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

CAT | Insurance for Religious Organizations

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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Professional Liability Insurance Products for IT Pros 5.00/5 (100.00%) 2 votes

Information Technology professionals are tasked with creating and maintaining many electronic files, infrastructure, and information for businesses.  Being successful in the information technology business means handling quite a bit of information and interpreting and distributing it for others to use.  Unfortunately it is almost inevitable that mistakes are made.

Professional liability insurance protects many types of professionals, including those in the information technology industry.  Professional liability insurance covers losses due to negligence, misrepresentation, unfair dealing, and poor or inaccurate advice.  Professional liability insurance is unique because the damages are not physical, but they can still be financially harmful.

Our MicroTek Pak Product Targets:

  • IT Consultants with up to $500,000 in revenue
  • Up to 3 Professionals

Minimum premiums starting as low as $995.

Our SuperTek Pak Product Targets:

  • IT Consultants with up to $15,000,000 in annual sales

Policy Highlights:

  • Defense Outside the limits of liability

Do you know any professionals working in:

  • Website Design
  • Software Development
  • Database Administration
  • Web Hosting
  • Software/ Hardware Sales
  • And many, many more

 

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Insurance for Weddings and Other Special Events 4.60/5 (92.00%) 5 votes

Weddings should be a time of joy and celebration.  If you host weddings and other special events, do not let the prospect of liability claims or property damage dampen the event.  Insurance for special events protects you and your property from the costs of liability claims and property damage, ensuring you can afford to continue hosting events.

Special event insurance can be valuable for many facilities that host private events and special occasions.  Special event insurance can cover a wide variety of claims, protecting from property damage, general liability, and liquor liability.  Do not let your facility get caught off guard with no protection in place.

COVERAGE FEATURES

  • General Liability and host liquor liability coverage included with separate limits (important if there are multiple large claims)
  • Coverage for property damage caused to the rented banquet hall facility
  • Medical payments coverage is provided
  • Food and beverage product liability is included
  • No general liability deductible
  • $1,000 sublimit for lost deposits (cost to reimburse for a lost deposit if a vendor goes out of business, declares bankruptcy or fails to show up) included for no additional charge
  • Up to three additional insureds including the banquet hall facility owner can be included for no additional charge
  • No deductible
  • Defense Costs are outside policy limits
  • Limits of  $1,000,000/$2,000,000 available

CLAIM EXAMPLES

  • Property Damage: Facility walls were damaged when children smeared chocolate from the chocolate fountain.
  • Property Damage: A guest spilled an entire glasses of red wine on the carpet.
  • General Liability: Five guests became sick from eating spoiled food from an outside caterer. They are seeking coverage for their medical payments.
  • General Liability: The bride’s cousin fell on the dance floor and broke her leg. She is seeking coverage for her medical bills.
  • Liquor Liability: The bartending service hired to serve alcohol at the wedding negligently served alcohol to an intoxicated or underage person.

 

  1. The banquet hall may be held liable for the actions of those selling or serving alcohol at the wedding.
  2. It may cost thousands of dollars in defense costs to prove you are not liable for a liquor liability claim.
  3. You can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.

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Insurance for Daycare / Childcare Facilities and Nursery Schools 4.80/5 (96.00%) 5 votes

Children are the light of our lives, however they can be a hassle when juggling all the other responsibilities in life, such as work.  Many families opt to place their children in childcare, so that they can continue working.

Knowing your children are safe at the childcare is extremely important since there is a lot of trust placed in the employees.  For childcare facilities, childcare insurance protects the business from many damages that may threaten it.  Childcare insurance also includes liability insurance giving an outstanding amount of coverage on all fronts.  Childcare insurance can cover a variety of properties, including daycares and nursery schools.

This insurance coverage can provide a comprehensive product for both commercial and residential Child Care facilities.

ADDITIONAL ADVANTAGES:

  • IN-HOUSE BINDING AUTHORITY – Quick quote turnaround
  • Superior policy issuance
  • Low minimum premium
  • Broadest Coverage
  • Priced to Sell

POLICY FEATURES MAY INCLUDE:

  • Professional Liability for no additional charge
  • Child Molestation and Abuse limits to the General Liability Limit with no Liability Deductible (Commercial)
  • The definition of abuse includes corporal punishment
  • Medical Payments coverage automatically provided for no additional charge for enrolled students
  • Defense Cost Reimbursement coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators or employees
  • Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse coverage (Commercial)
  • Hired and Non-Owned Auto coverage
  • Coverage for facilities with pets and field trips
  • Coverage for extended hour and overnight commercial Child Care facilities and/or “drop in” centers
  • Special Form including Theft and Replacement Cost coverage available
  • Equipment Breakdown coverage including spoilage of perishable items
  • Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money, & Securities, Employee Dishonesty, Accounts Receivable coverage and much more
  • Background checks with preferred pricing

 

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Christmas Tree Lots Need Insurance Too 4.00/5 (80.00%) 4 votes

Christmas tree lots are temporary businesses that can be a very lucrative venture.  When dealing with large trees, there is the potential for injuries to customers and employees.  In addition, since Christmas tree lots are temporary, they are not very secure.

Vendor insurance and concessionaires insurance offers protection from many of the hazards associated with owning and operating a Christmas tree farm.  Liability from property and bodily injury as well as property and employee coverage is all available with this vendor insurance and concessionaires insurance package.

As the holiday season approaches, Christmas tree lots will be popping up everywhere.  This Concessionaires and Vendors product is designed for your Christmas tree lot business with low minimum premiums ranging from $350 to $500.

General liability advantages:

  • Flat rates per lot or tent
  • Products/completed operations coverage provided
  • Additional insured coverage for landlords and permits related to the premises included at no additional charge
  • No liability deductible
  • Christmas Tree Liability – slip and fall, property and bodily injury coverage
  • Tree Coverage – Theft, Vandalism and Fire
  • Employee Coverage – Workers Compensation (This coverage is required by law in most states)

You can also make each risk a complete package by adding inland marine.  The inland marine provides coverage for tents, fences and stock, including the trees themselves, with theft coverage automatically included!

Don’t forget, our Concessionaires and Vendors product is the gift that keeps on giving.  We can also write seasonal mall kiosks for a low general liability minimum premium between $275 and $365.

 

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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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