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A liability claim can threaten even the most successful small business. If you run a business, the sight of active customer traffic can be a pleasant one, but if a customer falls down and sustains a serious injury, it could cost your business a significant amount of money. Therefore, it is essential that all business owners have commercial liability insurance.

What Does Commercial Liability Insurance Cover?

There are different types of liability insurance. Commercial general liability insurance covers bodily injury and damage to property that occurs while on the premises. The damage or injury can be caused by business operations or items on the premises, including products. Although general commercial liability insurance can cover many of the accidents and events that can lead to an expensive lawsuit, business owners may want to get coverage for specific items that are not covered in the general plan.

Pay Attention to Details

It is important to be aware of the details in a commercial liability insurance plan. For instance, a regular plan may cover injury or damage caused by the company’s products on the premises, but this may not cover products that have been recalled. In many cases, coverage only applies to events that occur during regular business hours and not on weekends or times when the building is closed. The coverage may also not extend to liability issues resulting from products used at home and may be confined to problems caused by products on the company’s premises.

Do You Need Additional Commercial Liability Coverage?

A general commercial liability insurance plan will cover most events that can occur on the business premises during working hours, but many business owners feel they need additional coverage. Large companies with many employees may opt for liability insurance that will cover them if there are claims of unfair dismissal or workplace harassment. Businesses with complex financial operations may need insurance to provide coverage for errors in financial reporting. In addition, defective products are a worry of many business owners, and special coverage is required if the company produces items on a massive scale.

Choosing the Right Insurance

Every business owner needs liability insurance. The question is how much. A general plan will cover your company and its premises during regular working hours, but you may need extra coverage for your merchandise, events that can happen in the warehouse and other variables. Talk to an expert at Boardwalk insurance about business liability insurance plans. Browse our website and feel free to contact our representatives to answer your questions.

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Why you Need Exotic Car Insurance Coverage for Your Unique Vehicle 5.00/5 (100.00%) 1 vote

Specialized automobiles that have been labeled “exotic” often have different specifications and needs that your average personal conveyance. In addition to special care and maintenance, specialized insurance policies have been drafted by many insurance agents in Texas that cater to the needs of these very expensive automobiles.

The aptly named “exotic car insurance” is designed to protect those cars that not only cost more but are capable of higher-performance in acceleration, top speeds and handling. This short post will illustrate the specifics and considerations to keep in mind when shopping for exotic car insurance.

What is ‘Exotic Car Insurance’?

In addition to the usual coverage provided by auto insurance, an exotic car policy will usually include provisions for the specialty parts, replacement values and accidents that are considerably more severe — at least financially so— than the same damages sustained by a regular automobile.

As an owner of one of these cars, you must know that replacements, tuning and repair services cost more and are sometimes harder to find. The precision components under the hood of a Bentley or Lamborghini just can’t be swapped out with spare parts from a junkyard, often they have to be special ordered from the manufacturer.

This is where finding a competitive insurance provider in Houston, who can create a policy that properly addresses the value of these costly cars, can keep your exotic automobile safely covered in the case of accident.

Another important consideration for exotic cars is that they don’t feel the effects of depreciation in the same way that other vehicles do and having a policy that reflects this value is important to preserving the value of an exotic car and will not leave room for error in the underwriters calculations.

Finally, there is a cost difference in premiums that will be relative to the car itself, and the use and age it has seen. An exotic car that has been well taken care of, is a bit older and doesn’t get much use, could benefit from a fairly inexpensive policy. By the same measure, a year model exotic car in the hands of an inexperienced driver may require a large price.

In Closing

In the end it will be about finding an insurance agent in Texas that can cut you the best deal. Insurance agencies in Texas offering specialty insurance policies like business car insurance, garage keepers insurance or other special offers for commercial liability insurance often have great deals for exotic car insurance as well.

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Unexpected Costs of Driving 5.00/5 (100.00%) 2 votes

Driving an automobile can be expensive, and not just because of gas prices. Commercial liability insurance is just one of the likely expenses, and there are various other items on the list. Many think that they can avoid these expenditures through sheer skill, but the truth is that the expenses can present a problem to anyone, regardless of their driving habits.

Accidents Where Somebody Else Is at Fault

There are various scenarios where an accident is somebody else’s fault, yet the innocent party still has to cover some, if not all of their costs. If the other party can successfully argue that they weren’t at fault, the innocent driver could have the best exotic car insurance and still end up paying for the consequences, often quite literally. The guilty party driving away without leaving any contact information or clue to their whereabouts is another quite common scenario, which unfortunately often leaves the law-abiding party without any real options.

