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

CAT | Employment Practices Liability 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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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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Who Needs Professional Liability Insurance? 4.50/5 (90.00%) 2 votes

Professional liability insurance protects professionals where a small error in their work could have disastrous financial results for their client.  Professionals who give out advice or handle paperwork are the most prominent holders of professional liability insurance, however many professions can use professional liability insurance to protect themselves from the cost of error related damages.

Professional liability insurance is important for many professionals, since it protects them from the financial damages related to an error in their work.  Professional liability insurance can cover a wide variety of professions where precision can be very important, and lack of precision can be very costly.

Here is a small selection of risks considered:

  • Architects/Engineers
  • Advertising Agencies
  • Animal Grooming Services
  • Auctioneers
  • Billing Services
  • Car Title / Tag Services
  • Caterers
  • Claims Adjusters
  • Collection Agencies
  • Consultants
  • Credit Investigations
  • Direct Mail Services
  • Employment Agencies
  • Event Planners
  • Expert Witness
  • Funeral Directors
  • Hotel Managers
  • Management Consultants
  • Marketing Consultants
  • Real Estate Agents
  • Tax Preparers
  • Temp Services
  • Trainers
  • Travel Agents
  • Administrative / Office Services
  • Alarm Monitoring
  • Answering Services
  • Bookkeepers
  • Career Counseling / Researchers
  • Claim Administration
  • Composers / Lyricists
  • Court Reporters
  • Data Processors
  • Ergonomic Consultants
  • Forensic Analysts
  • Graphic Designers
  • Home Inspectors
  • HR Consultants
  • IT Consultants
  • Media/Publishing
  • Marketing Firms
  • Medical Billers / Coders
  • Mortgage Field Services
  • Photo Services
  • Property Managers
  • Telemarketing Services
  • Third Party Administrators
  • Translators

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

Professional liability insurance is important since small errors in their work can lead to costly financial losses.

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Where to Find Cheap and Fast Commercial Insurance Quotes for Small Businesses and Owners 4.33/5 (86.67%) 3 votes

Small businesses are a very important part of the economy.  However, they face tough competition from large, name brand stores and frequently have to find unique ways to cut costs to lower their overhead and compete in a tough marketplace.  These small business insurance packages can help save money and protect the business.

Small business insurance takes big business policies and makes them more appropriate for the smaller settings that small businesses operate.  The coverage and limits of big business policies are generally not needed and small businesses do not want them.  This small business insurance package is perfect for many types of businesses.

Business types covered:

  • Grocery stores
  • Gas stations
  • Convenience Stores
  • Liquor Stores
  • Beverage Stores
  • Restaurants
  • Bars
  • Taverns
  • Clubs
  • Adult entertainment
  • Child care facilities
  • Janitorial contractors
  • Apartments
  • Rental dwellings
  • Homeowner associations
  • Condo associations

If you do not see your type of business here, contact Boardwalk Insurance to see if this policy can be adapted for your business

 

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Insuring Those In a Specialty Construction Business 4.50/5 (90.00%) 4 votes

Construction is a demanding industry.  There are deadlines to meet, quality to ensure, and safety to observe.  Specialty construction jobs can be even more sensitive to the demands of the industry, where the average construction company and their reputation will not suffice.

Construction insurance combines many different insurance coverages into a unique policy for construction companies.  Construction insurance also extends to contractors hired by the construction company to help complete the project in a timely manner.  These construction insurance policies cover a very wide variety of specialty construction companies and offer much flexibility when creating a construction insurance policy.

Owners & Contractors Protective Liability Coverage:

  • Minimum Premium of $2,500
  • Deductibles from $0 to $5,000
  • Limits up to $3MM/$6MM
  • Appetite for Residential, Commercial, Industrial, and Governmental projects
  • 100% Earned Premium on RPL Coverage

Railroad Protective Liability Coverage:

  • Minimum Premium of $1,500
  • No deductible
  • Limits up to $2MM/$6MM
  • 100% Earned Premium on RPL Coverage

Optional GL Coverages Available:

  • Employee Benefits
  • Hired and Non-Owned Auto
  • Limited Electronic Data
  • Limited Pollution

Sample of Construction Operation that can be considered:

  • Alarm Installation, Service and Repair (With Limited Professional Available)
  • Boiler, Inspection, Installation Cleaning or Repair
  • Bridge or Elevated Highway Construction
  • Carpentry
  • Cell Phone Tower Erection, Service and Repair
  • Concrete Construction
  • Conduit Construction for Cables or Wires
  • Demolition Contractors
  • Driveway, Parking Area or Sidewalk – Paving or Repaving
  • Drywall or Wallboard Installation
  • Electrical Apparatus Installation, Service and Repair
  • Electrical Work Within Buildings
  • Excavation and Grading of Land
  • Fire Suppression Systems Installation, Service and Repair (With Limited Professional Available)
  • General Contractors – Commercial and Industrial
  • Heating or Combined Heating and Air Conditioning Systems or Equipment
  • Logging and Lumbering
  • Machinery or Equipment – Installation Servicing or Repair
  • Masonry
  • Metal and Steel Erection
  • Plumbing
  • Roofing
  • Sewer Mains or Connections Construction
  • Solar and Wind Energy Construction
  • Street or Road Construction or Reconstruction
  • Welding or Cutting

 

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Youth Sports Organizations and Little League Teams Should Carry an Insurance Policy 4.25/5 (85.00%) 4 votes

As much fun as they are to watch, sports can be dangerous activities.  There is always the potential for bodily injury in nearly every sport.  Insurance is also needed for the facilities they use and even for fundraisers hosted by the youth sports team.

