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

Archive for January 2012

Insurance Program for Permanent Makeup, Tattoo Shops, and Body Piercing Businesses 4.33/5 (86.67%) 3 votes

Body modification through piercings and tattoos can become living works of art when done properly.  Even those wanting simple designs or piercings can almost always receive quality work.  However, there always seem to be horror stories about tattoos and piercings gone wrong, which can expose the business to liability issues.

Business insurance for permanent makeup, tattoo shops, and body piercing businesses is extremely important, since doing body modification can have extreme consequences for simple errors.  This business insurance protects not only the business itself, but also the employees from the liability of their extremely rare mistakes.

This unique program covers not only Tattoo and Body Piercing Facilities but also Permanent Makeup Artist.  Our Competitive program starts as little as $200 per artist in most jurisdictions, subject to a $500 MP.

 

Our Program provides:

•     General Liability – up to $1/$2 mil Limits

•     Professional Liability included at no additional charge.

•     Property Coverage including Building, BPP, and Business Income.

 

Liability Coverages Include:

•     Infectious Disease- up to $50/$50

•     Hired and Non-Owned Auto Liability

•     Assault and Battery Coverage – up to $100/$100

•     Employee Benefits Liability

•     Coverage is provided on an Occurrence basis.

 

Eligible Risks:

•     New business risk provided the insured has 3 years minimum industry experience in their field.

•     Permanent Make-up artist working from a Beauty Parlor.

•     Risks that use an Autoclave system or disposable needles.

•     Risks using waivers on all clients.

•     Tattooing of minors (16-18) with parental consent.

•     Most forms of piercing are allowed including dermal anchors.

 

Coverage is placed through our exclusive program with an A rated carrier.

Insurance for Homeowners Associations 4.75/5 (95.00%) 4 votes

Homeowners associations regulate communities to keep them looking respectable as well as foster the relations of the residents.  While they may be considered a thorn in the side of some residents, they exist for the overall betterment of the community.  Even an organization like a homeowners association needs insurance to protect their property.

Insurance for homeowners associations is imperative to protect homeowners associations from the unexpected.  Many homeowners associations host events and own property, and the protection afforded by insurance for homeowners associations can save them if an unfortunate, destructive event occurs.

Insurance for homeowners associations includes more comprehensive property coverage. Now the product offers Blanket Agreed Value coverage on property exposures such as fences, pools, signs and other non-building property for no additional premium!

This feature, combined with other competitive advantages for property, general liability and professional liability, makes this package product a great choice.

Some additional coverage features that enhance this package product include:

- Low, competitive minimum premiums

- Property manager/management company automatically included as additional insured

- Lifetime occurrence reporting provision protects former directors and officers

- Defense costs are outside the limit of liability

- Breach of contract coverage provided

- Employment practices liability coverage included with directors and officers coverage

- Hired and non-owned auto liability can be included

- Crime and umbrella coverage available

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Commercial Insurance with Same Day Quoting 4.40/5 (88.00%) 5 votes

Commercial insurance is crucial for any business.  The protection it affords can save a business from financial ruin due to any number of potential hazards.  Commercial insurance policies include both property and liability coverage.

Commercial insurance can be written to protect a variety of properties and situations.  Having protection through commercial insurance is important since it takes the financial obligation off of the business in the event of property damage, destruction, or a liability issue.  Commerical insurance offers a wide range of coverage for a wide range of premiums.

MULTI-LINE PRODUCT

•             1-4 Family Dwelling

•             Apartments

•             Artisans (12 classes)

•             Beauty/Nail Salon

•             Clothing Store

•             Consessionaires

•             Convenience Stores/Delicatessens/Grocery

•             Child Care – Commercial

•             Child Care – Residential

•             Electronic Store

•             Fitness Centers

•             Janitorial Services

•             Land Leased to Others

•             Laundromats

•             Lessor’s Risk Only

•             Liquor Stores

•             Main Street Mercantile

•             Mobile Home Parks

•             Office Product

•             Residential Condominium Unit Owners

•             Restaurants

•             Specialty Training Schools

•             Truckers

•             Vacant Building

•             Vacant Land

NON-PROFIT PRODUCTS

•             Community Associations

•             Condo Mini

•             Storefront Churches

SPECIAL EVENT PRODUCTS

•             Wedding Plus

•             The Long Shot – Hole in One

UMBRELLA/EXCESS PRODUCTS

Commercial and Residential Building Renovation Insurance Coverage 4.75/5 (95.00%) 4 votes

Renovation can be cheaper than tearing down and building a new structure from scratch.  However properties undergoing renovation can be dangerous.  There are many tools and potentially hazardous chemicals on the property that can cause significant damage if someone is in the wrong place at the wrong time.