Maintenance

When someone depends on their vehicle to make a living, the car will inevitably take a beating. That also leads to other problems, and depending on the business auto insurance is not always an option. They could find themselves without a car for days, which could endanger their livelihood. When someone’s living depends on the fact that they have a car or not, renting one becomes an absolute necessity. Because of these reasons, finding an insurance agency in Houston that’s willing to add a rental cause to their insurance coverage might be an idea worth considering.

Luxury Electronics Repairs

Any half-decent exotic car insurance covers this, but today’s automobiles often come with highly sophisticated, state of the art techs even at the lower price ranges. GPS devices and camera systems are becoming common, and any repair or replacement process can potentially cost a fortune.

State Fees

Finding a quality insurance agent in Texas can keep someone from paying a few of these expanses, but state fees may still apply. These fees usually fall between $200 and $600, more often closer to the latter. The good news is that the fee is often paid with the car purchase.

High Deductibles

Financial professionals usually advise those who are looking for an exotic car warranty to choose high deductibles. That way they can keep the rates down, but on the other hand, any potential accident could end up costing them a lot. A lower deductable is better for those who are willing to shell out significant money each month, provided that they get a highly diverse insurance coverage without any weaknesses.

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Why You Need Exotic Car Insurance

Why You Need Exotic Car Insurance 5.00/5 (100.00%) 1 vote

If you drive an exotic car, you know that it is way more than just an investment or sweet ride.  It is your passion that drives you (so to speak) when it comes to owning an exotic car, not your common sense. Chances are, your exotic car is your most prized and valuable possession. Consequently, making sure you are protected against loss by a good exotic car insurance policy, is imperative.

So first let’s talk about what we mean by “exotic car.” The term itself is downright controversial amongst enthusiasts. I tend to think that regardless of how it is defined, most of us know an exotic car when we see one.

According to Merriam-Webster, “exotic” means out of the ordinary.  When it comes to cars here are some of the main differences between exotic and ordinary:

Cost. Exotic cars are more expensive than standard cars.  Way more. A brand new exotic car costs at least $100,000 and some can run up to $400,000 or higher.  There is no such thing as an affordable, new exotic car.

Unique. Exotic cars are either very limited in number or completely one-of-a-kind.  This could mean that they have unique parts that require specific or custom tools.  Or they could have been custom-made to the owner’s exact specifications.  Or, they could have been produced as part of a limited edition to commemorate a special event. Regardless of how or why, there is something about every exotic car that makes it unique or rare.

Speed. Exotic car owners tend to value power and performance over fuel economy. The top speed of an exotic vehicle can thus be quite high when compared to ordinary cars.  A Ferrari’s top speed can be as high as 270 miles per hour. A Bugatti can top 280 miles per hour.

Looks.  Simply put, exotic cars have looks that are out of this world, both inside and out.  Most are equipped with state-of-the-art, chic, stylish interiors and sleek, stunning exteriors.

Parts and repairs. Exotic cars require exotic parts. Exotic car parts almost always need to be ordered from a specialty parts provider and installed by a specialty car repair shop with highly-experienced specialty mechanics.

Servicing. Exotic cars need specialty maintenance and servicing.  These are not cars you take to Jiffy Lube for an oil change.

Due to all of the above, exotic cars pose unique insurance risks.  Accordingly, exotic car owners require unique coverage and protections above and beyond that provided by a regular auto insurance policy.

Consider this.  Do you want to run around finding three estimates for repairing your Aston Martin before your insurance company will authorize the work?  Or, do you want to take your Lamborghini to an insurance company-approved repair shop, and have your adjuster in the middle of it haggling over the price of specialty parts?  No.

Fortunately, there are excellent exotic car insurance providers who understand the special circumstances and expanded needs associated with owning these types of vehicles.  A good broker can help you find one that can set you up with exactly the type of policy and coverage you need.

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How to Lower Your Small Business Insurance Costs By Choosing an Independent Insurance Agency In Texas 5.00/5 (100.00%) 1 vote

Whether you’re shopping for commercial liability insurance, garage keepers insurance, or some other type of insurance for your small business, sifting through all your options to find the policy that offers you the most coverage at the best price can be stressful. That’s where an independent insurance agency in Houston can make things easier for you. Independent insurance providers can not only relieve you from the stress and the pitfalls of the hunt for insurance, but also lower your insurance costs.

Independent Insurance Agency

Choose An Independent Insurance Agency In Texas That Understands Your Industry

Independent insurance agents often specialize in finding insurance solutions for specific industries. They can draw on their experience in that industry to understand the needs of your business and how much coverage you actually need. If you have little to no experience with insurance policies, navigating your way through the labyrinth of clauses and requirements can be an onerous task.

Get Quotes From Multiple Carriers

Whether you’re shopping for a basic business auto insurance or a comprehensive garage liability insurance, the best way to find an affordable policy that provides excellent coverage is to get quotes from as many carriers as possible. An independent insurance agency in Texas can do just that.

