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

CAT | Storage Tank Liability Insurance

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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Pollution Liability for Contractors 4.00/5 (80.00%) 2 votes

If you own or work for a company that handles contract work in polluted areas, pollution liability insurance is a must.  Protecting you and you workers is imperative, and the pollution liability insurance covers many different contractors and many different situations.

While contractor jobs and situations vary, this pollution liability insurance helps protect contract workers in the event of an accident when pollutants are involved.  Independent insurance agencies are best when it comes to pollution liability insurance policies.  They have access to many different insurance companies and brokers, allowing them to shop around on behalf of their customer.  Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance products.  Boardwalk has several locations and is licensed in over half the United States.  Turnaround for most policies is less than 24 hours.

Policy Highlights

•     Occurrence or Claims Made Form

•     Nose Coverage and Prior Acts Available

•     Annual & Per Project Policies

•     Can add Transportation Pollution Liability for any/all of the Contractors Vehicles

•     Can add Site Pollution Liability for any/all Contractors Premises/Yard

•     Standard Limits:

•     Base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate is available. (lower limits also available).

•     Limits up to $6,000,000 are readily available on both an annual or per job basis.

•     Minimum Deductible: Deductibles start at $2,500 per occurrence

•     Minimum Premium: Starting at $2,000 for Occurrence Form Coverage

•     Note: Some classifications require higher minimum premiums.

•     Mold Coverage: Claims Made Form ONLY

•     Minimum premiums vary due to Location and Classification

•     Application Requirements:

•     Indications are usually available upon receipt and review of other companies’ complete submissions.

•     Oftentimes, we are able to bind the risk with other companies’ completed applications.

Contracting:

•     Above Ground Storage Tank

•     Build Back/Restoration

•     Carpentry/Framing

•     Carpet/Upholstery Cleaning

•     Concrete (Foundation)

•     Concrete (Other)

•     Construction (Residential)

•     Construction (Comm./Ind.)

•     Debris Removal

•     Demolition (Interior)

•     Demolition (Exterior)

•     Dredging

•     Drywall/Wallboard

•     Drillers (not oil & gas)

•     Electrical

•     Emergency Response – Fire

•     Emergency Response – Sewage

•     Emergency Response – Water

•     Excavation

•     Flooring

•     Furniture Moving

•     Grading of Land

•     HVAC

•     Industrial Maintenance

•     Insulations/Fire Proofing

•     Landscaping

•     Masonry

•     Mechanical Construction

•     Metal Erection

•     Mold Abatement

•     Painting (Interior)

•     Painting (Exterior)

•     Pile Driving

•     Plumbing

•     Refrigeration

•     Roofing (Hot tar)

•     Roofing (all other)

•     Salvage Operations

•     Sewer Main Construction

•     Street Road Contracting

•     Tank & Pipe Cleaning

•     UST (Removal)

•     Waste Water

•     Water Extraction

•     Water Main Construction

•     Welding

 

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Storage Tank Pollution Liability Insurance Quotes 4.67/5 (93.33%) 3 votes

If you or your business have either above ground and/or underground storage tanks on your property, you are required to carry a storage tank pollution liability insurance policy.

Luckily for you, insurance for the various types of storage tanks are pretty standard, making it easy for insurance agents to quote them.  Some insurance companies or insurance brokers even offer online quotes for agents to provide to their customers.  Although the coverages for storage tank pollution liability insurance may be cookie-cutter, the pricing (also known as premium) and deductibles most definitely are not.

Independent insurance agents are the best when it comes to storage tank pollution liability insurance products.  They have access to a variety of insurance companies and insurance brokers, allowing them to shop on behalf of the customer.  Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance products.  The agency has several locations and is licensed in over 25 states in the US.  Their process to quote storage tank liability insurance is simple and fast.  Turnaround time for most is less than 24 hours.

Here are some product highlights:
•    $350 minimum premium
•    Limits available from $500,000 to $5,000,000 per incident
•    Coverage for third-party bodily injury and property damage claims resulting from pollution conditions from scheduled tanks
•    Provides coverage for corrective action due to releases from tanks
•    Policy/Certificate satisfies federal requirements for financial responsibility if needed
•    UST policies are issued with standard insurance companies
•    AST and AST/UST policies are issued with surplus lines insurance companies

Our Typical Client Profile
•    Commercial / Industrial Facilities
•    Schools, Colleges, Universities
•    Gas Stations
•    Retail Stores including Convenience / Grocery Stores
•    Auto Dealerships
•    Municipalities
•    Airports
•    Hospitals
•    Manufacturing Plants
•    Oil and Lube Shops
•    Mechanics Garages
•    Auto Body Shops

Restrictions
•    USTs installed prior to 1975 and coverage with capacities greater than 49,999 gallons are ineligible for quick quotes. However we do have other options that for these types of tanks.

If you require a quote on a storage tank liability insurance product, contact us today. Our friendly and knowledgeable representatives are standing by to assist you.

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