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CAT | Business Liability Insurance

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Garage liability insurance is of the most importance for auto-related businesses such as auto body shops. This type of insurance is a necessity for you to have especially when someone else’s vehicle is under your care. This insurance normally applies to any liability that involves garage buildings, garage equipment and content, as well as vehicles. It protects a business from a claim that involves a customer’s vehicle while on business property. If you’re looking for a garage liability insurance quote for your auto-related business, look no further than Boardwalk Insurance Group! For your convenience they have several ways you can contact them.

Garage Liability Insurance Is Always On Demand

No matter what type of auto business you own your first priority should be to have the proper insurance coverage for your business. Garage liability insurance is always on demand because of the many businesses that deal with customer’s vehicles. Accidents and mistakes happen and in most cases if an auto business isn’t covered by the right type of insurance they can endure a financial loss. In order to ensure that your business is protected you need to consult with an insurance broker that can give you a garage liability insurance quote. An agent will ask you questions to find out exactly what type of coverage you need. The insurance broker uses price-shopping and innovative carrier-matching tools to produce significant savings for their customers. When taking this course of action it lets you know how much the cost will be and if it fits within your business budget.

Receive Your Garage Liability Insurance Quote Today!

Garage businesses attend to a wide-range of automobiles and customers. From luxury cars to sports vehicles to modern makes and models. It doesn’t matter what type of vehicle it is when it’s on your property and in your possession you are responsible for it. Any accident or damage that happens to a customer’s vehicle while in your garage can mean costly damages to you and your business. Therefore, making sure you have the correct insurance coverage for your garage business is mandatory. Opting for garage liability insurance will ensure that you and your garage are well-protected from any financial risk. To learn more about garage liability insurance for your auto-related business and to receive your garage liability insurance quote today, consult with a professional insurance broker by visiting the website of Boardwalk Insurance Group. You will also receive excellent customer service

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Whether your business is a body shop, auto repair shop, or other auto-related services, you know that mistakes can be expensive. Even though, it is commonly accepted that individuals do make mistakes, it’s not acceptable for customers to pay for a service mistake. Even when your staff of technicians and mechanics are trained and experienced, mistakes do occur in the auto repair procedure. However, the problem with making errors with an auto repair is it can be costly. This is where garage keeper’s liability insurance comes into play. Having this type of insurance coverage is a must for your auto shop. It will protect you and your business in many ways.

Garage Keepers Liability Insurance

Shopping for insurance for your auto shop needs doesn’t have to be stressful. Matter of fact, when you use the services of a reliable insurance agent it can be very simple. In order to protect your auto shop business it’s in your best interest to make sure you’re properly covered. Therefore, you need to turn to an insurance agent that can assist you in finding garage keepers liability insurance. An insurance agent will discuss with you the available policies and which one will best suit your specific needs for your auto shop business. They also will ensure that you receive an affordable rate. By taking out garage keepers liability insurance you are protecting not only your business but also your employees in case a mistake happens to a customer’s vehicle while in your employees care or at your shop. The policy helps reduce any financial risk to your business when accidents happen.

Insurance Agency You Can Trust

Boardwalk Insurance Group is a reputable insurance agency you can trust when it comes to commercial insurance needs such as garage keeper’s liability insurance. When you require only the best policy to cover and protect your auto shop at a reasonable cost you can rely on insurance agents to find it! An insurance broker makes you their priority. The agents represent a full line of competitive and quality insurance companies to meet your precise needs at excellent prices. With an online, state-of-the-art computer rating system they are able to make an instant comparison on rates. This allows you to receive the best value for your business needs. The quick and efficient service you receive will exceed your expectations!

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When you own a business, it’s important to understand the many accidents and incidents that can happen in which your business may be held responsible. People can slip and fall or become ill. Fires can happen, as can theft or car accidents. This is the reason that commercial insurance for liability claims is so important.

First off, let’s look at what business insurance consists of. This term speaks of all types of coverage available which protects a business owner from a loss. Business insurance can cover your business vehicles, legal claims, and even provide health insurance for the workers you employ.

