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

CAT | Workers Comp Insurance

Garage Liability Insurance in Many States 5.00/5 (100.00%) 3 votes

Auto shops are great at repairing and maintaining vehicles, whether there is structural damage or a simple oil change is needed.  Sometimes the work done can be dangerous, especially when employees and customers are not careful.  Garage liability insurance protects auto shops from potential liabilities that employees and customers may claim against them.

Our garage liability insurance can help you place coverage for dealers involved in selling and services of autos, service operations engaged in repairing, towing, servicing, salvaging, and valet parking of autos.  Garage liability insurance is very important for auto shops, or any business that has an auto shop, including some department stores, gas stations, and auto dealerships.

We can provide coverage for:

  • Garage Liability
  • Medical Payments
  • Fire Legal Liability
  • Personal Injury Protection
  • Uninsured Motorist Coverage
  • Dealers Physical Damage
  • Auto Physical Damage for scheduled service units
  • Garage Keepers Legal Liability
  • Packages are also available!

Unique classes of business we can consider include:

  • Antique/Classic Auto dealers
  • Auctions
  • Bus sales and Service
  • Car Wash-Full Service
  • Mobile Mechanics
  • Motorcycle Service
  • Oil and Lube Shops
  • Salvage Yards
  • Truck Tractor Sales and Service
  • Valet Parking Services

If you do not see your business class on this list, contact Boardwalk Insurance Group to see if your profession can be covered.

Garage liability insurance is protect auto shops from many different liability claims that could be brought against them, whether they are from employees or customers.  To find the best garage 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 garage liability insurance available.

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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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Garage Liability, Garage Keepers and Dealers Open Lot Insurance Programs 4.50/5 (90.00%) 2 votes

Auto shops and car dealerships generally have a lot of vehicles on their property.  The vehicles stored there, whether awaiting purchase or repair, are under the protection of the owner of the property.  If damaged or destroyed, the financial responsibility is frequently assigned to the property owner.

Garage liability insurance protects an auto repair business from any damages that occur when the business is open.  Garage liability insurance protects from liability claims made by employees and customers.  Garage keepers insurance protects from damages that occur while the auto shop is closed and protects customers’ vehicles being stored on the property.  Dealers open lot insurance is an insurance policy for auto dealerships, protecting the dealership from the cost of damage to vehicles on the lot.

Target classes

  • New & Used Auto Dealers
  • RV Dealers & Repair
  • Motorcycle Dealers & Repair
  • Gas Stations with Auto Repair & Convenience Stores
  • Auto Body & Paint Shops
  • Auto Stereo & Alarm Installers
  • Full Service Car Washes
  • Harley Davidson Sales & Service
  • Auto Detailers
  • Tire Sales & Installation
  • Trailer Dealers
  • Wholesaler Auto Dealers & Brokers
  • Valet Parking
  • Heavy Truck Dealers & Repair
  • Impound Yards
  • Public Livery Repair
  • Antique Auto Dealers, Repair & Restoration
  • Auto Alarm/Stereo Installation
  • Auto Maintenance & Repair
  • Boat Dealers
  • Boat Repair
  • Golf Cart Dealers & Repair
  • Mobile Auto Repair Service
  • Trailer Hitch Installation & Repair
  • Valet Parking
  • Wrecker Service – for hire including auto for wreckers

Coverages Offered:

  • Garage Liablity Limits up to 1 million
  • Uninsured and Underinsured Motorist Coverage up to 1 million
  • Garagekeepers Limit up to 1 million
  • Legal Liability, Direct Excess and Direct Primary Coverage options
  • Garagekeepers In-Tow Limit up to $50,000
  • Dealers Open Lot Coverage
  • Additional Insured’s and Waiver of Subrogation Endorsements available
  • Broadened Coverage
  • Drive Away Radius Extension – unlimited radius
  • Fire Legal Liability
  • Hired Auto Coverage
  • Medical Payments
  • Personal Injury
  • Dealers Errors & Omissions
  • Scheduled Auto
  • Package with Property & GL Exposures Available
  • Umbrella or Excess



  • Coverage under the Garage Program is available for the installation or repair of airbags.


  • A zero Liability deductible option is available.


  • Available for some classes.

Garage liability insurance and garage keepers insurance are usually paired to provide comprehensive protection to auto repair facilities, and dealer open lot insurance is the best way to protect vehicles at an auto dealership.


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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Insuring Those In a Specialty Construction Business 4.50/5 (90.00%) 4 votes

Construction is a demanding industry.  There are deadlines to meet, quality to ensure, and safety to observe.  Specialty construction jobs can be even more sensitive to the demands of the industry, where the average construction company and their reputation will not suffice.

Construction insurance combines many different insurance coverages into a unique policy for construction companies.  Construction insurance also extends to contractors hired by the construction company to help complete the project in a timely manner.  These construction insurance policies cover a very wide variety of specialty construction companies and offer much flexibility when creating a construction insurance policy.