This all-in-one insurance for youth sports package product provides protection for a variety of sports.  Property and liability coverage is offered in this insurance for youth sports package with a wide range of limits, ensuring that a small incident does not force the youth sports group to disband.

This All-In-One Non Profit Package product provides Youth Sports Organizations, with participants 18 years of age and younger, the opportunity to purchase General Liability, Property, and Directors & Officers (D&O)/ Employment Practices Liability (EPL) coverage all on one policy!

Target Accounts – The highest quote and bind ratio

  • New and existing organizations
  • Sports include but are not limited to Soccer, Football, T-ball, Baseball, Softball, Basketball, Volleyball, Tennis, Golf
  • Organizations that require parents or legal guardians to sign waivers of liability/release forms for all activities
  • Organization that perform background checks on all employees and volunteers
  • Organizations that have Accident & Health coverage in-force
  • No more than 1 loss or claim in the past 3 years

Product Advantages:

  • Coverage is available for athletic participants
  • Abuse and Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate available
  • Assault and Battery sub-limit of $50,000 available at no additional charge
  • Hired and Non-Owned Auto Liability coverage available in most states
  • Fundraisers and certain special events included at no additional cost
  • Landlord listed as an Additional Insured for no additional charge
  • No liability deductible
  • Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims
  • Lifetime Occurrence Reporting Provision for former Directors and Officers
  • Unlimited defense costs outside the limits for D&O and EPL coverage
  • Full Prior Acts Coverage for D&O and EPL coverage
  • Optional fiduciary liability for D&O coverage
  • Property available on Special Form and Replacement Cost
  • Inland Marine coverage available for sports equipment
  • Crime coverage available

Available Limits:

  • Liability limits up to $1,000,000 occurrence/$3,000,000 aggregate
  • Abuse & Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate
  • Assault & Battery sub-limit of $50,000 at no additional charge
  • Property values up to $500,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit.)
  • $5,000,000 additional capacity available for Umbrella Coverage

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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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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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Special Boardwalk Insurance Programs for Hotels, Dry Cleaners, Tattoo Parlors and More 3.75/5 (75.00%) 4 votes

Specialty businesses generally require specialty insurance to best protect the business and its assets.  With varying insurance policies for hotels, dry cleaners, tattoo parlors, and other businesses, Boardwalk Insurance Group has the flexibility to fit your needs.

Business insurance cannot be generalized to fit every business.  Each type of business has its own needs and potential liabilities, and requires a special insurance policy to best protect it.

Boardwalk’s current Programs include:

•     Hotels/Motels

•     Coin Laundries

•     Dry Cleaners

•     Religious Institutions

•     Pawnshops

•     Convenience Stores

•     Assisted Living Facilites

•     Tattoo Parlors

On each of these Programs – Boardwalk provides:

•     24-48 hour turnaround on most quotes with an effective date within the next 30 days.

•     Expertise on the above program classes of business

•     Competitive Pricing

•     Broad coverage designed specifically for that industry.

•     Industry specific contact lists at your request.

•     Program Flyers for a Mailing Campaign.

•     Product Guides for specific industries.

•     Industry Specific Applications

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Insurance for Churches, Mosques, Synagogues, Temples and Other Religious Institutions 3.50/5 (70.00%) 2 votes

Unfortunately, religious institutions are susceptible to an increasing number of risks resulting in monetary damages.  Having the right insurance policy in place can help protect your non-profit organization.
Here are the Coverages Your Organization Should Carry:
•    Commercial General Liability Insurance
•    Commercial Property Insurance (if the organization owns real property)
•    Directors and officers Liability Insurance
•    Employment Practices Liability Insurance
•    Special Events Liability Insurance
•    Special Religious Property Coverage which includes the unique exposures associated with religious facilities such as coverage for organs, pulpits, baptismal fonts, pews, stained glass, arks, tabernacles, etc.
•    Money & Securities with the ability to increase your limit on select days when offerings are larger
•    Members and Volunteers should be included automatically as additional insureds
•    Licensed Day Cares and Preschools included if necessary

Boardwalk Insurance Group is an independent insurance agency specializing in a variety of commercial insurance programs through its network of insurance companies and insurance brokers.  Their specialty package for religious institutions, in addition to what’s listed above, includes the following:

o    Money & Securities Coverage
o    Employee Dishonesty Coverage
o    Spoilage Coverage
o    Accounts Receivable Coverage
o    Valuable Papers Coverage
o    Sewer Back Up Coverage
o    Personal Effects Coverage
o    Clergy and Counseling Professional Liability
o    Hired and Non-Owned Auto
o    Employee Benefits Liability
o    Directors and Officers Liability
o    Employment Practices Liability
o    And many more…

This Program is Specifically Designed For:
•    Churches / Tenant Based Church
•    Mosques
•    Synagogues
•    Temples
•    Other Religious Institutions

Coverages Limits Generally Include:
•    General Liability – up to a $3,000,000 limit
•    Property (Buildings, Business Personal Property, Business Income, Equipment Breakdown)- up to $2,000,000 per location.
•    Sexual Molestation  – up to $200,000 Limit

Coverage is placed through A+ rated insurance companies and higher limits are available upon request.

Boardwalk Insurance Group services are 100% free of cost to you so why not submit an application today and find out for yourself?  Quotes can be obtained in as little as 48 hours in most cases.

 

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