Jencap’s program division is a full services managing general agency
and managing general underwriter that offers industry-leading insurance solutions
and financial services to the United States and Canada.
Jencap’s program administrators have 26 programs with a mix of admitted and non-admitted product offerings. Our flagship program brands include MiniCo, Quaker Special Risk, and Trivedi Capacity Associates.
Our team partners with an expansive network of independent agents, select wholesalers, various third-party administrators, and affinity groups nationwide.
Jencap’s program administrators’ leadership team has proven success acquiring and developing insurance underwriting facilities for the property & casualty and accident & health markets.
Jencap’s program administrators 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.
Our exclusive program portfolio is available to our partners in most states. Some of our programs are also available in Canada.
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.
Adult Residential Facilities
MiniCo offers an exclusive program for Adult Foster Homes/Adult Residential Facilities. Targeting owner operated licesned homes in AZ, CA, OR and WA. Ideal insureds must have been in business for three years, homes with no more than two non-ambulatory clients. This program is underwritten in-house through a top rated Non-Admitted carrier.
MiniCo Agri is dedicated to providing customized insurance solutions for agents and insureds in partnership with an A.M. Best “A+” rated carrier. We partner with independent agents with specific focus on agribusiness insurance. MiniCo Agri 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.
Architect & Engineers Professional Liability
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 helps to protect these businesses from claims that may arise to include allegations of third-party financial losses due to errors and omissions or negligence in the performance of professional services.
ArtisanPAK Trade Contractors
Since 1991, MiniCo’s Artisan 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 of whom 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.
Quaker Special Risk 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 Quaker Special Risk 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.
Founded in 1974, MiniCo Insurance Agency is a full-service managing general agency offering the self-storage industry’s leading specialty commercial insurance program. MiniCo’s upgraded industry-specific business owner policy including umbrella and general liability-only policies are offered in partnership with A.M. Best “A” rated carriers. Enhancements include innovative wind and hail deductible options, monoline commercial property coverage for coastal and high-hazard properties, and our monoline workers compensation, cyber, and equipment breakdown programs. This program is available nationwide.
Trivedi Capacity Associates/ HARP, Inc. provides expertise, efficiency and competitively priced products exclusively designed for Community Associations. Our programs provide Directors and Officers Liability, Fidelity, Workers’ Compensation, Cyber Liability, and Excess/Umbrella Coverages.
Quaker Special Risk offers an exclusive Construction Manager Program with a combined professional and general liability form to limit potential coverage gaps. This program focuses on agency construction managers/owners rep consultants. This program offers low minimum premiums and certified construction managers will receive preferred rating in a proprietary composite rating structure. Project-specific and excess policies are available. The program is available nationwide except in CO and LA. The program is underwritten by ProSight Specialty; carrier is rated “A- XV” by A.M. Best.
Coverages include: Disciplinary proceeding expense reimbursement, subpoena expense coverage, blanket waiver of subrogation, per project aggregate available, two-way tail.
MiniCo Insurance Agency 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 nationwide.
Environmental and Pollution
Jencap’s team of specialized brokers provides coverage for environmental contractors, consultants, engineers and solar installation contractors. Our E-PAC program is offered on A++ XV paper and is available in 48 states countrywide (no coverage available in New York or Louisiana). This program is available for retail distribution only 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 Insurance
MiniCo Insurance Agency has partnered with Liberty Mutual Insurance to offer monoline equipment breakdown coverage for commercial properties to protect critical business equipment. 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.
Fine Art, Collectibles and Jewelry
MiniCo Insurance Agency 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. 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 an A.M. Best “A” rated carrier. This program is available nationwide.
Hired and Non-Owned Auto for Food Couriers
Jencap Insurance Services has the delivery program of choice offering an exclusive monoline hired non-owned program for food courier services (i.e. pizza delivery). With our in-depth knowledge, fast service and ability to provide competitive primary coverage nationwide (excluding WV) on top A-rated paper we deliver account winning solutions.
Lawn and Landscaping Operations
The Program provides National Association of Landscape Professionals (NALP) members with a comprehensive commercial insurance package, including workers’ compensation. It also encourages the professional landscaper community to take advantage of all NALP’s member benefits; including accreditation certifications, education, online training and resources, as well as supplier discounts.
Lawyers Professional Liability
MiniCo Insurance Agency 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 all states except CA, OR, and LA. The E&S program is available nationwide.
Luxury Home Builders & Remodelers
Quaker Special Risk 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. Quaker 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. Quaker’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, WY. GL limits of 1/2/2 and 2/4/4 are available. Excess limits are available is some jurisdictions. The program is underwritten by ProSight Specialty; carrier is rated “A- XV” by A.M. Best.
Medical Stop-Loss Insurance
Founded in 2010, 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 that utilize RBP. Our database is unsurpassed in its depth and breadth. We understand that your clients demand custom, creative solutions for their benefit needs and that no two clients are exactly alike. With this in mind, we built flexibility into our underwriting guidelines in order to accommodate as many prospects as possible. Our clients have direct access to our highly experienced underwriting staff. This program is available nationwide.
Miscellaneous Professional Liability
MiniCo Insurance Agency 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 A.M. Best A-rated carrier and is available nationwide through wholesalers.
Nonprofit and Social Service Organizations
With over 40 Years of underwriting 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 A.M. Best A-rated carrier. This program is available in NY only.
Self-Storage Tenant Insurance
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. In the event of a loss, customers who have self-storage tenant insurance coverage are less likely to make a claim for damages against the self-storage business.
Self-Storage Workers' Compensation
MiniCo Insurance Agency 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 Trade Contractors (with Action Over in NY)
This Quaker Special Risk national program offers broad general liability coverage that has not been readily available in the non-admitted marketplace for the small-to-mid-sized trade contractor with gross revenues less than $35 Million. This program is for specialty trade contractors that perform only one trade but subcontract in excess of 70% of that work. Coverage enhancements include: blanket AI, primary non-contributory wording, employee benefits, no action over limitation or exclusion, per project aggregate, 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; carrier is rated “A- XV” by A.M. Best.
Sports and Activity Insurance
Participant accident insurance for sports, camps, childcare, events, and other activities is an essential protection for many businesses. MiniCo Insurance Agency offers sports and activity accident insurance that is customizable to meet the needs of a wide range of organizations. Our agent portal makes it easy to quote, purchase, and print a policy. This program is offered in partnership with an A.M. Best A-rated carrier and is available nationwide.
Umbrella for Restaurants
Trivedi Capacity Associates/HARP,Inc. provides expertise, efficiency and competitively-priced products exclusively designed for Restaurants. Our programs also provide cyber liability, EPLI, and excess/umbrella coverages.
Wind/Hail Deductible Buyback Program
MiniCo Insurance Agency 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 A.M. Best A-rated non-admitted carrier. This program is available nationwide.
Quaker Special Risks (1960)
Quaker Special Risk is a premier commercial and personal lines wholesaler, managing general agency, and program manager. They have been a leader and pioneer in the excess and surplus lines market for over 60 years and are dedicated to offering unique insurance solutions to their agency partners.
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 13 exclusive programs.
Trivedi Capacity Associates (2004)
Trivedi Capacity Associates is a specialty programs provider that focuses on commercial risks, particularly in the hotel and community association space. The management team provides specialized expertise, quick automation and ease of doing business to independent agents and brokers across the country.
Aran Insurance Underwriters (2010)
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.