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

CAT | Restaurant Insurance

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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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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Restaurant Insurance with Liquor Liability Coverage – From Sports Bars to Fine Dining 4.40/5 (88.00%) 5 votes

At fine dining restaurants, frequently quality liquor will flow freely as a complement to the dinner.  Fine wines and perfectly aged liquors can make any evening out go even more smoothly.  Restaurants that serve liquor, however face greater scrutiny to ensure that they are only serving to the correct people.

Liquor liability insurance is important to protect businesses from the costs that can be associated with the restaurant when liquor is found to be at fault for an accident.  For restaurants that cater to a clientele that expects a higher quality product, a higher amount of coverage is generally needed.  Liquor liability insurance for fine dining restaurants gives an important line of protection in the event liquor is deemed to cause an accident.

This product is specifically designed to accommodate the coverage and pricing needs for fine dining and white table cloth restaurants. Our Fine Dining eligibility requirements include:

  • Average entree price must be greater than $20
  • Average bottle of wine must be greater than $30
  • Number of bottles on the wine list must exceed 10
  • Incidental Entertainment is acceptable

Coverage Features:

  • Expense costs outside policy limits
  • Assault or Battery coverage available on most risks
  • Automatic coverage for Liquor License holder as additional insured
  • Employees included as insureds at no additional premium
  • No deductible
  • Credits available for responsible establishments with a formal third-party server awareness-training program
  • Landlord & Grantor of Franchise may be named as an additional insured for a nominal additional premium
  • Terrorism coverage included for no additional premium

Depending on the Laws in a State, Fine Dining Establishments can be held liable for actions of intoxicated or underage persons who are served alcohol.

  • Fine Dining Establishments can be put out of business without proper Liquor Liability coverage in place
  • The negligent service to a knowingly intoxicated patron can produce substantial verdicts or settlements
  • Even if an establishment is not found liable, it may cost hundreds of thousands of dollars to defend a claim
  • Underage drinkers make up a significant portion of alcohol-related traffic crashes

Liquor Liability Product Features:

  • Our Fine Dining Product offers our Preferred Restaurant Rates, regardless of the percentage of alcohol to food receipts
  • Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
  • No Deductible
  • Employees automatically covered as an insured on the policy
  • Expanded definition of bodily injury
  • 15% credit per year on liquor liability insurance when your servers are trained. Visit www.liquortraining.com, for more information

Appetizer

The Basic Product features Expense costs inside the limits of liability and an exclusion for Assault or Battery coverage

Main Entrée

Special of the Day

New Competitive Minimum Premiums starting at $500

The Top Shelf Product provides coverage for Expense costs outside the limits of liability, Assault or Battery coverage (included or optional), and includes the Liquor License Holder automatically included as an additional insured

Liquor liability insurance is absolutely necessary since an accident attributed to liquor can be very costly for both the person who causes it and the party that supplied the liquor.

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What You Should Know When It Comes to Insurance for Your Nightclub, Lounge, Bar, or Tavern 4.80/5 (96.00%) 5 votes

Whether you prefer the nightlife at a trendy club blasting the latest hits or a more intimate, calm spot, your favorite bar or club is always a stop for a night on the town.  Nightly, clubs face many potential hazards, including unruly patrons potentially harming other guests and property.

Insurance for bars includes a wide variety of coverage tailored to the unique needs of a bar, nightclub, lounge or tavern.  One of the most hazardous claims against these establishments involve the sale of liquor, whether to minors or overly intoxicated guests, and insurance for bars includes liability protection that can be very beneficial in the event an incident occurs.

Coverage Features:

  • General Liability that expands the definition of Bodily Injury to include mental anguish or emotional distress with no deductible
  • Liquor liability coverage available
  • Replacement Cost coverage available
  • Special Cause of Loss available
  • Loss of Income coverage including Loss of Rents
  • Equipment Breakdown Coverage including $25,000 food spoilage sublimit
  • Value Plus Endorsement is available on accounts eligible for Special form offering 15 valuable coverage enhancements including; Water Back-up, Money & Securities, Employee Dishonesty, Signs, Electronic Data, transit and more
  • Hostile Fire Exception to Pollution Exclusion
  • Defense costs to provide outside the limit of liability
  • Availability of Hired/Non-Owned Auto Liability coverage
  • Dance Floor and/or light entertainment acceptable
  • Improvements and Betterments coverage available
  • Sprinkler leakage coverage available
  • Theft coverage available

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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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Commercial Insurance with Same Day Quoting 4.40/5 (88.00%) 5 votes

Commercial insurance is crucial for any business.  The protection it affords can save a business from financial ruin due to any number of potential hazards.  Commercial insurance policies include both property and liability coverage.

