MiniCo offers an exclusive program for adult foster homes and residential facilities, targeting owner operated licensed homes in AZ, CA, NV, OR and WA. Ideal insureds must be in business for at least three years, and must be homes with no more than two non-ambulatory clients. This program is underwritten in-house through a top rated non-admitted carrier.

MiniCo is dedicated to providing customized insurance solutions for agents and insureds in partnership with AM Best A-rated carriers. We partner with independent agents with specific focus on agribusiness insurance, including hard-to-place accounts. MiniCo does not require commitments for premium volume or account size. In addition, we have the ability to offer a one-day quote turnaround for farmowner accounts of all sizes. Coverages include property, liability, equine, commercial auto, personal watercraft and RV, umbrella, and more. This program is available in select states.

Allied Health professionals deliver critical health-related services and comprise more than half of the healthcare workforce. MiniCo’s exclusive Allied Health program provides general liability, professional liability, sexual abuse liability, and additional coverages through AM Best A-rated carriers. Program eligibility includes for-profit and nonprofit businesses.

MiniCo Architects and Engineers Professional Liability Insurance provides errors and omissions (E&O) coverage for a vast spectrum of architects, engineers, construction managers, and other professionals serving the construction, manufacturing, and environmental industries. Architects and engineers professional liability insurance protects these businesses from claims that may arise from allegations of third-party financial losses due to errors and omissions or negligence in the performance of professional services.

Since 1991, MiniCo’s experienced program team has devoted itself to insuring commercial, residential, and service & repair contractors. We have dozens of affiliated retail brokers and have insured thousands of contractors, many who have been with us since the early 1990s. We believe such loyalty can only be earned over time and is dependent on our relationship maturing and growing. To that end, we are committed to providing the best possible service and response time in the industry. This program is available in AZ, CA and NV only.

Coverages include: Admitted and non-admitted GL coverage options, cyber liability coverage offered on every GL quote (opt-out provision included; higher limits available), commercial auto including broadened coverage endorsement, property coverage including broadened coverage endorsement, enhanced equipment breakdown coverage available (includes sub limit and deductible options), inland marine coverage and excess liability coverage.

Jencap offers an exclusive coastal condominium program (Condo ProTekt). This non-admitted program focuses on smaller coastal risks in NY and NJ only, targeting coastal frame, smaller condo associations, under $10M in TIV, and owner-occupied. This program is underwritten in-house through a top-rated non-admitted carrier with rapid response and service from the Jencap team based in NJ.

Coverages include: Property (wind damage included), property coverage enhancement endorsement, general liability, business income, equipment breakdown, and hired and non-owned auto.

MiniCo pioneered the first package policy to insure self-storage operations in 1974. Since then, MiniCo has become the leading provider of insurance solutions for the self-storage industry nationwide. Our program team has unmatched class-specific experience and flexibility in customizing limits, deductibles, and policy terms. We offer an industry-specific BOP, umbrella, and general liability only policies as well as innovative wind and hail deductible options, and monoline commercial property coverage for coastal and high-hazard properties. Monoline solutions include workers’ compensation, cyber, and equipment breakdown. Coverage is offered in partnership with A-rated carriers. This program is available nationwide.

Jencap’s Construction Managers Program was designed to accommodate the unique risks and challenges faced by construction managers and integrates a general liability and professional liability package for them. Certified construction managers receive preferred rating in our proprietary composite rating structure. The program is for “agency” CMs that are professional consultants, owners reps for GCs and developers. The program offers low minimum premiums, project-specific and excess policies, and is available nationwide except in AK, HI, CO and LA. The program is underwritten by an A-rated non-admitted carrier.

Coverages include: Disciplinary proceeding expense reimbursement, subpoena expense coverage, blanket waiver of subrogation, per project aggregate availability, and two-way tail.

MiniCo offers a breach-response product from industry leader Beazley Insurance. Coverage includes security and privacy liability for employees and customers in the event of data theft; data recovery and loss of business income including denial-of-service attacks and system malfunction; privacy regulatory defense and penalties including costs to comply with post-breach regulatory action; crisis-management costs such as customer notification, support, and credit-monitoring; and data extortion including payment of ransom monies to secure the return of data. This program is available in most states.

Jencap’s exclusive EIFS Contractors Program is uniquely designed for EIFS Applicators/Installers performing primarily commercial work. The program targets best in class risks with 35% or more EIFS installation work. The program has no restrictions on substrate, and coverage is available in 47 states. This program is underwritten by an AM Best A-Rated non-admitted carrier.

Coverage Highlights: NY Labor Law coverage is available, blanket additional insureds and blanket waiver of subrogation, per project aggregate, and low minimum premiums. CGL $1M/$2M/$2M; Excess $2M.

Jencap’s team of specialized brokers provides coverage for environmental contractors, consultants, engineers and solar installation contractors. Our E-PAK program is offered on A+ XV paper and is available in 49 states countrywide (no coverage available in NY). This program is available for retail and wholesale distribution, and we are licensed in all 50 states.

Coverages Offered: Commercial general liability (CGL), contractor pollution liability (CPL), professional coverage (PL), follow form excess liability (excess over CGL, PL, CPL, auto and employers liability lines).

MiniCo offers monoline equipment breakdown coverage for commercial properties to protect critical business equipment in partnership with an A-rated carrier. This coverage complements existing commercial property policies and specifically addresses exposures arising from damage caused by power surges, electrical shorts, utility interruption, mechanical breakdowns, motor burnouts, and more. This program is available nationwide.

Eventsured provides event liability, cancellation, and rain insurance for single and multi-day events across the United States. Policies under Eventsured protect from financial loss starting with the planning stage and ending with the event itself. A few of the most common coverage options include liquor liability, property damage, bodily injury, theft, and cancellation or postponement costs.

MiniCo’s exclusive admitted program offers scheduled and/or unscheduled coverage up to $1,000,000 for fine art and a wide variety of valuable collectibles in hundreds of categories. Collections are insured for their full collectible value with no appraisal required at the time of application. MiniCo’s non-admitted program offers expanded coverage for jewelry, watches, fine art, and other collections with limits up to $10 million. Programs are provided in partnership with AM Best A-rated carriers and available nationwide.

MiniCo provides an exclusive, monoline Hired and Non-owned Auto program for food and cannabis delivery services on paper rated A+ (XV). Our brokers deliver account winning solutions with their industry-leading specialization, quick turn around time on quotes and competitive rates nationwide (program not available in WV).

MiniCo’s Landscaping Contractors program insures commercial, residential, and service & repair contractors. We have dozens of affiliated retail brokers and have insured thousands of contractors, many who have been with us since the early 1990s. This program is available in AZ, CA and NV only.

Coverages include: Admitted and non-admitted GL coverage options, cyber liability coverage offered on every GL quote (opt-out provision included; higher limits available), commercial auto including broadened coverage endorsement, property coverage including broadened coverage endorsement, enhanced equipment breakdown coverage available (includes sub limit and deductible options), inland marine coverage and excess liability coverage.