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

CAT | Special Event Liability Insurance

Boardwalk Insurance Group Protects Your Boat 4.50/5 (90.00%) 6 votes

Whether you own a small sailboat, a pleasure yacht, a fishing fleet, or Panamax cargo ships, marine insurance is extremely necessary to protect your craft, and potentially your business.  Just like the boats and ships on the water, marine insurance comes in many shapes and sizes and can be customized to fit just about any waterborne craft.

Personal boat insurance is going to be the most basic marine insurance policy and could be required if you take out a loan to purchase the boat.  Boat insurance can cover anything from a small jet ski up to a large luxury yacht.  The exact scope and amount of coverage depends on the owner of the craft and what they want to insure.  For something as simple as a jet ski, there generally is not much property to insure, so other than liability coverage for the operator and the jet ski itself, the marine insurance policy is quite simple.  For something larger, even a small motorboat, generally there are small electronics used for navigation and sometimes personal property, such as fishing poles, so the marine insurance policy would need riders to cover that.  On luxury craft, everything from the galley appliances to the artwork in the cabins can be covered, so comprehensive marine insurance can be written.  Boat insurance generally covers fires, sinking, fuel spills, and grounding, and dock liability riders can be added for extra protection from liability and damage done at a dock or marina.

Marine insurance for ships of commerce can get more complicated.  Anything from a small motorboat used for fishing tours to the latest super tankers can be covered under commercial marine insurance.  The difference is that commercial ships have certain extras that need coverage that personal craft do not.  Commercial marine insurance needs to address cargo and crew coverage in addition to hull coverage.  Damaged cargo is probably one of the most frequent liability situations faced by ship owners.  Marine insurance policies can provide coverage toward the value of the goods damaged in shipment.  Similar to personal marine insurance policies, commercial marine insurance policies provide coverage from much of the same hazards on the water, including fires, sinking, fuel spills, and grounding.  Commercial marine insurance can help offset the cost of salvaging the boat or ship in the event something renders it inoperable.

Marine insurance is important for anyone who owns and operates a boat or ship.  There are many hazards on the water and even a small error can have severe consequences.  Marine insurance affords boat and ship owners peace of mind and keeps them from being left on the hook for a large bill if unfortunate events occur.  Shopping for marine insurance and finding the best insurance policy for your boat or ship can be a hassle, but using an independent insurance agent can save you time and money.  Independent insurance agents are partnered with many insurance providers and can do the hard work for you while finding the best marine insurance policy for your boat or ship.

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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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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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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 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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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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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

Seasonal Lot and Seasonal Business Insurance 5.00/5 (100.00%) 2 votes

Seasonal businesses come and go.  Many spring up shortly before a holiday guaranteed to generate big business and shut down right after.  There is no need for them to pay for an entire year of insurance for sometimes only a handful of days of work per year.

Seasonal lot insurance and seasonal business insurance are policies for special, short term businesses.  Some of the most prevalent are the many fireworks stands that pop up the week before New Year’s Day and Independence Day.  Seasonal lot insurance and seasonal business insurance have much of the same coverage and protections as other business insurance policies, however they have features that are designed to accommodate the pricing and coverage needs of these seasonal operations.

Seasonal lot owners are now facing strict requirements by local municipalities, property managers and landlords to show proof of liability insurance for their operations.  A number of general liability loss exposures result from seasonal lot operations that lot owners must be made aware of.   Boardwalk Insurance Group offers our agents the capability of getting a monoline general liability coverage quote quickly on our website at www.boardwalkinsurance.com or over the phone. This is the perfect solution for seasonal lot owners who are looking for coverage to protect their businesses, while also satisfying requirements to show proof of liability insurance.