Commercial insurance can be written to protect a variety of properties and situations.  Having protection through commercial insurance is important since it takes the financial obligation off of the business in the event of property damage, destruction, or a liability issue.  Commerical insurance offers a wide range of coverage for a wide range of premiums.

MULTI-LINE PRODUCT

•             1-4 Family Dwelling

•             Apartments

•             Artisans (12 classes)

•             Beauty/Nail Salon

•             Clothing Store

•             Consessionaires

•             Convenience Stores/Delicatessens/Grocery

•             Child Care – Commercial

•             Child Care – Residential

•             Electronic Store

•             Fitness Centers

•             Janitorial Services

•             Land Leased to Others

•             Laundromats

•             Lessor’s Risk Only

•             Liquor Stores

•             Main Street Mercantile

•             Mobile Home Parks

•             Office Product

•             Residential Condominium Unit Owners

•             Restaurants

•             Specialty Training Schools

•             Truckers

•             Vacant Building

•             Vacant Land

NON-PROFIT PRODUCTS

•             Community Associations

•             Condo Mini

•             Storefront Churches

SPECIAL EVENT PRODUCTS

•             Wedding Plus

•             The Long Shot – Hole in One

UMBRELLA/EXCESS PRODUCTS

Cheap Insurance for Small Businesses 4.00/5 (80.00%) 1 vote

Small businesses make up a very large part of the economy, however even the most successful small businesses will choose not to expand for many different reasons.  Small businesses have a unique charm and character that disappears as they become larger and larger.

One of the identifying features of a small business is just that: its size.  So why should a small business pay for business liability insurance and business property insurance like the big guys do?  Small business insurance caters to businesses that do not need or cannot afford insurance that the big businesses hold.  Included in most small business insurance policies are both liability and property coverage tailored for small businesses and not watered down versions of big business insurance policies.

This product is specifically designed to accommodate the coverage and pricing needs of a wide variety of mercantile risks.

 

PRODUCT FEATURES:

Coverage available as:

  • Businessowners Form (If eligible)
  • Package
  • Monoline Liability
  • Monoline Property

Broad Eligibility Requirements

  • Over 75 Classes selected for preferred treatment
  • Up to $3,000,000 in annual sales
  • New ventures eligible

 

Low Minimum Premiums

 

LIABILITY FEATURES:

  • Limits available up to: $1,000,000 occurrence/$2,000,000 aggregate
  • Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Stress
  • No Liability Deductible
  • Pollution Exclusion has Hostile Fire Exception
  • Hired and Non-Owned Auto Liability Coverage available
  • Commercial Excess General Liability, Umbrella available up to $5,000,000

 

PROPERTY FEATURES:

  • Broad Property Coverage using ISO’s April ’02 coverage form
  • Equipment Breakdown – Includes free boiler inspections if required in your jurisdiction
  • Value Plus Endorsement available providing 15 coverage extensions and enhancements
  • Special Cause of Loss and Replacement Cost available

 

Up to $3,000,000 in Property limits, $500,000 in all Coastal areas

 

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Hello to Alabama Residents and Business Owners. Your Insurance Agent Has Arrived! 4.00/5 (80.00%) 3 votes

To all residents and business owners in the great state of Alabama, Boardwalk Insurance Group is proud to announce that we are now licensed in your state in order to serve you with better insurance products and services.  Our agency is licensed in over 25 states and we’ve been helping people all across the country not only save money on their insurance needs, but we’ve also provided them with better coverages to adequately protect them from financial loss.

We’ve seen a growing interest from your state in the recent months so management made the decision to take the leap to get licensed in Alabama for both personal lines and commercial property and casualty insurance products.