Business insurance is important for any business owner, even those who might believe they don’t have enough assets to be sued or you’re somehow shielded from personal liability. However, the reality is that any business can be sued and it can cause some serious problems. It can even leave you personally liable for debts.

There are a few different types of business insurance that should be considered. The first is property and casualty insurance. Property insurance will cover the location of the business and its contents from things like theft, fire, floods, and hurricanes. However, you should read the fine print to see exactly what is covered by your insurer. Casualty insurance covers the operation of business, but is usually grouped with property insurance.

Commercial auto insurance from an agent is the second type of business coverage. This covers damage or loss pertaining to business vehicles. These vehicles are not covered under your personal auto insurance, even if they are used for both business and personal purposes.

Next is liability insurance. This is coverage that comes into play if someone sues you for negligence, which can happen when, as an example, someone slips and falls in your business or on the property it sits on. There is also product liability insurance, which covers damages caused by a product your company designed, made, or supplies.

Other types of insurance for commercial purposes include business interruption insurance, health insurance, disability and life insurance, and workers’ compensation insurance. Many times, you can get a policy that covers a number of these things at once to make it simpler.

If you need commercial business insurance, consider Boardwalk Insurance Group for your policies. They offer many insurance options in half of the states in the United States. You can find out more on their website or contact them at 713-987-3480.

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Boardwalk Insurance: Commercial Liability Insurance in Houston For Everyone 5.00/5 (100.00%) 1 vote

If you recently moved to Houston, Texas, you may be in the hunt for new, local insurance providers. Consider turning to an independent insurance agency in Houston, such as Boardwalk Insurance. One of the leading independent agencies in the state, Boardwalk is a uniquely capable group that provides customized insurance policies to its entire clientele.

Insurance is a device developed to mitigate financial trouble. The first form of financial insurance that has been found was in the famous Code of Hammurabi, and dealt with shipping goods over the sea. The plan called for a payment of a fee to a loan giver, which would absolve the recipient off the loan of any debt if the ship were lost. From the very first, one of the most difficult problems insurers faced was to anticipate a specific kind of loss. If the ship in question caught fire and all the stock was lost, but enough of the structure remained to limp into port, should the fee still apply? These kinds of questions have kept insurers and lawyers busy throughout the centuries. Fortunately for Texans, Boardwalk is the best insurance agency in Houston for answering the ancient riddles of insurance and coverage.

Boardwalk Insurance has created in its organization an extensive roster of insurance policies providers and partners. The group includes valuation specialists, web developers and over a dozen insurance companies offering various specializations. In this group you can find the most adaptable and expert agents, ready to bring together a policy that is customized to your specific needs. By maintaining their status as independent insurers, Boardwalk is able to bring together such diverse elements that it can easily assemble customized policies for both personal and commercial clients. Its personal lines encompass both renters and homeowners, with property coverage that run the gamut of possessions. It commercial lines are similarly widespread, and offer protection for business owners, commercial liability, and commercial property. Workers compensation can be expertly addressed by Boardwalk, as well.

One interesting service that Boardwalk has specialized in, and which reflects the group’s versatility and range of knowledge, are the garage liability insurance policies it offers. These policies are designed to protect the owners of high echelon luxury vehicle, including Lamborghinis and Rolls Royces. The owners of these vehicles often keep them stored in climate control facilities, and when they do so, the vehicles are subject to numerous potential problems, including decay and possible theft. The owners off the facilities themselves are also involved in security operations that carry high risks. These are extremely valuable vehicles that cost a lot of money. To cover these situations, premiums must be balanced against unusual potential losses. It is an odd sort of situation for a policy, but the expertise of Boardwalk has created a large clientele for its work in this field.

Boardwalk Insurance has created something new and exciting as an insurance agency in Houston, Texas. Well-established and successful, the group is ready to serve your needs with the best in customized insurance policies you could ask for.

