Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

Archive for March 2011

Commercial General Liability Insurance 4.50/5 (90.00%) 2 votes

Commercial General Liability insurance, commonly referred to as CGL or GL, covers commercial insureds (business owners) from losses sustained by third parties.  Based on the type of business you are in, your coverage can cover you for everything from a slip and fall claim to a negligence claim.  It’s important, especially in this day and age, for all businesses to carry some sort of liability insurance coverage.  It’s probably a requirement for most businesses anyways, either by your lien holder, city, state, county or bank.

The premium for CGL is calculated on a few different factors, but primarily based on the type of business you are in, your expected annual revenues for the upcoming 12 months and sometimes, the amount of your annual payroll.

The most commonly purchased coverage is “$1 million/$2 million.”  This means that you have coverage for up to $1M on any one claim and you have an aggregate coverage of $2M for all claims in any one policy period, usually 1 year.  So you can have 2 $1M claims, 4 $500k claims, etc. and still be covered under the policy.

Insurance companies offer much lower coverages, such as $100,000, $300,000, $500,000, etc., but it’s usually not worth it to purchase them.  For only a few bucks more per year, you can have a $1,000,000 policy.  Of course, coverage can also go much higher than this as well.

If you are in search of a commercial general liability insurance policy, your best bet is to work with an independent insurance agency.  Independent insurance agents represent several different companies and can shop your coverage request internally to get you the best deal.  No matter how simple or complicated your business is, independent agents are more flexible and can find coverage for all.

Boardwalk Insurance Group is an independent agency licensed to work with clients (individuals and businesses) in 26 states.  In terms of commercial general liability insurance, they service the following areas:

  • Air Conditioning Installation, Service & Repair
  • Appliance & Accessories Installation – Commercial & Household
  • Asphalt Works
  • Carpentry – Interior work
  • Carpentry – Construction of Residential Property
  • Carpet or Upholstery Cleaning
  • Chimney Cleaning
  • Concrete Construction
  • Conduit Construction for Cables/Wires
  • Debris Removal
  • Driveway, Parking Area, or Sidewalk Paving or Repaving
  • Drywall or Wallboard Installation
  • Electrical Work – Within Buildings
  • Fence Erection Contractors
  • Floor Covering Installation
  • Furniture/Fixtures Installation
  • Glass Dealers and Glaziers (NO window installation)
  • Heating or Combined HVAC Systems or Equip – Install, Service
  • Insulation Work – Plastic or Mechanical Work
  • Interior Decorators
  • Landscape Gardening
  • Masonry Contractors
  • Metal Erection – Decorative/Artistic, and Nonstructural
  • Painting – Interior & Exterior
  • Plastering or Stucco Work
  • Plumbing – Commercial, Industrial, and Residential
  • Septic Work
  • Sheet Metal Work
  • Siding Installation
  • Sign Erection, Installation, or Repair
  • Solar Energy Contractors
  • Swimming Pool Servicing, Installation, or Repair
  • Television or Radio Receiving Set Installation or Repair
  • Tile/Stone Work – Interior Construction
  • Upholstering – Shop Only
  • Window Cleaning
  • Various Commercial and Residential Contractors
  • And much, much more.

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Professional Liability Insurance for Various Professionals 3.67/5 (73.33%) 3 votes

Boardwalk Insurance Group offers professional liability insurance for the following types of professionals:

Real Estate – Agents, Brokers, Mortgage Brokers, Title Agents, Escrow Agents, Closing Agents, Property Managers
Insurance - Agents E&O, MGA’s, MGUs, Insurance Companies, Aggregators, Associations, Adjusters,Appraisers
Legal - Law Firms, Paralegals, Legal Aid, Expert Witnesses, Trial Preparation
Inspectors - Home Inspectors, Property Inspectors, Loss Control, Safety Consulting
Architects & Engineers –  Architects, Designers, Land Surveyors, Mechanical, Landscape, HVAC
Financial - Distressed Banks / Financial Institutions, Tax Preparers. Bookkeepers
Agencies - Repossesors, Collections,Employment, Executive Recruiters, Temporary Staffing
Allied Health – Nurses, Aides, Mental Health, Therapists, Social Workers, Dietitians, Sleep Centers, Physical Therapists
Technology - Computer Consultants, Data Prep, Information Retrieval, Programming, Govt Defense
Religious - Pastoral, Clergy, Synagogues, Mosques
Consultants - Managerial, Safety, Marketing
If you are a professional in any of the categories listed above, contact us today to get your free quote.  The process requires you to complete a simple application and we can provide you with custom quotes in less than 24 hours in most cases.

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Insurance for Golf Courses 4.67/5 (93.33%) 3 votes

Do you own, operate or manage a golf course?  If so, you need to make sure you have proper insurance coverage in place.

Your insurance provider needs to cover small losses like guest golf equipment stolen to larger claims such as head injuries from errant golf balls.  You will be surprised to know that not all insurance companies who insure golf courses provide all the coverages you need.

If your golf course is associated with a resort, hotel or large chain, you are even more susceptible to claims and lawsuits.  In this economy, you don’t need the added headache of having to deal with lawsuits and payments out-of-pocket just because your insurer denies you coverage on a particular loss.

If you want the right insurance coverage for your golf course, contact the professionals at Boardwalk Insurance Group.  This independent agency specializes in insurance for golf courses as well as other hospitality and professional products.  They are licensed in 26 states and provide top-notch service along with technology like no other agency.  Want online access to manage your policies?  Yes, they even provide this free of charge to their customers.

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Errors & Omissions Insurance (E&O) aka Professional Liability Insurance for Lawyers, Attorneys and Law Firms 4.50/5 (90.00%) 2 votes

All lawyers, attorneys and law firms, no matter how big or small, are required to maintain professional liability insurance coverage.  The cost of this coverage varies on factors such as:

Number of attorneys on staff

  • Types of cases taken
  • Annual revenues
  • Security measures taken
  • Technologies used
  • Methods of advertising and obtaining new clients
  • and much more.

 

Boardwalk Insurance Group is an independent insurance agency specializing in E&O/Professional Liability insurance coverage for lawyers, attorneys, law firms, real estate agents, insurance agents, mortgage brokers, engineers, software developers and more.  Through our network, we are able to get lawyers fantastic coverages with excellent rates.  Our Lawyer Professional Program includes coverage for the following:

 

  • Prior Acts Coverage
  • Predecessor Firm Coverage
  • Consent to Settle
  • Disciplinary Proceedings Reimbursement
  • Coverage for Independant Contractors & Of Counsel Included

We use only “A” rated admitted and non-admitted carriers and have produced significant savings for our clients.

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