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

CAT | Commercial Property Insurance

Boardwalk’s Hotel Insurance Provides Valuable Protection 4.33/5 (86.67%) 12 votes

Hotels and motels are an integral part of the service industry, providing a comfortable, safe place to rest while on vacation.  To protect the hotel from the cost of covering any damages from liabilities or hazards, hotel insurance is a must.  Hotel insurance can offer protection in a wide variety of situations, but what sets it apart from more generic business insurance policies is hotel insurance is customized for the hotel industry.

Hotel insurance is made up of two main components, property hotel insurance and liability hotel insurance.  Both the property and liability coverage can then be broken down into what it specifically covers.  The property coverage of hotel insurance protects both hotel property and the property of the guests staying there.  In the event of damage to the property, business income coverage in hotel insurance protects from loss of business.  In a hotel where damage to one room can quickly affect many, this aspect of hotel insurance is surprisingly important.  Other property related hotel insurance coverage protects from theft by employees and equipment failure, such as computers and other important appliances related to operating your hotel.

In the service industry, liability coverage is just as important, if not more important, since guests and employees who feel they have been put down can easily file a lawsuit, whether substantiated or not.  Even bogus claims can cost thousands of dollars do defend the good name of the business. Hotel insurance protects from the costs of both guest and employee liability claims.  A guest that slips and falls on a spill in the breakfast area can be a costly customer if hotel insurance is not around to cover the cost of legal expenses and other damages possibly awarded.  Hotel insurance even covers liability claims by employees if they get hurt on the job or file a civil claim for discrimination.

Something else to think about for hotel owners is that franchised properties may require umbrella insurance in addition to standard hotel insurance.  Umbrella insurance is just another layer of financial protection.  It covers above and beyond when the premiums of the hotel insurance are reached by the cost of the damages.  Umbrella insurance is a great second line of defense, especially for larger hotels where paying for a higher premium on a standard hotel insurance policy might be cost prohibitive.

Insurance is an important line of defense for many costly situations facing businesses daily.  For hotels, customized hotel insurance has the potential to preserve the property in the face of seemingly irreparable damage or a strong liability suit.

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Garage Liability Insurance Protects Customers and Employees 3.43/5 (68.57%) 7 votes

There are many auto repair shops, ranging from small local businesses to large franchise shops to dealership service facilities.  There are many tools and chemicals presenting potentially grave liabilities should something go wrong.  To protect the business, garage liability insurance and garage keepers insurance can be taken out for the business.

Garage liability insurance is a business insurance that strictly covers liability for the property and the work done there.  Typically, garage liability insurance is also paired with garage keepers insurance, which covers the property of customers at the garage.  Both garage liability insurance and garage keepers insurance are very important for auto repair shops, because even the smallest mishap on the property can have potentially devastating repercussions.

Garage liability insurance protects the business from any potential liabilities on the property.  Whether the liability comes from an employee’s actions or a disgruntled customer, garage liability insurance protects the auto repair shop from the costs of the damages.  With all the tools and chemicals, garage liability insurance is a must.  Oil can cause someone to slip and fall, the lift holding the car up could fail, and in the event a repair goes bad, the auto repair shop is also protected from the angry customer as well.  Some auto repair shops also own and operate their own fleet of vehicles, from rapid response flat tire repair to tow trucks of various sizes for anything from a car to an eighteen wheeler.   These vehicles are also covered by garage liability insurance.  No auto repair shop is too small for garage liability insurance.  Even if the auto repair shop is on the side of a convenience store or another unrelated business, garage liability insurance should be used to protect it.

Garage keepers insurance is just as important as garage liability insurance for an auto repair shop.  While garage liability insurance protects the business and its property, garage keepers insurance protects the property of the customers.  Many of the same dangers concerning garage liability insurance also pertain to garage keepers insurance.  While garage liability insurance will probably provide more day-to-day protection, garage keepers insurance will most likely protect against a larger single claim.  If something were to happen at the auto repair shop that damages or destroys customer property, like a fire destroying several cars, garage keepers insurance provides coverage.  The cost of damages to vehicles and the property in them can quickly escalate into the tens and hundreds of thousands of dollars depending on the size of the auto repair facility.