Renovation insurance protects the property while it is still being worked on.  Renovation insurance is a form of property insurance, protecting from losses caused by many hazards, such as fire, smoke, vandalism, lightning, and explosion.  While the company completing the renovations is trusted to work as safely as possible, potential hazards still exist, making renovation insurance extremely important as the property is being improved.

WHY IS IT IMPORTANT TO HAVE BUILDING RENOVATION COVERAGE? HERE ARE POTENTIAL LOSS SCENARIOS:

•     Damage by fire

•     Smoke damage

•     Damage caused by vandalism or malicious mischief

•     Lightning striking your building

•     Loss due to explosion

 

THE FOLLOWING ARE IMPORTANT TO HAVE IN A POLICY:

COVERAGE AND PRODUCT FEATURES:

•     Coverage for partially occupied building available

•     Contact within 24 hours of claim to report by adjuster

•     Coverage for additions that do not involve load bearing members of building

•     Replacement cost coverage for new construction portion of the project

•     Coverage can be written for the full term of the project

•     Product flexibility offering either Basic or Special Form

•     Replacement Cost Valuation is standard on the new construction work

•     Project can be written for the full duration of the construction project

•     Rate structure contemplates new construction work being added gradually to the existing building

LIMITS:

•     Up to $3,000,000 per location in PC 1-8

•     Up to $1,000,000 per location in protections class 9-10

*Limits of up to $500,000 per location excluding wind and hail in coastal areas

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Directors and Officers Insurance for Museums and Historical Institutions 3.67/5 (73.33%) 3 votes

Museums and other historical places make great tourist attractions and are trusted as knowledgeable organizations committed to presenting the facts.  Their directors and officers are generally held in the highest regard as experts in their particular fields, giving the institution credibility.

Even experts make mistakes, however when those mistakes lead to potential legal action, it is good to have protection in place.  Directors and officers insurance is protection in the event that directors or officers make harmful mistakes related to their position at their museum or historical institution.  Directors and officers insurance can also include employment practices liability insurance, which also protects in the event that the museum or institution is sued for discrimination.

MUSEUMS & CULTURAL/HISTORICAL INSTITUTIONS

Directors & Officers Insurance

 

Eligible Classes:

Aquariums • Art Museums• Art Galleries

Children’s Museums • General Museums • Health Museums

Historical Museums • Natural History Museums

Science Museums • Specialized Museums

Arboterums • Botanical Gardens

Planetariums • Ochestras • Nature Centers

 

Products / Limits:

D&O • $1MM

EPLI • $1MM

 

Umbrella Insurance Coverage is also available with limits from $1MM – $25MM.

 

• Not getting the attention you deserve?

• We specialize in writing smaller classes!

 

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Cheap Insurance for Small Businesses 4.00/5 (80.00%) 1 vote

Small businesses make up a very large part of the economy, however even the most successful small businesses will choose not to expand for many different reasons.  Small businesses have a unique charm and character that disappears as they become larger and larger.

One of the identifying features of a small business is just that: its size.  So why should a small business pay for business liability insurance and business property insurance like the big guys do?  Small business insurance caters to businesses that do not need or cannot afford insurance that the big businesses hold.  Included in most small business insurance policies are both liability and property coverage tailored for small businesses and not watered down versions of big business insurance policies.

This product is specifically designed to accommodate the coverage and pricing needs of a wide variety of mercantile risks.