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What Type of Insurance Does Your Business Need? 5.00/5 (100.00%) 1 vote

Whether you own or manage a small local business, an online store, or a large company, insurance can protect your business from major as well as minor risks. Getting your business insured is a straightforward process. An experienced and transparent independent insurance agency in Houston can help you determine the right amount of coverage you need, as well as customize your insurance package, so that you get the best value for every dollar you spend on insurance. Some of the key insurance policies your business may need include:

Commercial Liability Insurance / Business Liability Insurance

This standard insurance policy protects your business from mistakes and accidents that can lead to physical injuries, psychological trauma, or financial loss. Regardless of the type of business you have, whether you manufacture products or sell food, customers and other people who visit your business location, come in contact with your employees, or use your products or services can start a lawsuit against you. Reasons vary from a faulty product or on-premise business prop that causes a physical injury, to a disgruntled employee who insults a customer, who then sues your company.

Commercial liability or business liability insurance can be effective against many different types of liability claims, including payments to claimants resulting from bodily injury, medical expenses, property damage, as well as legal costs you may incur during the defense. Coverage offered by a good insurance agency in Texas may include product liability, professional liability, and commercial property insurance.

Business Auto Insurance

Essentially, a business auto insurance policy protects the vehicles you use for business (including vans and trucks) from the dangers that may arise on the road. Coverage extends to company vehicles that are driven by your employees to work or to meetings with customers, as well as to deliver goods or drive other employees home. It’s similar to a personal car insurance policy, only that it applies to businesses.

Garage Liability Insurance

If your business sells, repairs, services, or tows cars, you need a garage liability insurance. This type of policy covers you against customer injuries that arise unintentionally at your shop, such as slips or falls, as well as discrimination and employee dishonesty claims. This kind of coverage is usually not included in a general business or commercial liability insurance policy.

Garage Keepers Insurance

Although it is often confused with a garage liability insurance, garage keepers insurance is a different form of insurance. It covers any damage to the vehicles in your care (your customers’ vehicles) that may accidentally arise while they are stored, repaired, or kept in your facility. An experienced insurance agent in Houston can further explain to you the differences between a garage liability and garage keepers insurance.

Regardless of the type of insurance your business needs, it’s important to work with an independent insurance agency in Houston that is transparent and can fully understand your business’ needs. At Boardwalk Insurance Group, we offer all of the above business insurance policies as part of our commercial insurance solutions.

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Why Choose An Independent Insurance Agency In 2016 4.67/5 (93.33%) 3 votes

Whether you’re shopping for commercial liability insurance, exotic car insurance, garage liability insurance, or any other type of insurance policy in Houston, you have to choose between “captive” agencies and independent agencies. While captive agencies represent just one insurance provider, independent agencies represent several. Choosing an independent insurance agency in Houston has a number of benefits which can have a major impact on your decision.

More coverage options and price points

Because an independent insurance agency in Houston partners with several different insurance companies, they are able to compare different options in order to find for you the insurance policy that provides the best coverage at the best price. This can be especially important when it comes to more specialized policies such as exotic car insurance or garage keepers insurance, which not all insurance companies offer.

One application spares you the trouble of multiple applications

When working with different captive agencies or agents, you have to send a separate quote application to each of them. With an independent agency, on the other hand, one application is enough for you to get quotes from multiple insurance companies. This speeds up the search for the right insurance policy for your needs.

A personal adviser guides your decision

Any well-established insurance agency in Texas will offer you your own personal adviser, who can use his or her experience and insight into the insurance world to help you determine how much coverage you actually need and how much you can afford to pay on insurance every year. What’s more, a personal adviser can answer any questions you may have regarding your insurance policy, explaining for example the differences between an exotic car insurance and an exotic car warranty or between a garage liability insurance and a garage keepers insurance.

Complete coverage for all your insurance needs

Because an independent insurance agency in Houston brings together different kinds of insurance options from multiple providers, it can offer you a complete solution to all your insurance needs. If alongside your auto or home insurance you also need business auto insurance or business liability insurance, you may be able to get them all in one place, and sometimes at a discount, too. Shopping for insurance can be a time-consuming, even stressful process, but an independent insurance agency can make it less of a hassle by managing your insurance policies for you.