Both garage liability insurance and garage keepers insurance have many different factors affecting the policy, and shopping around for an adequate garage liability insurance and garage keepers insurance policy can be a very demanding task.  However, an independent insurance agency can effectively do most of the work for you by generating business insurance quotes from affiliated insurance providers.  This lets the auto repair shop owner focus on their work while ensuring the policy is the best value and meets the needs of the auto repair shop.

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Boardwalk Insurance Group has Marine Insurance 4.20/5 (84.00%) 5 votes

Owning a boat or ship opens you up to a lot of potential hazards while on the water.  Whether your water craft is for personal pleasure or commercial business, marine insurance or boat insurance can protect you while on the water.

Marine insurance can cover a wide range of aspects concerning marine operations and boat ownership.  The simplest marine insurance policies cover against damage or the loss of the boat or ship; however more comprehensive marine insurance policies can cover damage and liability to third parties and their property.  Marine insurance is also typically required on the boat or ship when taking out a loan to purchase the boat.  Boat insurance can cover a wide variety of crafts, from jet skis to luxury yachts to commercial vessels.

For personal craft, once a boat is paid for and marine insurance is no longer required, liability coverage is still recommended.  Liability coverage on boat insurance protects you if a third party is injured or their property is damaged, and it still covers damage to your boat or ship.  Personal marine insurance can be customized to cover salvage operations, including fire, sinking, fuel spills, and running aground.  Dock liability coverage can also be added to a marine insurance policy, protecting yourself from damage done to a marina or dock where your boat is docked.

Commercial marine insurance also has provisions to protect cargo in addition to many of the same protections in personal boat insurance.  Water transportation has some of the most unpredictable hazards, and even those that can be predicted are hard to avoid.  Pitching and rolling of ships can damage cargo as it rolls around inside the hold of the ship itself, despite the best packing by the company that packed the contents.  Commercial marine insurance protects the owner of the ship from having to cover the cost of the damages.  In addition, commercial marine insurance needs more provisions for employees, as well as third parties, since contractors are used on some larger vessels to have a full crew.  Also, since commercial vessels are generally larger that personal vessels, commercial marine insurance can cover larger ships than personal boat insurance.

Marine insurance can be very strict, with policies spelling out every minute detail and can be void if the details of the insurance policy are not regarded.  Finding the best personal boat insurance quotes or getting business insurance quotes for a commercial marine insurance policy can therefore be very time consuming and if the details are not checked and double checked, a missed item could be potentially disastrous.  An independent insurance agency can help out, since most have the ability to write policies for many different insurance providers.

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Marine Insurance for Any Watercraft 3.67/5 (73.33%) 3 votes

The ocean can be a hazardous place, with potential problems lurking at every turn.  Storms, rough waves, underwater hazards, and others can pose problems for maritime transport.  To help reduce the financial risk of companies in related marine industries, marine insurance policies can be created. Marine insurance commonly covers the loss or damage of ships, cargo, and ship terminals.

Since there are both commercial and personal aspects to marine insurance, the types of policies and coverage can vary widely.  Commercial marine insurance can include cargo insurance, hull insurance, liability insurance, and freight insurance.  Cargo insurance covers the cargo onboard the ship, as well as the belongings of the people on the ship.  Hull insurance protects the costs of repair to the hull of the ship in case of damage, as well as much of the equipment and furniture on the ship that is not cargo.  Marine liability insurance provides compensation if a ship crashes or collides.  Freight insurance protects merchant vessel corporations from financial responsibility in the event of lost cargo from one of their ships.  These commercial marine insurance policies can be broken down or have variants to allow for merchants the flexibility to create a marine insurance policy that fits the needs of their business.