 

PRODUCT FEATURES:

Coverage available as:

  • Businessowners Form (If eligible)
  • Package
  • Monoline Liability
  • Monoline Property

Broad Eligibility Requirements

  • Over 75 Classes selected for preferred treatment
  • Up to $3,000,000 in annual sales
  • New ventures eligible

 

Low Minimum Premiums

 

LIABILITY FEATURES:

  • Limits available up to: $1,000,000 occurrence/$2,000,000 aggregate
  • Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Stress
  • No Liability Deductible
  • Pollution Exclusion has Hostile Fire Exception
  • Hired and Non-Owned Auto Liability Coverage available
  • Commercial Excess General Liability, Umbrella available up to $5,000,000

 

PROPERTY FEATURES:

  • Broad Property Coverage using ISO’s April ’02 coverage form
  • Equipment Breakdown – Includes free boiler inspections if required in your jurisdiction
  • Value Plus Endorsement available providing 15 coverage extensions and enhancements
  • Special Cause of Loss and Replacement Cost available

 

Up to $3,000,000 in Property limits, $500,000 in all Coastal areas

 

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Professional Liability Insurance for Various Professional Occupations 3.50/5 (70.00%) 2 votes

Mistakes are an unfortunate part of life, even for the most meticulous, detail-focused people.  Even more unfortunate is that simple mistakes can have enormous consequences.   To protect many professionals from the effects of any errors or omissions that may be overlooked while working with their customers, Professional Liability Insurance is a must.

Professionals are generally recognized as experts in their field and garner a level of respect and trust that their work will be of good quality.  Even the most detailed professional can still make a mistake but professional liability insurance protects the professional from any damages and negative effects due to a mistake on their work.

Boardwalk Insurance Group has been writing professional liability insurance for many years, so do not take chances with your valuable business.  We have markets for most MPL classes, here is a partial list of risks considered:

Allied Healthcare

Architects & Engineers

Billing Services

Claims Adjusters

Consultants – all classes

Convention/Events Planners

Employee Screening

Expert Witness

Home Inspectors

Insurance Agents

Information Technology

Media/Publishing

Medical Billing

Mortgage Field Services

Payroll Services

Property Managers

Real Estate Agents

Surveyors

Tax Preparer/Bookkeeper

Technology

Title Agents

Travel Agents

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Seasonal Lot and Seasonal Business Insurance 5.00/5 (100.00%) 2 votes

Seasonal businesses come and go.  Many spring up shortly before a holiday guaranteed to generate big business and shut down right after.  There is no need for them to pay for an entire year of insurance for sometimes only a handful of days of work per year.

Seasonal lot insurance and seasonal business insurance are policies for special, short term businesses.  Some of the most prevalent are the many fireworks stands that pop up the week before New Year’s Day and Independence Day.  Seasonal lot insurance and seasonal business insurance have much of the same coverage and protections as other business insurance policies, however they have features that are designed to accommodate the pricing and coverage needs of these seasonal operations.

Seasonal lot owners are now facing strict requirements by local municipalities, property managers and landlords to show proof of liability insurance for their operations.  A number of general liability loss exposures result from seasonal lot operations that lot owners must be made aware of.   Boardwalk Insurance Group offers our agents the capability of getting a monoline general liability coverage quote quickly on our website at www.boardwalkinsurance.com or over the phone. This is the perfect solution for seasonal lot owners who are looking for coverage to protect their businesses, while also satisfying requirements to show proof of liability insurance.

 

Our product offers several advantages that help make our quotes an easy sale. These advantages include:

•     Primary General Liability limits up to $2,000,000/$3,000,000

•     Blanket Additional Insured included automatically which means there is no charge to add an Additional insured when it is required by a written contract

•     A competitive package quote by providing property coverage in an Inland Marine from which includes theft for no additional premium

•     Competitive and easy to use pricing (flat charge per stand)

•     No liability deductible

•     Hired and non-owned auto liability coverage available

With insured’s facing frequent loss exposures from damage to and theft of their products, a package policy offering general liability and inland marine coverage provides the solution to the numerous insurance needs of a seasonal lot owner.

The need for liability insurance is imperative for any business, even seasonal ones.  That is what makes these seasonal lot insurance and seasonal business insurance policies very attractive to all parties relating to a seasonal business.

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