EXCLUSIVE PROGRAMS
Jencap’s program division is a full-service managing general agency
and managing general underwriter that offers industry-leading insurance solutions
and financial services to the United States and Canada.
Program Exclusivity
Jencap administers 30 programs with a mix of admitted and non-admitted product offerings. Our flagship program brands include Aran Insurance Underwriters, International Assurance of Tennessee, and MiniCo.
Expansive Network
Our team partners with an expansive network of independent agents, select wholesalers, various third-party administrators, and affinity groups nationwide.
Specialized Expertise
Jencap's program underwriters draw on their extensive specialization and niche expertise to provide customized insurance solutions for the property & casualty and accident & health markets.
Process Automation
Jencap's experienced program teams understand the need for speed and efficiency to win a deal. We have invested heavily in automation to provide our partners with online quoting tools.
National Footprint
Our exclusive program portfolio is available to our partners in most states. Some of our programs are also available in Canada.
Superior Claims
Our team's approach to delivering quality claims services goes far beyond the simple management of the claim. We look to adjudicate claims quickly, providing fair and just outcomes for our insureds.
Jencap Exclusive Program List
Adult Residential Facilities
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.
Agribusiness
MiniCo is dedicated to providing customized insurance solutions for agents and insureds in partnership with an AM Best A-plus-rated carrier. We partner with independent agents with specific focus on agribusiness insurance. 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. This program is available in select states.
Allied Health
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.
Architect & Engineers Professional (Wholesale Only)
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.
Artisan Contractors
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.
Cannabis Site Pollution Liability
Cannabis business operations face significant insurance coverage gaps where pollution is concerned. That’s why Jencap established a first-of-its-kind, exclusive program that provides monoline Site Pollution Liability to cannabis risks.
The program is specifically designed for cannabis cultivators, processors, manufacturers, wholesalers, and distributors. It’s a non-admitted, A+XII rated program that is available in all U.S. states where hemp or cannabis is legal for recreational and medical use. Our program’s exclusive cannabis specific form, broad appetite that includes high hazard operations, and full binding authority that yields quick quotes is the perfect insurance solution for your clients’ next cannabis risk.
Coastal Condominiums
Jencap offers an exclusive coastal condominium program (Condo ProTekt). This 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.
Commercial Self-Storage
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.
Construction Managers
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 offers low minimum premiums, project-specific and excess policies, and is available nationwide except in CO and LA. The program is underwritten by ProSight Specialty, an AM Best A-XV-rated carrier.
Coverages include: Disciplinary proceeding expense reimbursement, subpoena expense coverage, blanket waiver of subrogation, per project aggregate availability, and two-way tail.
Cyber
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.
EIFS Contractors
Jencap’s exclusive EIFS Contractors Program is uniquely designed for EIFS Applicators/Installers performing commercial work. The program is targeting best in class risks with 35% or more EIFS installation work. The program has no restrictions on substrate, and coverage availability in 47 states.
Program Contact
Tom Murphy
Phone: (732) 292-7325
Mobile: (732) 267-6138
Environmental and Pollution
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 48 states countrywide (no coverage available in NY or LA). 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).
Equipment Breakdown
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.
Event Liability and Cancellation
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.
Fine Art and Collectibles
MiniCo offers scheduled and/or unscheduled all-risk coverage for fine art and valuable collectibles in hundreds of categories. Limits up to $1M (admitted) and $10M (non-admitted). Collections are insured for their full collectible value. The policyholder establishes the value of the collection, and no appraisal is required at the time of application. We offer a simple online portal to quote and bind policies, and the program is provided in partnership with AM Best A-rated carriers. This program is available nationwide.
Hired and Non-Owned Auto for Food/Cannabis Couriers
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).
Landscaping Contractors
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.
Lawyers Professional Liability
MiniCo offers lawyers professional liability coverage for attorneys providing professional legal services. Our admitted and excess and surplus (E&S) lines programs give MiniCo the flexibility to cover a wide range of firms from one to 30 attorneys with limits up to $5M on eligible accounts. Coverage options are customized to meet the insurance needs of each specific policyholder. The admitted program is available in select states.