Last but not least, an independent insurance agency in Houston can offer you more flexibility than a captive agency, not only during the insurance buying process, but also after you sign the papers. If you want to change your insurance later on, an independent insurance agency provides you with far more options. To discover all the benefits of using an independent insurance agency, call now Boardwalk Insurance toll free at 1.866.595.4077 or by using this contact form.

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Business Liability Insurance For Small Business – Why Its So Important 4.67/5 (93.33%) 3 votes

A general business liability insurance is one of those key insurance solutions offered by insurance agencies in Houston, including Boardwalk Insurance, that small businesses cannot do without. At first glance, it may seem that a business liability insurance or commercial liability insurance, as it is also called, is for large businesses only, and that small businesses could spend their small budgets on other things. That cannot be farther from the truth. Like any type of business, small business is risky, and without adequate coverage, the small business owner can find himself or herself in some really bad situations involving property damage, bodily injury, or out-of-court settlements.

General Business Liability – Essential Business Coverage

That’s where general business liability insurance comes in. This comprehensive insurance solution protects a small business owner as well as his or her employees from bodily injury or property damage claims made by customers. Regardless of the type of the business in question, such claims are inevitable over time, and often result in litigation and settlements which can cost a business thousands of dollars in attorney expenses, medical expenses, and out-of-court settlements. Any of these can destabilize a small business and put the owner in the unpleasant situation of having to pay money out of pocket or even to have recourse to loans to pay off expenses.

Furthermore, general liability insurance protects a business from what is dubbed in insurance jargon ‘advertising injury’, and which can include accidental copyright infringement through a marketing campaign or event. More than financial security, a general business liability insurance brings a small business owner peace of mind — should an accident involving his or her property or products occur, the policy bears the brunt of the consequences.

What Coverage a Small Business Needs

It is important to understand, however, that business liability insurance isn’t the only type of insurance a small business needs to be well covered from accidents and other unpleasant occurrences involving customers, employees, and business property. For protection against auto accidents, a small business needs business auto insurance. Car body shops, repair shops, or cleaners, as well as any other business that stores customer cars’ on its premises needs garage liability insurance and garage keepers insurance. Employee injuries, on the other hand, are covered by a workers’ compensation.

As you can see, business liability insurance is essential for any business. But other types of insurance are also necessary. At Boardwalk Insurance, we are an insurance agency in Houston that offers a complete range of business insurance policies to fully protect small business owners from unfortunate occurrences, including garage liability insurance, garage keepers insurance, commercial liability insurance, business auto insurance, professional liability insurance, and more. To find out more about our comprehensive small business coverage, don’t hesitate to contact us.

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5 Things You Need to Know About Commercial Liability Insurance 5.00/5 (100.00%) 2 votes

A commercial liability insurance is an essential type of insurance for most Houston-based businesses. However, it is not always well understood, and can cause some confusion. If you consider procuring a commercial liability insurance for your business, then there are a couple of things you should know about it.

  • A commercial liability insurance helps to keep your business running by protecting it from financial loss that may result when you’re sued because of injuries or property damage caused by your services, operations, or employees. For example, if someone trips and falls in your workplace and then sues you, the insurer will cover the costs associated with dealing with the court case and whatever medical expenses there may be.
  • A general commercial liability insurance may not include coverage for personal and advertising injury or medical payments. These may have to be purchased separately, under different policies.
  • A general commercial liability insurance includes limits on bodily injury, property damage, medical payments, personal injury, and general aggregate limits. Once these are exhausted, the insurer may be freed from obligations, although you may still have to continue paying for the insurance until the end of the term. Therefore, it is crucial to ensure that the limits are reasonable and provide enough coverage.
  • The coverage provided by a commercial liability insurance can vary considerably, not only depending on the provider, but also on the type of business which seeks it and the risks to which its staff is exposed. For example, when applied to a retail business such as a large department store, this insurance may be focused on trip, slip, and fall coverage, while with a contractor offering roof repair services it’s more focused on the damages to property and other people that may result during roof replacements, repairs, and other related projects.
  • The number of years you have been in business is one of the key factors that affect the coverage and the premium. Naturally, the higher the level of experience your business has, the less risks the insurer is taking, and therefore the lower the premium.

