Boardwalk Insurance Group

Insurance for Tattoo Shops, Body Piercing Professionals, and Beauty Salons

nkaufman — Wed, 22 Feb 2012 22:45:00 +0000

Going to a salon can involve more than just a simple haircut. The many ways a salon can beautify the body is a growing list requiring new ways of training and more supplies. This also increases the risk for the salon because there is more that can go wrong. Tattoo shops and body piercing shops also need insurance to protect them from damages that can result from complications of their work.

Commercial liability insurance for tattoo shops, body piercing professionals, and beauty salons protects individual employees as well as the establishments from the costs associated with a poor job. While professionals in those industries hold those jobs based on qualifications, sometimes mishaps do occur.

Tattoo & Body Piercing Insurance

Body Piercers, Tattoo Artists and Shops
Body Piercing minors:
Limited option to include: ears, nose, navel
Plus option to include: ears, nose, navel, eyebrows, tongue
Apprenticeship programs
Guest artists & piercers
Landlords
$1,000,000 / $3,000,000 Limit Available
Property Coverage (available in most states) can include
contents, business income, flash, glass and sign.

Coverage for business property available

Beauty Salon Insurance

Facials & Peels
Microdermabrasion
Electrolysis Insurance
LED / Microcurrent
Body Wrap Insurance

Massage Insurance
Eyelash Enhancements
Foot Detoxification
Pilates Insurance
Eyebrow Enhancements
Airbrush Tanning
Tanning Salons
Hair & Nail Salons
Hydro Massage
Wax Removal
Sauna & Spas
Yoga Insurance

Coverage options include general & professional liability

Commercial liability insurance is absolutely necessary since a botched product relating to appearance can have many repercussions for the business and employees. To find the best commercial 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 commercial 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance for various lines of businesses and is licensed in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

Restaurant Insurance with Liquor Liability Coverage – From Sports Bars to Fine Dining

nkaufman — Wed, 22 Feb 2012 04:30:31 +0000

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. 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Insuring Those In a Specialty Construction Business

nkaufman — Tue, 21 Feb 2012 04:34:47 +0000

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

Construction insurance provides a necessary level of protection to construction companies and the employees that work for them. To find the best construction insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best construction 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

What You Should Know When It Comes to Insurance for Your Nightclub, Lounge, Bar, or Tavern

nkaufman — Mon, 20 Feb 2012 04:36:58 +0000

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

Insurance for bars provides bars, taverns, nightclubs, and lounges a tailored protection to suit the unique conditions these establishments operate under. To find the best insurance for bars, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best insurance for bars 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Our Inland Marine Products Provide “All Risk” Coverage!

nkaufman — Sat, 18 Feb 2012 16:47:36 +0000

While the term ‘inland marine insurance’ is kind of a misnomer, it is still an important insurance policy to have. Inland marine insurance is a very adaptable and flexible type of policy that can be used in a variety of situations. For the best protection, be sure you have inland marine insurance.

Inland marine insurance is designed to protect property in transit, especially high-value items such as tools and machinery. Inland marine insurance is recommended for business owners, especially ones that travel for work or work with high value items. Since it is such a flexible policy, inland marine insurance can prove invaluable for nearly any business.

Introducing an Inland Marine product that provides “All Risk” coverage.

Reasons for Inland Marine Select Coverage:

Damage by fire caused by mechanical breakdown
Arson of your equipment
Snow or ice damage
Vandalism or malicious mischief
Theft of items from your vehicle’s trunk or place of business
Lightning striking your equipment

Product Features:

Broad appetite for various classes of equipment including; medical, musical, DJ, photography, catering and sport equipment
Competitive rates based on type of equipment
Additional acquired equipment is automatically covered for up to 30 days (up to $10,000 per item)
Equipment leased, loaned or rented from others can be covered
Available on both a blanket and scheduled basis
Transit coverage is automatically included
Additional premium credits available

Limits of Insurance:

$500,000 limit of insurance*
Limit per individual piece of equipment varies by type
$2,500 maximum limit per item for blanketed equipment *$500,000 in Texas coastal areas which is $250,000 excluding wind and hail

Additional Advantages:

Low standard $500 deductible
Affordable $500 minimum premium
Contact within 24 hours of claim by an adjuster
Quick Quote turnaround

Inland marine insurance provides protection from damages to expensive tools and machinery or any property in transit. This kind of coverage makes inland marine insurance an essential part of any business plan. To find the best inland marine insurance clubs, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best inland marine insurance clubs 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Youth Sports Organizations and Little League Teams Should Carry an Insurance Policy

nkaufman — Fri, 17 Feb 2012 22:28:53 +0000

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

Insurance for youth sports provides essential protection to youth sports clubs so that a small incident does not lead to the club’s demise. To find the best insurance for youth sports clubs, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best insurance for youth sports clubs 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Why You Need to Have Insurance on Your Vacant Property

nkaufman — Fri, 17 Feb 2012 03:32:52 +0000

Why You Need to Have Insurance on Your Vacant Property

Your property is empty, no tenants, and you are not using it. You consider dropping the insurance on the property since the policy is so expensive and treats the property like it is occupied. In addition, insuring a vacant property under standard homeowners insurance could be a violation of the terms of the policy.

