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Key Agent Newsletter
December 2019
Did You Know...? MiniCo's insurance solutions are now included in the IVANS Markets online directory.

Cyber Insurance: What is Ransomware?

Cyber Insurance: What is Ransomware?All businesses are vulnerable to the risk of cyberattacks and data breaches, but many owners of small and medium-sized businesses underestimate the threat. With that in mind, here is some information that may help your clients appreciate the growing danger. A recent industry study indicates that the average cost of a ransomware attack on a business is $5 million. While that's an interesting statistic, it doesn't help the average non-IT professional understand the scope of the risk.

What is Ransomware?
Ransomware is a form of malicious software (or malware). A hacker's goal is to deliver the ransomware to a computer user, usually via a link embedded in an email, where the software will install itself on the business's network server. Once installed, the ransomware will lock and encrypt the company's data and then demand payment of a ransom to restore the data and remove the malicious software. However, some cybercriminals are happy to take the money without holding up their end of the deal, leaving the victimized business without access to vital data and files.

Risk Management for Ransomware
Here are some risk management tips to help minimize the risk of a ransomware attack.

• Use security software and keep it up to date.
• Update operating systems and other software.
• Never open email attachments from unfamiliar or untrusted senders.
• Never click on a link in emails from unfamiliar or untrusted senders.
• Back up important data regularly to an external hard drive or cloud service.

Cyber insurance products from MiniCo Insurance Agency are designed for small and medium-sized businesses and include coverage for data extortion from a ransomware attack. Other coverages include security and privacy liability, crisis-management costs, data recovery and loss of business income, and regulatory defense and remediation costs. No supporting accounts are required, and premiums are competitive. For more information including a premium indication, contact Rob Novak at 800-528-1056, ext. 3535, or

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Workers Comp for Self-Storage Businesses

Workers Comp for Self-Storage BusinessesWhen you think of inherently dangerous workplaces, self-storage operations may not be the first industry that comes to mind. But, as in any work environment, self-storage professionals face a number of hazards that "come with the territory," including those that can lead to some of the most commonly reported types of workplace injuries. The most recent data from the Bureau of Labor Statistics indicates that there were over 2.8 million reported workplace injuries and illnesses in 2017 of which 882,700 required days away from work. The most common types of injuries reported were sprains, strains, and tears (35%); slips, trips, and falls (26%); and injuries to the back (17%).

MiniCo Insurance Agency offers a workers compensation insurance program specifically for self-storage risks. The program is underwritten by Liberty Mutual Insurance, which has been rated "A" (Excellent) by A.M. Best. Liberty Mutual Insurance is one of the nation's leading carriers of workers compensation. MiniCo's program is offered on a monoline basis, and agents may obtain a premium quotation by submitting an ACORD workers compensation insurance application. No appointment or supporting MiniCo accounts are required to get a quote.

For more information, contact Angela Cozzo at or 800-528-1056, ext. 3008 .

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MiniCo Team Members Earn CPL Designation

MiniCo’s Chris Nelson and Marie Lindsey were awarded the Certified Program Leader (CPL) designation at the Target Markets Annual Summit held in Scottsdale, Ariz., in October 2019. This designation requires the completion of coursework, a minimum of five years of insurance industry experience, and two years of experience in a program leadership role along with other qualifications.

MiniCo Team Members Earn CPL Designation


Reporting a Claim With Detailed Information

Reporting a Claim With Detailed InformationThe end of the year can be a busy time for insurance claims. MiniCo's newly streamlined claim forms make it easier and faster to report a claim. Our responsive claim professionals also are available by phone, fax, and email.

When reporting a claim to MiniCo, please provide all the information you have available about the loss, damage, or incident. Providing detailed information gives our adjusters a head start on processing and resolving the claim, which can translate into a quicker and more productive resolution for your client.

Report a Claim to MiniCo

Property Loss Notice GL Loss Notice

Phone: 800-528-1056
After Hours: 855-861-0876
Fax: 602-678-3512
Fraud Hotline: 855-875-0775


MiniCo’s Corporate Holiday Schedule

MiniCo‚Äôs Corporate Holiday ScheduleThe holidays are fast approaching, and MiniCo wants to ensure that you and your clients receive the highest quality customer service throughout this hectic time of year. Our regular hours are listed below, along with a schedule of the days MiniCo’s corporate offices will be closed for the holidays.

MiniCo’s Corporate Hours (Telephone: 800-528-1056)
Eastern time zone – 9 a.m. to 7 p.m.
* Central time zone – 8 a.m. to 6 p.m.
* Mountain time zone – 7 a.m. to 5 p.m.
* Pacific time zone – 6 a.m. to 4 p.m.

MiniCo’s Corporate Holiday Closures
MiniCo’s corporate offices will be closed on the following days:
* December 24th
* December 25th
* January 1st

If you need to report a claim during our holiday closure, please call 855-861-0876 to reach an adjuster. We at MiniCo thank you for your business in 2019 and wish you a peaceful and prosperous New Year!

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10851 N. Black Canyon Highway, Suite 200
Phoenix, AZ 85029
California License # 0H04984

© 2019 MiniCo Insurance Agency, LLC.
All rights reserved.

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