Contractors and sub-contractors can make up large parts of personnel on projects.  Typically, companies working on large projects use contractors and sub-contractors to make up for the fact that they cannot do all of the work themselves.

Contractors need to have protection because the work they do is labor intensive and mistakes can have disastrous results.  This insurance for contractors covers a wide variety of contractor classes and has very good liability coverage, ensuring the contractors are protected from the costs of a loss or liability.

We have an in-housing binding authority for most Contractor Classes of business including but not limited to the following:

• Masonry
• Roofing – Commercial & Residential
• Grading of Land
• Plumbing – Commercial & Residential
• Excavation
• Plastering – Stucco
• Painting
• Drywall
• Carpentry
• General Contractors – Commercial & Residential
• Concrete Construction
• Swimming Pool – Below Ground
• Debris Removal
• MANY OTHER CLASSES

General Liability

• $1,000,000 Per Occurrence
• $2,000,000 Aggregate
• $2,000,000 Products Aggregate
• $100,000 Fire Damage Legal Liability
• $5,000 Medical Expense
• $2,500 Minimum Property Damage Deductible, Per Occurrence

Special Extensions

• Blanket Additional Insured
• Per Job Aggregate
• Blanket Waiver of Rights
• No Classification Limitation Endorsement
• Primary & Non-Contributory Wording
• Additional credits available for in business 3 years with no losses

Submission Requirements

• ACORD Applications
• Supplemental Contractors Application
• Loss Runs – 3 to 5 years currently valued and details of losses over $10,000 (to bind)

insurance for contractors

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

commercial insurance

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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Boardwalk Insurance Group, through it’s various carriers and brokers, has some summer specials for the following types of businesses or insurance types:

Building Renovation Insurance and Builder’s Risk Coverage
•    No restriction of length of vacancy
•    3, 6, 9 or 12 month terms available
•    Term extensions by simple endorsement
•    Replacement Cost & Special Perils available for buildings less than 25 years old

Child Care or Daycare Insurance
•    Wide variety of centers including residential homes, Montessori school, drop in centers, and many more …
•    Professional Liability included for no additional charge
•    Medical Payments coverage (including children enrolled in their care) is included
•    One of the broadest Molestation & Abuse forms in the industry
•    Defense Cost Reimbursement is available for accused insured once they have been acquitted or charges have been dropped

Commercial Umbrella and Excess Insurance
•    Over 700 quotable classes of business
•    Can quote over B++ or better rated carriers
•    Many quotes have an unsolicited Umbrella or Excess quote attached
•    Minimum Premiums as low as $400 for Excess and $500 for Umbrella

Concessionaire and Vendors Insurance
•    Variety of quotable classes including Hot Dog Vendors, News Stands, Mall Kiosks, Christmas Tree Lots, Flea Market/Fair Show vendors
•    New Ventures
•    Premium as low as $275
•    Inland Marine coverage for Stands and Miscellaneous items

Special Event Liability Insurance
•    Event types include: Beer Garden/Tents, Competitions or Shows, Concerts, Fundraisers, and Sporting Events
•    Up to 10,000 attendees
•    Set-up and take-down coverage available
•    Rain date coverage available

Insurance for Training Schools
•    Over 30 quotable Classes
•    Professional Liability automatically included on most classes
•    Molestation and Abuse available for many classes
•    Up to $3,000,000 in annual receipts
•    3, 6 , 9 or 12 month terms and short term extensions available

Truckers General Liability Insurance
•    New Ventures are eligible
•    Ability to offer Blanket Additional Insured
•    Up to 20 units
•    Rated on number of Power Units
•    Non-auditable policy

Vacant Building Insurance Coverage
•    No restriction on length of vacancy
•    3, 6, 9, or 12 month terms and short term extensions available
•    Replacement Cost & Special Perils available for building less than 25 years old

Insurance on Vacant Land
•    Up to 1,000 acres per location
•    Urban, suburban, or rural exposures
•    Lakes and ponds on property are eligible
•    Fencing of property not a requirement
•    Land waiting to be developed in the future is eligible
•    3, 6, 9, or 12 month terms and short term extension available

Liability Insurance for the Office
•    New Ventures
•    Available on Business Owners coverage form
•    Up to 25,000 square feet
•    Automatically included $25,000 for Electronic Date Coverage
•    Professional Liability sublimit of $25,000 automatically included on most classes

We have the products and know how to help our clients with all of their insurance needs.

special event insurance

Looking for a truckers property and liability insurance coverage?  One of our agents from Boardwalk insurance agency can help you find your insurance company!

Truckers are required to maintain General Liability insurance coverage by their landlords as well as by the companies they haul for.  This coverage fills the gap between their automobile liability insurance and garage liability insurance.  Trucking companies often incur the following types of claims:

Sued for negligent hiring
Visitors on their premises who slip/trip and fall
A fire on their premises may damage property

At Boardwalk Insurance Group, our Truckers Insurance programs include the following:
Coverage Features:

No deductible on General Liability policy or policies
Blanket additional insured coverage
Additional insured coverage for United Intermodal Interchange Association (UIA)
Waiver of subrogation
No audits on payroll
General Liability insurance rated on number of units

Liability Features

$1,000,000 (one million dollar) general liability limit with $2,000,000 (two million dollar) general liability aggregate limit
No liability deductible
Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
Non-auditable policies

Property Features

Property coverage using ISO’s broad April 2002 coverage form
Equipment breakdown including free boiler inspection if required
Special Cause of Loss and Replacement Cost coverage
Older buildings acceptable (with a Functional Building Evaluation endorsement)
Property limits up to $3,000,000

liability insurance · Truckers Property and Liability Insurance Coverage agent