Luxury Home Builders & Remodelers
Jencap offers an exclusive non-admitted program tailored for luxury-home-builder paper GCs, constructing homes that have a sale price of $500,000 and up. Coverage is provided for new home construction, including incidental remodeling and renovations. The focus of the program is single-family home construction and does not extend to construction of condominiums or townhomes. Jencap has designed the program for paper GCs that build up to 15 homes per year.
Remodelers of Luxury Homes is tailored to paper GCs that handle very high-end residential remodeling work for homeowners, individual owners of condos, co-ops and townhomes. The program is for experienced builders with excellent loss prevention and contractual risk transfer procedures in place. Project-specific policies are available. Jencap’s program has a unique rating basis and broad policy wording.
The program is available in most states and has both an East Coast focus for accounts in NY, NJ, CT and FL and separate forms and guidelines for risks in CA, AZ, NV, TX, UT, ID, and WY. GL limits of 1/2/2 and 2/4/4 are available. Excess limits are available in some jurisdictions. The program is underwritten by ProSight Specialty, an AM Best A-XV-rated carrier.
Medical Stop-Loss Insurance
Aran Insurance Underwriters (AIU) is a full-service managing general underwriter offering medical stop-loss insurance to self-funded employer group plans. As one of the early adopters of reference-based pricing within the stop-loss industry, we have developed a unique expertise with providing stop-loss for plans. This program is available nationwide.
International Assurance of Tennessee (IAT), a full-service managing general underwriter, has provided stop-loss insurance to clients for nearly 40 years. Our extensive experience with employer and inmate stop-loss vendors and programs gives us a unique understanding of the needs of our business partners and mutual clients. This program is available in all states except WA.
Miscellaneous Professional Liability
MiniCo offers miscellaneous professional liability insurance to provide errors and omissions (E&O) coverage for a vast spectrum of professional service providers. This program is offered in partnership with an AM Best A-rated carrier and is available nationwide through wholesalers.
Nonprofit and Social Service Organizations
With nearly 50 years of underwriting for nonprofits and social service organizations, MiniCo has designed the most comprehensive and exclusive program in the marketplace. From food banks to family service organizations, we bring you an insurance program that addresses the complex exposures faced by nonprofits and social service organizations of all types and sizes. Our program can consider over 300 social service and nonprofit classes.
Coverages include: General liability including sexual abuse, professional liability including medical malpractice, commercial auto and hired and non-owned auto, property with enhancements that include BPP, BI and equipment breakdown.
NY Contractors Liability (Wholesale Only)
MiniCo Contractors Liability Insurance offers competitively-priced general liability and excess liability coverage in NY for commercial and residential contractors, general contractors, and trade and artisan contractors. MiniCo’s experienced, knowledgeable staff provides responsive customer service in a timely manner. Our program is offered in partnership with an AM Best A-XV-rated carrier. This program is available in NY only.
Participant Accident Insurance
Participant accident insurance for sports, camps, childcare, events, and other activities is an essential protection for many businesses. MiniCo’s exclusive program is customizable to meet the needs of a wide range of organizations. This program is offered in partnership with an AM Best A-rated carrier and is available most states.
Property Owners’ Association Liability (Wholesale Only)
MiniCo’s Property Owners’ Association Liability program provides Directors & Officers (D&O) coverage for a vast spectrum of associations. We work exclusively with A-rated carriers and provide customized solutions for your client. This program is available in all states.
Self-Storage Tenant Insurance and Protection Plan
MiniCo’s tenant insurance programs offer self-storage customers affordable, short-term storage unit insurance coverage for items stored in a rented self-storage space or mobile container. Over-the-counter and pay-with-rent plans available.
MiniCo’s tenant protection plan offers self-storage businesses an alternative to traditional tenant insurance offered via a direct contract (warranty) between the self-storage facility and their tenant. The tenant protection plan is eligible for distribution by agents.