 

Our product offers several advantages that help make our quotes an easy sale. These advantages include:

•     Primary General Liability limits up to $2,000,000/$3,000,000

•     Blanket Additional Insured included automatically which means there is no charge to add an Additional insured when it is required by a written contract

•     A competitive package quote by providing property coverage in an Inland Marine from which includes theft for no additional premium

•     Competitive and easy to use pricing (flat charge per stand)

•     No liability deductible

•     Hired and non-owned auto liability coverage available

With insured’s facing frequent loss exposures from damage to and theft of their products, a package policy offering general liability and inland marine coverage provides the solution to the numerous insurance needs of a seasonal lot owner.

The need for liability insurance is imperative for any business, even seasonal ones.  That is what makes these seasonal lot insurance and seasonal business insurance policies very attractive to all parties relating to a seasonal business.

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Liability and Event Insurance for Fraternities, Sororities, Fraternal Clubs, and Private Club Members 4.50/5 (90.00%) 2 votes

If you are an executive for a fraternity, sorority, fraternal club, or private club, it is important that your organization hold liability and event insurance to protect your organization’s future, as well as its members and guests.

Product Advantages

Package

•     Expanded definition of Bodily Injury to include Mental Anguish or Emotional Distress

•     Club members included as Additional Insureds

•     Fundraisers and certain special events included at no additional cost

•     Assault and Battery available on most risks

•     Hired and Non-owned Auto Liability Coverage available

•     Optional value Plus Endorsement

•     Optional Equipment Breakdown-includes free boiler inspection if required in your jurisdiction

•     No designated premises limitation

Liquor Liability

Insured has the option of either Basic or Top Shelf coverage

•     Basic Form features Defense costs inside the limits of liability and an exclusion for Assault or Battery coverage

•     Top Shelf provides coverage for Defense costs outside the limits of liability, may provide coverage for Assault or Battery and includes automatic coverage for the Liquor License holder as an additional insured

•     Club members included as Additional Insureds

•     Assault & Battery coverage available on most accounts

•     Credits available for responsible clubs with a formal third party server awareness training program

Directors and Officers

•     Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis.)

•     Full Prior Acts Coverage

•     Unlimited defense outside the limits

•     Unlimited Extended Reporting Period for former Directors & Officers

•     Punitive Damages, where insurable by law, included automatically

•     Optional fiduciary liability coverage

•     Automatically includes third party discrimination and harassment

•     Free Human Resources Hotline with unlimited number of calls and no time limits (when EPL is purchased)

Liquor Liability

•     Risks serving alcohol past the legally allowable time or “after hour” establishments

•     Risks with the following exposures: risks that allow “Bring Your Own Bottle,” risks that serve liquor in dry county or township, risks that allow same day membership, risks that allow members to bring more than two guests per day, and for social or private clubs

•     Risks located in AL, AK, IL, IA, LA, MS, OR, RI or WV

Directors and Officers

•     Risks that sponsor or administer any insurance programs

•     Risks involved in any labor/union negotiations or collective bargaining

•     Risks located in AK or LA

Available Limits

Package

•     Maximum Liability Limit $1,000,000/$2,000,000

•     Maximum Property value of $3,000,000 for organizations without cooking (protection class 1-8)

•     Maximum Property Value of $1,500,000 for organizations with cooking (protection class 1-8)

•     Maximum Property value of $250,000 for organizations in protection class 9-10

•     Maximum Property value of $500,000 per location for Coastal Zone accounts (wind exclusion applies)

•     Maximum Property value of $200,000 for seasonal risks

Liquor Liability

•     Up to $1,000,000 each common cause/$200,000 aggregate

Directors and Officers

•     Up to $5,000,000 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)

Submission Requirements

•     Non Profit Fraternal Club Application (NPP CLUB) or equivalent

•     Representation of incurred loss/claim history for the past five years

If you are involved with a fraternity, sorority, fraternal club, or other private club and would like to ensure the organization holds adequate insurance coverage while saving money, you should contact a representative at Boardwalk Insurance Group.  This independent agency will take time to understand how your organization works and will customize a liability and event insurance policy that meets the needs of your organization while exceeding expectations.

 

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