For more personal marine insurance policies, coverage like cargo and freight insurance is not needed.  However since boats and yachts can be significant investments, boat insurance is necessary to protect the owner from financial responsibility in case of an unforeseen event.  Additionally, many states require boat insurance, just as most states require auto insurance to protect the monetary damages motorists can inflict on each other.  Boat insurance is actually available as a form of marine insurance, or as an additional coverage on a homeowners’ insurance policy.  Water craft liability insurance is the most basic form of personal marine insurance available.  Water craft liability insurance covers damage to people or property due to actions on the boat, whether it is in the water or being towed to or from the water.  Sometimes added to personal boat insurance is a medical payment insurance that covers medical expenses of the operator and passengers in the boat if they injured in an accident covered by the liability marine insurance.  Wreck removal and pollution coverage is another recommended marine insurance addition to the standard boat insurance.  After a boat is wrecked, removal is required in a timely manner.  Depending on the damage to the boat and whether it has sank or not, this can be a costly undertaking, especially since the turnaround for removal must be expedient.  Also, if any gasoline or oil leaks, the owner of the boat will be fined for the pollution to cover the cleanup costs.  Wreck removal and pollution marine insurance coverage ensures these costly bills are not solely covered by the owner of the boat.

Similar to cars, many boating accidents take place within a short distance of the home port, so marine contractors’ insurance can be helpful coverage.  Marine contractors’ insurance covers workers in the port or marina where the boat or ship is docked, sheltering the owner from costs if a dock contract worker is injured while attending to their craft.

Marine insurance can protect one of the most significant investments people make outside of their home.  While the insurance coverage varies depending on the type of boat or ship and the purpose, the insurance can more than pay for itself in the event of an unforeseen accident.

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Specialized Hotel Insurance 4.25/5 (85.00%) 4 votes

Hotel chains have reputations attached to them based on the name of the particular franchise.  To qualify to use the name of a particular hotel chain name as a franchise, the hotel company expects certain standards to be maintained to preserve the integrity of the brand name.  These reputations permeate the public consciousness as well.  Comprehensive hotel insurance can help protect hotels from unexpected events involving the hotel, its employees, and its patrons and their property.

Hotel insurance is generally a combination of several basic insurance policies, including a contents policy, business interruption policy, and both public and employers’ liability policies.  A comprehensive hotel insurance policy saves hotel owners the need to shop around for multiple policies and possibly pay multiple providers multiple premiums that will almost certainly cost more than a bulk hotel insurance policy.

These different coverages are important to make hotel insurance a complete policy.  Contents insurance protects the contents within the hotel from loss or damage.  With hotels pushing more and better features to attract guests, contents coverage protects anything from the new flat screen TVs in the rooms to the towels and the sheets that sometimes disappear after a guest checks out.  Guests’ property coverage also covers the possessions of guests staying on the property from loss or damage, ensuring the hotel is not on the line for paying for replacements.  In addition, franchised hotels are required to hold excess liability insurance.

Business interruption insurance protects the hotel in case of lost business due to loss of facilities from an accident.  It covers the loss of profits while the property is being repaired due to insured events like a fire, flood, or other catastrophe.  Liability for both the public and employers’ covers accidental injury while on the hotel property.  Public liability protects the hotel and its owners from accidental injury claims from a third party, while employers’ liability protects the hotel from employee injuries while on the hotel property.  Hotel insurance also frequently covers other legal expenses such as the cost of barristers and witnesses and opponents’ costs if the case is judged in their favor.

Other hotel insurance policy options include theft by employee coverage, customer inconvenience remuneration expenses, delivery and service errors and omissions, and lost key coverage.

 

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Liquor Liability Insurance 4.25/5 (85.00%) 4 votes

Liquor and alcohol comes in many shapes and sizes.  The effects it can have on people can be equally as varied.  For businesses that sell liquor and alcohol, liquor liability insurance is just as important as having a license to sell liquor.