So if you are looking for auto insurance, home insurance, rental property insurance, commercial general liability insurance, commercial property insurance or virtually any other kind of insurance product for business owners, we are you go-to insurance agency.

We specialize in many products through our large network of insurance companies and brokers.  If your rates have recently increased or you are having a tough time getting the coverages your business requires, contact us and let us show you the Boardwalk difference.  Our agents and customer service representatives are friendly and knowledgeable and we use state-of-the-art technology to shop for your coverage quote and manage you as a client.

So, thanks in advance to the great residents of Alabama.  We hope to become a leading provider of insurance in your state in the coming months and years.

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Business Owners Insurance aka BOP Policies 3.50/5 (70.00%) 2 votes

If you are the owner of a small business, you more than likely need to carry some form of insurance.  Your landlord will want you to carry commercial general liability coverage to protect their investment and you will want to cover your business assets and contents in case of fire or theft.  Insurance for small business owners can be affordable if placed with the right insurance company.

Boardwalk Insurance Group has a variety of insurance plans designed for small business owners.  We have specialty programs for the following types of businesses:

•    Ice cream stores and shops
•    Dry cleaners
•    Mailbox and postal shops
•    Restaurants, cafes, coffee shops and food delivery businesses
•    Convenience stores
•    Shoe stores
•    Clothing stores
•    Electronics shops
•    Appliance sales and repair
•    Mechanics, auto detailers, auto dealers, and car service shops
•    Gas stations
•    Barber shops, nail salons, waxing boutiques
•    Flower shops
•    Pharmacy
•    Limo drivers and companies
•    Delivery companies and couriers
•    Shuttle services
•    And many more

Typical Product Features:
•    Business owners Form (If eligible)
•    Package
•    Monoline Liability
•    Monoline Property

Broad Eligibility Requirements
•    Over 75 Classes selected for preferred treatment
•    Up to $3,000,000 in annual sales
•    New ventures eligible
•    Low Minimum Premiums

Liability Features:
•    Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
•    Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
•    No Liability Deductible
•    Pollution Exclusion has Hostile Fire Exception
•    Hired and Non-Owned Auto Liability Coverage available
•    Commercial Excess General Liability, Umbrella available up to $5,000,000

Property Features:
•    Broad Property Coverage using ISO’s April ’02 coverage form
•    Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
•    Value Plus Endorsement available providing 15 coverage extensions and enhancements
•    Special Cause of Loss and Replacement Cost available
•    Up to $3,000,000 in Property limits, $500,000 in all Coastal Areas

Restaurant Insurance with Liquor Liability Coverage 5.00/5 (100.00%) 2 votes

Do you own a restaurant?  Do you serve alcohol?  If so, you are required to carry a general liability insurance policy along with liquor liability insurance coverage.  Boardwalk Insurance Group, through it’s various brokers and carriers, has a plethora of programs available for all restaurants, cafes, etc.  Whether you are a casual diner or a 5 star restaurant, we have the right product for you.

Eligible Risks Can Include:
•    New Ventures
•    Dancing
•    Entertainment
•    Bouncers
•    Nightclubs
•    Adult Entertainment
•    Prior claims and/or violations

Coverage and Product Features:
•    General Liability coverage
•    Liquor Liability coverage
•    Property coverage
•    Equipment Breakdown coverage, which includes a $250,000 sublimit for food spoilage
•    Crime coverage
•    Employment Practices Liability
•    No liability deductible
•    Assault or Battery coverage is available on most risks for Liquor Liability
•    Excess limits available for General Liability
•    Non owned and hired auto coverage available if no delivery
•    Value Plus endorsement is available on accounts eligible for Special Form. The endorsement offers 13 valuable coverage enhancements including: Money & Securities, Employee Dishonesty, Signs, Water Back-up and more
•    No inspection or issuance fees

Limits of Insurance:
General Liability limits up to:
•    $1,000,000 each Occurrence/$2,000,000 Aggregate
Liquor Liability limits up to:
•    $1,000,000 each Occurrence/$2,000,000 Aggregate
Property limits up to:
•    $1,500,000 maximum property value in protection class 1-8
•    $250,000 maximum property value in protection class 1-9
•    $500,000 maximum property value per location in coastal zones (wind exclusion applies on building coverage)

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