Minico Insights

Cyber Liability Insurance for Small Businesses | MiniCo

MiniCo Insurance — Thu, 06 Aug 2026 04:00:00 GMT

Chances are, you’ve got clients in your book right now who would wave off a conversation about cyber liability because they can’t picture themselves as a potential target. A landscaping crew. A nonprofit with six employees. A self-storage facility with one location. None of them are likely to think “cyber security” is their problem, but all of them are wrong, and that gap is exactly where you can add value in a coverage review.

Cybersecurity Travel Tips for Business Clients | MiniCo

MiniCo Insurance — Thu, 23 Jul 2026 04:00:00 GMT

A record number of Americans are traveling this summer, by car or by plane, and travel habits continue to blur the line between business and personal. American Airlines alone expects to welcome 75 million customers across 750,000 flights during its summer travel period, May 21 through September 8, the busiest summer in the airline’s history, and 71% of Americans plan to drive on their next vacation. Boarding pass or full tank, most travelers carry a phone or laptop, and many use it for vacation photos and work email in the same afternoon. That overlap is where cyber risk appears for small businesses, whether your clients realize it or not.

Insurance Program Administrators: Benefits for Agents | MiniCo

MiniCo Insurance — Thu, 16 Jul 2026 04:00:00 GMT

A program administrator is a managing general agency or underwriter that carriers contract with to underwrite a specific class of business. Program administrators are specialists – and sometimes super-specialists – in each program’s target accounts. They typically are empowered to underwrite, quote, and bind coverage on the carrier’s behalf. Some even manage policyholder claims.

2026 Wildfire Season: Insurance Risks & Prep Tips | MiniCo

MiniCo Insurance — Thu, 09 Jul 2026 04:00:00 GMT

Unfortunately, wildfire season isn’t waiting for summer this year. By the end of May, U.S. wildfires had already burned nearly double the 10-year average acreage. With conditions this active even before peak season arrives, now is the time for agents to raise wildfire liability with clients, because as the season progresses, the conversation will get even harder to have.

Insurance Checklist for the 2026 Hurricane Season | MiniCo

MiniCo Insurance — Thu, 25 Jun 2026 04:00:00 GMT

Storm season preparedness is critical for commercial property owners and their insurance agents.

The National Oceanic and Atmospheric Administration (NOAA) is forecasting a below-normal 2026 Atlantic hurricane season with 8 to 14 named storms. For context, an average season produces 14 named storms, though 2025 came in at 13. On paper, a below-normal forecast sounds like good news, but for your clients, it could be a distraction, because the record tells a different story.

Help Your Clients Plan Ahead with Youth Sports Insurance | MiniCo

MiniCo Insurance — Thu, 18 Jun 2026 04:00:00 GMT

Youth sports leagues, club teams, school programs, camps, and tournament organizers share one thing in common: at some point, someone is going to get hurt. Injuries are part of the game, but does your client have a plan for what comes next? For youth sports programs and other group activities and events, participant accident coverage AND a documented injury response plan are non-negotiables.

Insurance for youth sports organizations

MiniCo Insurance — Thu, 11 Jun 2026 04:00:00 GMT

What Today’s Youth Sports Coaching Trends Mean for Insurance Agents

Youth sports organizations have never been asked to do more. Parents want safer environments and better-trained coaches. Governing bodies are mandating new protocols. Boards are scrutinizing liability exposure they once ignored. For agents who serve this space, that pressure provides an opening. The concerns driving today’s coaching trends, like injury prevention, abuse prevention, background checks, and staff training, are driving the insurance conversation, too. Understanding that connection lets you show up as someone who actually gets what these organizations are dealing with.

2026 Insurance Claims Trends Agents Need to Know Now | MiniCo

MiniCo Insurance — Thu, 21 May 2026 04:00:00 GMT

Crawford & Company’s 2026 predictions point to five shifts to watch – from natural catastrophe recovery to AI underwriting.

2026 Trends in Home Health Care | MiniCo

MiniCo Insurance — Thu, 14 May 2026 04:00:00 GMT

At 8 a.m., a caregiver may already be on their second home visit of the day. By noon, they may have navigated three completely different environments, each with its own routines, risks, and expectations. That variability has always been part of home health care, but what’s changed in 2026 is everything surrounding it. For your allied health clients, it’s time to revisit the risk conversation.

The New Reality for Nonprofit Insurance | MiniCo

MiniCo Insurance — Thu, 07 May 2026 04:00:00 GMT

For nonprofit leadership and social services organizations, the pressure feels a bit different lately. While the demand for services is climbing, the resources to meet them are thinning out. These organizations are being pushed to do more, act faster, and provide ironclad proof that they are making a difference. Reports show that 34% of organizations are seeing wait times exceed 30 days, which is a clear sign that capacity is being stretched to its limit.