Established independent agencies work with many different specialized carriers. At Boardwalk Insurance, we partner with over 24 carriers to find the best policy for you. Also, we use the latest insurance comparison software to find the optimal balance between cost and value.

Make Sure You Don’t Buy More Coverage Than You Actually Need

When shopping for business insurance on your own, it can be easy to err on the side of caution, especially if you’re dealing directly with insurance companies, which naturally want you to get as much coverage as you can pay for. Unlike big companies, many small businesses tend to be exposed to fewer risks, and this can mean cheaper insurance policies. But assessing these risks requires experience, both in the industry and in the insurance business, and an independent insurance agent can again help here.

Save Money By Saving Time

The hunt for an insurance policy, the endless comparisons, quotes, and inquiries, the paperwork and, later on, the legal conundrums that misunderstood clauses or delayed claims can give rise to can become a time sink if you don’t have an insurance expert in your team. Dealing with all of these will take up precious time that you could otherwise invest in your business. By teaming up with an independent insurance agency in Houston such as Boardwalk Insurance you can avoid all these inconveniences.

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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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5 Factors to Consider When Choosing An Insurance Agency in Houston 4.75/5 (95.00%) 4 votes

Like all large cities, Houston has its fair share of insurance agencies, some of them large, others tiny. Whether you represent an organization or are an individual, whether you need garage liability insurance, exotic car insurance, or commercial liability insurance, you want to make sure you consider the right factors when determining which insurance agency in Houston you put your trust on. Here are the key factors you should keep in mind.

Size – Big or Small?

Although smaller agencies have fewer customers and are, in theory at least, likely to offer you better deals and a more personal service, the fact of the matter is that small agencies often work with the same insurance providers as large ones. In other words, the size of the agency shouldn’t be the main factor on which you base your decision.

Type – Captive or Independent?

A far more important consideration than size is whether the agency you choose is captive or independent. While a captive agency works only with a single insurance provider, and is limited by the offers and the requirements of that provider, an independent agency is free to choose the insurance companies with which it collaborates. The benefits of using an independent agency boil down to a wider selection of policies, more options to choose from, as well as better rates, since you can compare providers.

Cost

Although cost isn’t always the best determining factor when comparing insurance agencies, you should of course sample a few offers from different agencies and compare them. When comparing the cost of the insurance, consider not just the cost of the deductible, but also that of the co-pay and out-of-pocket limit.

Coverage

You want to make sure that the policies your insurance agency are offering provide enough coverage. Enough is here, of course, a relative word. Instead of looking only at the sum of money paid as coverage, consider the small print, the limitations and requirements for the coverage to be paid in the eventuality of an accident, as it may differ from company to company.

Policy Availability

If you run or manage a business, you probably don’t need just one type of policy, but several. For example, if you run a car body shop or a car repair shop, you will need not only business liability insurance, but also garage liability insurance and garage keepers insurance. Being able to obtain all the policies you need through the same insurance agency isn’t only convenient, but may also help you pay less for them, and enjoy other benefits as well.

If you are looking for an established and reliable insurance agency in Houston, you may want to take a look at Boardwalk Insurance, whose commercial as well as personal lines of insurance cover the whole gamut of insurance needs that individuals and organizations in Texas have. Boardwalk Insurance is an independent agency that works with the major insurance companies in the region and provides complete coverage. Learn more about our services at www.boardwalkinsurance.com.

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Keeping Your Exotic Car Safe 4.50/5 (90.00%) 2 votes

The investment you put into your exotic car is large, to say the least. Having a professional insurance agency in Houston to ensure your investment does not lose value in any way, shape, or form can provide you with the security and peace of mind you desire, making driving your beautiful exotic car that much more relaxing. At Boardwalk Insurance, we offer that peace of mind, with quality insurance that protects your car. Here are some additional steps you can take to ensure you keep your exotic car safe from all sorts of danger.

Exotic Car Warranty

An exotic car warranty is an investment which all exotic car owners should seriously consider. It extends the factory warranty and expands on it as well. Although it does cost extra to maintain said warranty, more often than not, it is a good idea to invest in such a warranty as it can ensure that damage to your exotic car is readily undone. Although coverage can vary, generally exotic car warranties are much more inclusive and liberal in their coverage than their factory counterparts are. At Boardwalk Insurance, we provide very inclusive exotic car insurance at an affordable price.

Install Preventative Hardware

By preventative hardware, we mean things such as airbags, anti-theft alarms, etc. Depending on where you purchased car and what type your car is, these things may have been removed or never installed so as to maximize performance. It is highly recommended that you (re)install such devices as the cost it can accrue over a long period of time will likely outweigh the cost it will in the short term.