Self-Storage Workers' Compensation
MiniCo offers a workers compensation insurance program that provides coverage to self-storage facilities for lost wages and medical treatment resulting from an employee’s work-related injury or illness as well as services needed to help an employee recover and return to work. MiniCo’s workers’ compensation insurance program is provided by our carrier partner Liberty Mutual Insurance, one of the nation’s leading carriers of workers compensation.
Specialty General Contractors
Jencap offers an industry-leading program for commercial paper GCs that includes New York Labor Law coverage. This insurance is tailored to address the unique risks and liabilities that these contractors face while performing new construction and commercial remodeling. Targeted work includes small- to mid-sized retail stores, restaurants, offices, schools, warehouses, and more. The focus of the program is on experienced contractors that subcontract 85% or more of their work. The program is underwritten by an AM Best A-(IX) (Excellent) Carrier.
Program Contact
Tom Murphy
Phone: (732) 292-7325
Mobile: (732) 267-6138
Specialty Trade Contractors (with Action Over in NY)
Coverage enhancements include blanket AI, primary non-contributory wording, employee benefits, no action over limitation or exclusion, per project aggregate, and blanket waiver of subrogation, targeting but not limited to carpentry, drywall, electrical, flooring, framing, painting, plastering, and plumbing. Will also consider contractors who provide janitorial services, masonry, communication equipment installation, metal works, plastering/stucco work, interior tile, stone & marble work, and siding installation. The focus of the program is on experienced trade contractors that subcontract 70% or more of their work with a track record of superior loss control and contractual risk transfer protocols in place. New ventures will be considered with 5+ years prior construction experience. The program is underwritten by ProSight Specialty, an AM Best A-XV-rated carrier.
Wind/Hail Deductible Buyback Program
MiniCo offers a monoline wind/hail deductible buyback program for commercial property. Property owners may lower their deductibles to as little as 1% or a specific dollar amount. This decreases the potential out-of-pocket financial exposure and assists in compliance with the mortgage deductible requirements. MiniCo’s program is offered through an AM Best A-rated non-admitted carrier. This program is available nationwide.
PROGRAM BRANDS
Jencap is one of the largest wholesale intermediaries in the United States with expertise in wholesale brokerage, binding authority, and program management. Encompassing expertise from every corner of the industry, Jencap is the ultimate, award-winning insurance family. There is strength in size and power in partnership.
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MiniCo is a program administrator with specialty property & casualty products for a variety of industries and exposures. Top products include comprehensive property & casualty solutions for self-storage operations, nonprofits and social services agencies, agribusiness, and much more. Please visit www.MiniCo.com. for more information on all 19 exclusive programs
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Hired and Non-Owned Auto for Food/Cannabis Couriers
Landscaping Contractors
Lawyers Professional Liability Insurance
Miscellaneous Professional Liability
Nonprofits/Social Services
Participant Accident Insurance
Property Owners’ Association Liability
Self-Storage Tenant Insurance and Protection Plan
Self-Storage Workers' Compensation
Wind/Hail Deductible Buyback Insurance
Aran Insurance Underwriters offers the industry’s best medical stop-loss solution for reference-based pricing programs. Their proprietary, nationwide database takes the pricing guesswork out of the equation and yields fast turnaround times for their partners. Learn more about their comprehensive, flexible and competitive program at www.AranInsUw.com.
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International Assurance of Tennessee (IAT) offers nearly 40 years of experience as a full-service managing general underwriter for employer and inmate medical stop-loss insurance. Their extensive experience allows IAT to provide unique solutions at a competitive price. IAT is dedicated to exceeding their agency partners’ expectations with unparalleled service.
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Foresite Sports is an industry-leading program manager specializing in prize contingency coverage and event insurance. They address the targeted marketing needs of thousands of events nationwide through a complete lineup of products and services.
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For more information on Jencap’s program administrators, please contact us at jpa@jencapgroup.com
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