Liquor liability insurance protects businesses that sell liquor from liability claims against them as a result of the actions of inebriated patrons.  If a drunk person leaves the bar, liquor liability insurance protects the business that provided the liquor from any damages the drunk person may cause.  Since damage caused by people under the influence, including the possibility of death, can be very significant, businesses that serve alcohol could be required to cover very expensive damages if they do not hold liquor liability insurance.

Monoline & Package Liquor Program

Targeted Classes Include:

  • Alcohol Manufacturers
  • B&B’s
  • Banquet Halls
  • Bars/Taverns
  • Bowling Alleys
  • Casinos
  • Caterers
  • Comedy Clubs
  • Concession Stands
  • Convenience Stores/Mini Marts
  • Country Clubs/Golf Courses with Club Houses/Restaurants
  • Grocery Stores
  • Hotel/Motels/Inns
  • Karaoke/Hostess Bars
  • Lodges
  • Nightclubs
  • Package Liquor Stores
  • Private/Social/Fraternal Clubs
  • Restaurants
  • Special Events
  • Wineries
  • Wholesale Distributors

Coverages Available (Monoline or Package):

  • Casualty
  • Liquor Liability
  • Property
  • Umbrella/Excess Liability
  • Hired and Non-Owned Auto

Features:

  • Minimum Premium: $500
  • Startups Can Be Considered
  • Assault & Battery Coverage Can Be Included with Optional “Silent” A&B

Liquor liability insurance can financially save a business that distributes liquor and other alcohol if alcohol sold at that establishment was determined to play a role in any damages.  To find the best liquor liability insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best liquor liability insurance available.  With 23 affiliated insurance providers and licensed to write policies in over half the United States, Boardwalk Insurance Group has the ability to take the time to understand your needs and create the most appropriate policy for you.

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Garage Keepers Legal Liability Insurance, Dealers Open Lot and Physical Damage 4.67/5 (93.33%) 3 votes

Garage liability insurance protects auto repair facilities, their employees, and customers while the shop is open for business.  However, for vehicles that stay overnight, there is a different type of insurance that is needed.  Garage keepers insurance protects vehicles that must stay overnight at auto shops.

In addition to garage keepers insurance, dealers open lot insurance protects vehicles on the lot at car dealerships from many different perils.  Both garage keepers insurance and dealers open lot insurance are very important insurance policies to hold, since the value of the vehicles can easily run into the hundreds of thousands of dollars, if not more.

This garage keepers insurance and dealers open lot insurance can provide crucial coverage

  • Limits up to $5,000,000 in house
  • Many classes available:

-          Auto Repair

-          Dealers

-          Self or Valet Parking

-          Condo Associations

If you do not see your business class on this list, contact Boardwalk Insurance Group to see if your profession can be covered.

Garage keepers insurance and dealers open lot insurance provides important protection from the cost of repairing vehicles damaged on a covered property.  To find the best garage keepers insurance or dealers open lot insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best garage keepers insurance and dealers open lot insurance available.

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Garage Liability Insurance in Many States 5.00/5 (100.00%) 3 votes

Auto shops are great at repairing and maintaining vehicles, whether there is structural damage or a simple oil change is needed.  Sometimes the work done can be dangerous, especially when employees and customers are not careful.  Garage liability insurance protects auto shops from potential liabilities that employees and customers may claim against them.

Our garage liability insurance can help you place coverage for dealers involved in selling and services of autos, service operations engaged in repairing, towing, servicing, salvaging, and valet parking of autos.  Garage liability insurance is very important for auto shops, or any business that has an auto shop, including some department stores, gas stations, and auto dealerships.