Owners & Contractors Protective Liability Coverage:

  • Minimum Premium of $2,500
  • Deductibles from $0 to $5,000
  • Limits up to $3MM/$6MM
  • Appetite for Residential, Commercial, Industrial, and Governmental projects
  • 100% Earned Premium on RPL Coverage

Railroad Protective Liability Coverage:

  • Minimum Premium of $1,500
  • No deductible
  • Limits up to $2MM/$6MM
  • 100% Earned Premium on RPL Coverage

Optional GL Coverages Available:

  • Employee Benefits
  • Hired and Non-Owned Auto
  • Limited Electronic Data
  • Limited Pollution

Sample of Construction Operation that can be considered:

  • Alarm Installation, Service and Repair (With Limited Professional Available)
  • Boiler, Inspection, Installation Cleaning or Repair
  • Bridge or Elevated Highway Construction
  • Carpentry
  • Cell Phone Tower Erection, Service and Repair
  • Concrete Construction
  • Conduit Construction for Cables or Wires
  • Demolition Contractors
  • Driveway, Parking Area or Sidewalk – Paving or Repaving
  • Drywall or Wallboard Installation
  • Electrical Apparatus Installation, Service and Repair
  • Electrical Work Within Buildings
  • Excavation and Grading of Land
  • Fire Suppression Systems Installation, Service and Repair (With Limited Professional Available)
  • General Contractors – Commercial and Industrial
  • Heating or Combined Heating and Air Conditioning Systems or Equipment
  • Logging and Lumbering
  • Machinery or Equipment – Installation Servicing or Repair
  • Masonry
  • Metal and Steel Erection
  • Plumbing
  • Roofing
  • Sewer Mains or Connections Construction
  • Solar and Wind Energy Construction
  • Street or Road Construction or Reconstruction
  • Welding or Cutting


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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 Roofing Contractors 4.83/5 (96.67%) 6 votes

After a bad storm, new roofing might be needed to keep the water and wildlife out of your attic, and house.  Roofing can be a dangerous job where a slip could lead to injury or property damage.  Many roofing companies also use contractors to complete jobs.

Insurance for contractors provides an important layer of protection for both the roofing company and the labor.  Installing a new roof on a property can run into a variety of delays and face  many hazards, making insurance for contractors a must.

Boardwalk Insurance Group has in-house binding authority for commercial and residential roofing contractors.  We can write insurance for contractors that range in size from small businesses with less than $1 million annual sales volume, to larger commercial contractors.  Most Roofers perform both residential and commercial roofing work of which can be included in the insurance for contractors.

General Liability

  • $1,000,000 Per Occurrence
  • $2,000,000 Aggregate
  • $1,000,000 Products Aggregate
  • $1,000,000 Fire Damage Legal Liability
  • $5,000 Medical Expense

Special Extensions

  • Blanket Additional Insured
  • Per Job Aggregate
  • Blanket Waiver of Rights
  • Primary and Non Contributory Wording

Submission Requirements

  • ACORD Applications
  • Supplemental Roofing or Contractors Application
  • Loss Runs – 3-5 years currently valued and details of losses over $10,000

Credits Available for:

  • In business 3+ years
  • Loss Free for 3+ years


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Fantastic Deals on Dealers Open Lot Insurance, Garage Liability Insurance and Garage Keepers Insurance Products 4.00/5 (80.00%) 4 votes

Auto repair facilities contain a lot of expensive equipment required for repairing and maintaining vehicles.  In addition, there are many tools and chemicals that when improperly used can cause a significant amount of damage.

Garage keepers insurance and garage liability insurance protects any auto repair facility from the costs of damages that occur while on the property.  With all the vehicles and equipment, the losses could quickly add up.  Dealer open lot coverage also protects auto dealerships.

Boardwalk Insurance Group has a great market for your Auto Garage needs:

  • Target Risks
  • New and Used Car Dealers
  • RV Dealers and Repair
  • Motorcycle Dealers and Repair
  • Auto Service and Repair
  • Auto Detailers
  • New Tire Dealers
  • Wholesaler Auto Dealers and Brokers
  • Valet Parking
  • Heavy Truck Dealers & Repair
  • Impound Yard
  • Mobile Mechanics & Auto Repair
  • Many other classes
  • Available Coverage
  • Garage Liability
  • Dealers Physical Damage
  • Garagekeepers/Garage Liability
  • Dealers Open Lot
  • Garagekeepers In-Tow

Broadened Coverage

  • Driveaway Radius Extension
  • Fire Legal Liability
  • Hired Auto
  • Medical Payments
  • Personal Injury Liability
  • Scheduled Auto Liability
  • Dealers Errors & Omissions
  • Uninsured Motorist

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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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Insurance for Various General and Sub Contractors 4.33/5 (86.67%) 6 votes

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

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)

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