effective addiction recovery programs. These facilities — many of which operate as Allied Health providers — offer...
What Is Legal Malpractice Insurance? Help Your Attorney Clients See the Value
For many solo practitioners and small law firms, legal malpractice insurance, or Lawyers Professional Liability (LPL), is a line item they’d rather skip — until they really need it. Some assume they’d never make a costly mistake, while others focus on price instead of coverage quality. But as an insurance agent, you know that professional...
The Silent Threat: How Social Engineering Attacks Are Targeting Law Firms
Cybercriminals don’t always rely on brute-force hacking to breach networks. They often exploit something far more vulnerable — human trust. This is the essence of social engineering, a cyberattack strategy that manipulates individuals into divulging confidential information. And for law firms, where vast amounts of sensitive client data reside,...
Predecessor Firm Coverage: What Agents Need to Know
A solo attorney merges with a small legal practice specializing in real estate. The merger goes smoothly, the firms combine their client lists, and everything seems to be on track for growth. But two years later, a claim lands on their desk. A former client of the predecessor firm alleges negligence in handling a property title, and now, the...
Update to California’s Fair Debt Collection Statute: What Self-Storage Businesses Need to Know
California self-storage businesses need to be aware of changes to the state’s fair debt collection statute to ensure they are in compliance with the expanded scope of the law. The California Self Storage Association (CSSA) warns that several lawsuits alleging noncompliance have already been filed since the amendment’s effective date of January 1,...
MiniCo at 50: The Pioneering History of a Specialty Insurance Powerhouse
Once upon a time in Phoenix, an entrepreneur spotted an opportunity and launched a company that became a leader in specialty insurance program administration. Space for Innovation In the early 1970s, the concept of self-storage was relatively new for consumers and the business world. Fewer than 1,000 facilities dotted the U.S. For Hardy Good, an...
Navigating P&C Insurance Trends: A Q&A with Jencap’s Mike Schofield
Mike Schofield The property and casualty (P&C) insurance market was one of the most talked-about topics of 2024. With 2025 in full swing, what’s the outlook for 2025? To help make sense of the issues, particularly for the self-storage industry, we sat down with Mike Schofield, Chief Revenue Officer at Jencap Program Administrators, to discuss...
MiniCo Introduces New Lawyers Professional Liability Program
MiniCo’s new Lawyers Professional Liability program offers enhanced coverage specifically designed for law firms of 25 or less, with both admitted and non-admitted options available. MiniCo Insurance Agency (MiniCo), a Jencap company, has introduced a new Lawyers Professional Liability program. The exclusive program is specifically designed for...
The Gift of Protection: Specialty Collectibles Insurance
The holiday season is a time for gratitude, celebration, and giving. For insurance agents, it’s also the perfect time to connect with clients — not just to thank them for their loyalty but to provide something even more valuable: peace of mind. Though not all of your customers are likely to be avid collectors, chances are you have some...
Travel Risk Assessments: Proactive Protection for Employees on the Move
From medical emergencies and accidental injuries to stolen documents and missing luggage, business travelers sometimes find unexpected items on their itineraries. With both business travel and potential risks on the rise, travel risk assessments are an important part of protecting employees on the road. Combined with business travel accident...
On the Road Again: Top Business Travel Trends and Risks
While leisure travel has seen a swift rebound over the past few years, corporate travel has taken a more cautious approach. Health concerns, cost controls, and a shift to virtual meetings initially slowed the return to pre-pandemic levels of business travel. But work-related travel is expected to reach or even exceed 2019 spending levels by the...
Covering the Bases: Protecting Club Sports with Participant Accident Insurance
Remember the thrill of stepping onto the field as a kid? Whether it was the crunch of cleats on grass or the squeak of sneakers on a gym floor, youth sports taught you about teamwork, competition, and resilience. But with every game came risks — bumps, bruises, and, sometimes, more serious injuries. Today, club sports are bigger than ever, but...
Protecting Participants: The Importance of Comprehensive Accident Insurance
In the U.S., injury-related visits to emergency rooms have been steadily rising. According to the Centers for Disease Control and Prevention (CDC), approximately 35 million people visit the emergency room annually for injury-related incidents, and about 16.2 million of those visits result in hospital admissions. From recreational sports leagues...
Why Collectors Need More Than Homeowner’s Insurance: A Must-Read for Agents
Collectors are the experts when it comes to curating their valuable treasures. But when it comes to figuring out how to insure collectibles and protect the investment those items represent, agents are the best resource. From rare autographs to sports memorabilia to one-of-a-kind works of art, many private collections are insured under standard...
Top 5 Lawsuit Triggers for Allied Health Providers
In our increasingly litigious culture, the healthcare industry has become a popular target for lawsuits. What once may have been considered an innocent oversight or small grievance can now be leveraged into a lucrative payday. More than one in three physicians face a medical liability lawsuit at some point in their careers, but doctors aren’t...
Time for a Coverage Checkup? Five Common Gaps in Allied Health Insurance
Allied health professionals play a critical role in the overall landscape of healthcare and make up more than half of the current industry workforce. From medi spas and urgent care clinics to home health aides, adult day care, and mental health clinics, and more, allied health practitioners provide treatment and services to a large segment of the...
The Importance of Insurance for Allied Health Professionals
Allied health professionals comprise more than 60% of the healthcare workforce, accounting for over 7 million workers in just the U.S alone. From physical therapists to urgent care staff, these professionals meet the rising demand for healthcare services, especially as the population ages. With the allied health sector projected to grow by 13%...
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...
How Chip Gaines Spotlights the Need for Artisan Contractors Insurance
When you think of home renovation and the art of transforming a space, Chip Gaines, along with his wife Joanna, likely comes to mind. As one of the stars of HGTV’s Fixer Upper, Chip has helped introduce a broad audience to the skills, expertise, and professionalism of construction contractors. While he functions as a general contractor on the...
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