We can provide coverage for:

  • Garage Liability
  • Medical Payments
  • Fire Legal Liability
  • Personal Injury Protection
  • Uninsured Motorist Coverage
  • Dealers Physical Damage
  • Auto Physical Damage for scheduled service units
  • Garage Keepers Legal Liability
  • Packages are also available!

Unique classes of business we can consider include:

  • Antique/Classic Auto dealers
  • Auctions
  • Bus sales and Service
  • Car Wash-Full Service
  • Mobile Mechanics
  • Motorcycle Service
  • Oil and Lube Shops
  • Salvage Yards
  • Truck Tractor Sales and Service
  • Valet Parking Services

If you do not see your business class on this list, contact Boardwalk Insurance Group to see if your profession can be covered.

Garage liability insurance is protect auto shops from many different liability claims that could be brought against them, whether they are from employees or customers.  To find the best garage liability insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best garage liability insurance available.

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Commercial Insurance for Small Businesses 5.00/5 (100.00%) 3 votes

Small businesses are important parts of any economy.  They have the flexibility and the service to meet changing demands and the ability to go the extra mile like big box stores do not.  Specialized commercial insurance for small businesses has the same flexibility and adaptability that small businesses give to their own customers.

Commercial insurance for small businesses gives small businesses the protection they need without many of the features needed only by small businesses.  Commercial insurance for small businesses is a big business insurance policy in a small package.

Businesses Covered:

  • BOP & Small Business
  • Commercial Auto
  • General Liability
  • Umrella / Excess Liability
  • Builders Risk
  • Property & Inland Marine
  • Work Comp
  • Farm & Ag
  • Bonds
  • And Many More

If you do not see your type of business listed, call to see if commercial insurance for small businesses can be written for your business.

 

Commercial insurance for small businesses provides important protection for important businesses at a more affordable price.  To find the best commercial insurance for small businesses, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best commercial insurance for small businesses available.

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Mobile Home Park Insurance 4.33/5 (86.67%) 3 votes

Owners of mobile home parks lease land to mobile home owners so that they can hook up their home and have somewhere to stay.  Like many other owners of property with tenants, they need insurance to protect them from any property damage or financial liability.

Mobile home park insurance gives property owners an essential level of protection.  Mobile home park insurance includes both property and liability protection from many different perils and situations.

Coverage Features:

  • No liability deductible
  • Assault or Battery coverage is provided at full limits for most accounts
  • Blanket Additional Insured coverage provided for no additional charge
  • No Animal Exclusion used unless prior animal loss history
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
  • Full coverage provided for Mobile Home Parks with swimming pools, playgrounds or sport courts
  • Hostile Fire Exception to Pollution Exclusion

Liability Features:

  • Comprehensive coverage via an ISO Commercial General Liability coverage form
  • Liability limits available up to $1,000,000/$2,000,000
  • Additional limits up to $5,000,000 available through our Commercial Umbrella and Excess General Liability products
  • No Liability deductible
  • Blanket Additional Insured coverage provided for no additional charge
  • Coverage for owned units leased to tenants
  • Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
  • Pollution Exclusion to include Hostile Fire exception

Credits available when:

  • No owned mobile homes rented to tenants
  • No dogs permitted on premises and stipulated within lease agreement
  • Community property owner or manager lives on premises
  • Criminal background checks performed on all potential residents
  • No swimming pool or playground on premises

Property Features:

  • Value Plus-property enhancement endorsement providing 15 optional coverages
  • Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
  • Special cause of loss and replacement cost coverage is available
  • Older buildings are acceptable with a Functional Building Valuation Endorsement
  • Property Limits up to $1,500,000 available
  • All permanent structures (non-mobile home) can be schedule to policy

Why do you need to purchase a mobile home park product?

  • A tenant’s dog bites a neighboring tenant causing bodily injury
  • Injured claimant alleges park rules and guidelines regarding dogs were not enforced or regulated
  • A guest to the premises falls and sustains a fractured hip

Mobile home park insurance is an essential form of protection that is important to preserve the property owner’s business.

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