Erase Your Past Citations

Although sometimes difficult, removing your past driving records regarding accidents and tickets can really make getting insurance for your exotic car less costly. Usually a highly skilled lawyer will be able to accomplish this feat. Doing so will likely diminish your premiums and increase forgiveness.

Etch Your VIN Number on Your Car’s Window

By carving in your VIN number in your car’s window you can add an extra layer of identification in the event that your car is stolen. Doing so will also – as an added benefit – likely decrease your coverage rates since it eases the tracking process.

Luckily for exotic car owners a great many of the measures you take to ensure your car’s safety will also decrease your premium and make insurances companies more affable. This win-win situation really goes to bolster the importance of insuring your car is protected by a warranty and by anti-theft measures.

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3 Exotic Car Insurance Tips in Texas 4.80/5 (96.00%) 5 votes

If you drive an exotic car, finding an exotic car insurance that offers good coverage for your needs should be one of your priorities. Exotic cars can be very costly to repair even after a relatively minor accident, which is why a good exotic car insurance is an excellent way to protect your prized vehicle and enjoy peace of mind while you’re on the road. The following tips will help you make the right choice.

Figure out whether you need an exotic car warranty as well

An exotic car warranty extends your factory warranty and can cover some of the parts of your car that may wear out in time. Different providers have different policies of course, and the coverage can vary widely. Even with an extended warranty you will still have to pay money from your pocket to replace tires and other parts of your car, but the advantage of the warranty is tha

t it can save you from the high costs of major engine or transmission repairs. If you get both exotic car insurance and exotic car warranty from the same provider, you may benefit from discounted rates.

Install an anti-theft alarm, air bags, and other safety devices

If you’ve purchased your exotic car from a collector or another owner, rather than directly from a showroom, the vehicle may have been stripped bare of extras such as air bags or even alarms to maximize performance. The cost of installing these may often be lower than the long-term costs of having to pay higher premiums on your insurance. More than the financial benefits, however, you’ll increase your safety and deter theft.

Look for an insurance agency in Texas that works with multiple insurance companies

To get the best rate on your exotic car insurance, you want to choose an independent insurance agency that doesn’t work with a limited number of carriers. The more options you have, the easier it will be to get a good rate on the coverage you need. Remember that not all auto insurance firms offer exotic car insurance, which is why having multiple options to choose prevents you from being stuck with a very costly insurance plan.

At Boardwalk Insurance, we are an insurance agency in Houston that works with many different carriers in order to provide customers with plenty of options to choose from. Furthermore, we offer exotic car warranty on top of our exotic car insurance solutions, providing complete coverage for owners of cars manufactured by Ferrari, Lamborghini, Porsche, and many other exotic car brands.

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How to Save Money On Your Exotic Car Insurance 4.50/5 (90.00%) 2 votes

Exotic cars are not only expensive to buy, but also require a costly insurance. That is only natural since exotic cars, due to their super-fast engines, are more likely to be involved in speeding, dangerous driving, and accidents. As a general rule, convertibles require a more expensive insurance than average cars – the more powerful the engine, the more costly the insurance. Whether you already own an exotic car or plan to buy one in the future, there are a couple of ways in which you can save money on your exotic car insurance.

  1. Go for a limited mileage policy. At first this may sound like a serious limitation, but consider how much you actually drive your exotic car. Chances are you don’t drive it every day.
  2. Do your best to avoid tickets and moving violations. A ticket or moving violation can raise your insurance rate with as much as 22%.
  3. Try to wipe off your record existing tickets or moving violations. A skilled attorney can pull it off, and in many cases the expenses his or her services require will be lower than the cost of paying for a higher insurance premium.
  4. Choose the highest deductible you can afford. High deductibles make insurers feel more at ease, especially when it comes to exotic car warranty and insurance, and this means lower rates. A good idea is to set up a savings fund especially for your deductible payment.
  5. Consider the car model you buy. If you want to change your exotic car or get a new one, you should know that the same insurer can offer you different insurance rates depending on your car’s model. For example, models that have been involved in many accidents over the years, especially in celebrity ones, can require higher premiums that models which are just as fast and powerful but don’t have the same infamous history.
  6. Install an anti-theft device. Surprising as this may sound, many exotic cars, and especially older models, may not have the anti-theft devices (alarms and trackers) that luxury cars have. This is because manufacturers of exotic cars strip them of all extras in order to make them as fast and as aerodynamic as possible.
  7. Make sure your VIN registration is etched into your car’s window. This can lower your coverage rates, since it makes tracking easier in case of theft.

In the end, don’t forget that it’s important to choose your exotic car insurance provider with care. Don’t settle for the first that comes your way but research the market and find the best insurance agency Houston based for your needs. A bit of research beforehand can help you save hundreds or even thousands of dollars on your car insurance premium, as well as avoid stress should you ever need to claim your insurance.

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