Regardless of whether a property is occupied or not, insurance is still important to protect your investment in the property. Vacant property insurance protects from many of the same perils as property insurance written for occupied properties without the same costs associated with insurance written for occupied properties. Vacant property insurance protects from fires, storm damage (from wind, hail, and lightning), and damage from vehicles. Optional coverage includes premises liability, vandalism, and other mischief. Vacant property insurance can also be written for short and long-term periods, making it flexible enough that the owner is not paying for unneeded insurance when new tenants sign a lease.

Product Features:

3, 6, 9 or 12 month Policy Term
Package or Monoline
Residential & Commercial
Buildings undergoing repair may be eligible
Special from and replacement Cost is available
No restrictions or Length of Vacancy

Vacant property insurance provides essential protection to properties that owners may think do not need to be insured. To find the best vacant property insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best vacant property 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Insurance for Performing Arts – Non-Profit Groups

nkaufman — Thu, 16 Feb 2012 03:56:55 +0000

Non-profit groups generally fundraise for the majority of their yearly funding. Since funding is not guaranteed, non-profit groups need to think on their feet, and finding insurance is not always the first thing on their minds. Having comprehensive insurance for non-profit groups can pay off by providing protection for the organization from the cost of events that might otherwise shut the non-profit organization down.

This all-in-one insurance for non-profit group package product provides museums, art galleries, theatre companies, comedy/dance/musical troupes, ballets, choirs or orchestras the opportunity to purchase General Liability, Property, Inland Marine, and Directors & Officers/Employments Practices Liability coverage all through one policy.

TARGET ZONE – Our highest hit ratio

New and existing Organizations
No overnight tours/performances
Up to 100 Annual performances
Up to 1,500 attendees per performance
Annual revenue up to $1,000,000
Property Limits up to $1,000,000
No losses, claims or circumstances (excluding closed without payment) in the past three years
Up to 50,000 square feet for Museums and Art Galleries

ADVANTAGES

General Liability
General Liability on an Occurrence form
Mental Anguish and Emotional Distress included in the definition of Bodily Injury
No liability deductible
No premises limitation
Molestation and Abuse sub-limit of $50,000 available at no additional charge
Property on Special Form
Optional Equipment Breakdown Coverage
Optional Value Plus Endorsement (14 additional coverages for one low flat charge)
Optional Inland Marine Coverage (not available for museums or art galleries)
Directors and Officers Employment Practices Liability
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.)
Unlimited defense outside the limits
Lifetime Occurrence Reporting Provision
Third party sexual harassment and third party discrimination coverage
Punitive Damages, where insurable by law, included automatically
Full Prior Acts Coverage
Optional fiduciary liability coverage
Duty to defend

AVAILABLE LIMITS:

Property for protection class 1-8 is $1,000,000
Property for protection class 9-10 is $200,000
Property values up to $500,000 per location for defined Coastal Zones (wind exclusion applies)
General Liability limits up to $1,000,000/2,000,000
Molestation and Abuse sub-limit of $50,000/50,000
Directors and Officers/Employment Practices Liability up to $5,000,000 (the EPL limit may not exceed the D&O limit)

Insurance for non-profit groups provides essential protection to non-profit groups, especially since many groups would not have funding to pay for any damages they may face. To find the best insurance for non-profit groups, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best insurance for non-profit groups 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Insurance for Weddings and Other Special Events

nkaufman — Wed, 15 Feb 2012 04:34:53 +0000

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.

The banquet hall may be held liable for the actions of those selling or serving alcohol at the wedding.
It may cost thousands of dollars in defense costs to prove you are not liable for a liquor liability claim.
You can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.

Special event insurance provides a large amount of protection for facilities that host private events, such as parties, weddings, and other special events. To find the best special event insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best special event 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077

Insurance for Roofing Contractors

nkaufman — Mon, 13 Feb 2012 00:51:07 +0000

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

Insurance for contractors provides protection for contractors in a very dangerous roofing business. To find the best insurance for contractors, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best insurance for contractors 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. Contact them today for an insurance quote.

Boardwalk Insurance Group

www.BoardwalkInsurance.com

Toll Free: 877-595-4077