Finally, it is essential to understand that a commercial liability insurance can only protect your business and bring you peace of mind if it is offered by a reputable and reliable insurance agency in Houston, such as Boardwalkinsurance.com, which has both the experience and the resources necessary to provide the insurance and resolve claims quickly and effectively. Boardwalkinsurance.com works closely with the most important insurance companies in the area, including AIG, Safeco, and National Lloyds Insurance to provide commercial liability insurance as well as a complete range of other insurance packages that include garage liability insurance, exotic car insurance, business auto insurance, and personal insurance. To get a quote now, you can use Boardwalkinsurance.com’s convenient and easy to use online quote forms.

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Spring into a new home 5.00/5 (100.00%) 2 votes

Spring time is a time when the sun is high in the sky, people are seeing their lawns after the brutal winter months and when people start to redo their gardens. This is also the time that many people set out to buy beautiful new homes.

Of course, many people set out looking for a home and get Insurance agents in Texas, and realtors to help them make decisions as to which home would be the best idea and how to get their home insured. One other factor that is very important is the beauty of the home. The property has to be appealing to the eyes of the potential buyer for them to want to live there. Houston offers many locations for homes that are beautiful.

Another investment that is made in the summer, is the purchasing of exotic cars and exotic car insurance. This is another investment that is based on price but also a lot on beauty. Houston offers its residents wonderful summer weather that allows them to tend and care for both of these large investments and allows them to keep both of these in amazing condition thanks to the weather.

The sunshine of the spring months is usually the time that people do their gardening and lawn maintenance in an attempt to keep their home looking as appealing and if not more appealing than it was when they first purchased it . It is a time where the weather just encourages homeowners to go outside and spend time outside in their yards. Much of this time is used to heighten the beauty of homes.

The same is true for exotic car owners. Spring time is when you will see owners of exotic cars sitting outside in the sunshine washing their cars and detailing them to make them sparkle in the sun.

Overall, springtime is the season that promotes beauty of homes and cars. It promotes their beauty when people go to buy them in the beautiful weather, and it promotes the beauty because the owners of these investments have time and feel a need to make these investments and belongings look clean and new and refreshed like the seasons and the attitude it promotes.

One of the facts that should not be forgotten to insure the continued beauty of these objects is the fact that the owners should purchase exotic car warranties and contact insurance agencies in Houston to make sure that their belongings are protected and kept in perfect condition.

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Spring time insurance 4.67/5 (93.33%) 3 votes

There are many people who see spring time as a time of renewal and go through with spring cleaning to get their homes in the best condition possible for the reset of the year. They pay for new carpets, new paint, they even renovate and redo their patios and other parts of their house. They add large investments to their homes in an attempt to make it feel refreshed and at the same time they are realizing the value of the home with each improvement that they make.

One thing that is not thought of at this time, that should be is that all of these investments that are being put into these homes should be insured along with the home. These people put so much effort into making their homes perfect and beautiful and don’t account for accidents and ill comings to their homes. They need to find an insurance agency in houston, or an insurance agent in Texas. This agent can help them get insured for their added investments so in the case of an emergency or a disaster the home is still covered and all of the effort that was put into the home is still covered under the insurance of the home. It would be a complete shame if these homes that have been cleaned and remodeled and made to be more beautiful than ever before end up being uninsured and all of the effort that was put into making the dream homes goes to waste in the event of an accident.

Insurance is something that has to be thought of before the fact. It is pointless to think about having insured something after it is gone. The effort is useless because the action just isn’t a possibility anymore. Instead people should get their valuables insured quickly and as early as possible. Spring time is a time when people are thinking of getting more beauty added to their home but they don’t have the idea of preserving that beauty or insuring it on their minds. It is something that is often forgotten and then regretted after an accident does occur.

Rather than being sorry after the fact and losing all of their effort and time that was put into the home, people should get their homes insured right when new investments are made on it. If they are putting money in they should be expecting to get an insurance on their input. This is not something that can be taken lightly and should be allowed to continue to be forgotten.

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