What is inland marine insurance coverage? 

We are asked this question often.  Inland marine insurance is usually a "line" of coverage added on to a policy or sometimes purchased as a stand-alone policy.  Generally speaking, it covers goods in transit or projects under construction.  Although it’s generally a type of property insurance, some classes within inland marine only provide liability coverage.  It is derived from marine insurance, which covers items, whether in transit or not, while on water.  Once it gets to land, that coverage ends and inland marine picks up from there.

Typically, the following types of businesses require some form of inland marine insurance coverage:
Ambulance Equipment
Amusement Rides
ATM Machines
Band Uniforms
Catering Equipment
Mobile Concession Stands
DJ Equipment
Exhibition Property
Go Karts
Golf Carts
Janitorial Equipment
Laundry Equipment
Medical Equipment
Mortician’s Equipment
Musical Instruments
Photography Equipment
Pool Cleaning Equipment
Radio or TV Studio Equipment
Recording Studio Equipment
Rock Climbing Wall
Scientific Instruments
Sports Equipment
Theater Property
Vending – Candy/Snacks
Vending – Stamps
Vending – Videos
Videographer Equipment

As you can see above, all of these businesses are moving on a regular basis.

If you are in need of a quote on a class of inland marine insurance, contact Boardwalk Insurance Group, an independent insurance agency specializing in all types of commercial insurance products for consumers in 25 states. 

Inland Marine Product Highlights:
•    Discounts if in business with no losses for a minimum of three years
•    Discounts if items are brought back to owners place of business each day
•    Discounts if the business has a central station alarm
•    Discounts if all items are fives years or newer in terms of age
•    $500,000 limit of insurance
•    Limit per individual piece of equipment varies by type
•    $2,500 maximum limit on blanketed equipment

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.

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Whether you are a general contractor, a sub contractor or something in between, you need to maintain a proper commercial insurance policy at all times.  The cost of your insurance coverage is dependent on several factors, but most importantly, your projected annual gross receipts.  In terms of insurance, this makes sense because the more money your business makes, the higher the chances of a loss.

At Boardwalk Insurance Group, we offer commercial general liability insurance for all types of contractors.  We also have specialty programs for contractors who are in the following types of businesses:

•    General Contractors
•    Plumbing
•    Roofing
•    Air Conditioning / Heating
•    Artisan Contractors
•    Carpentry
•    Electrical Wiring
•    Masonry
•    Door Installation
•    Painting / Paperhanging
•    Concrete / Cement Driveways & Curbs
•    Parking Lot Striping
•    Carpet / Tile / Marble Installation
•    Debris Removal
•    Drywall
•    Excavation
•    Grading of Land
•    Insulation Work
•    Plastering & Stucco
•    Siding Installation
•    Street Paving
•    Telephone Line Construction

Specialty programs designed for specific types of contractors allow you to save money while providing you with better coverages and more bells and whistles included within your policy.

When you work with a commercial insurance broker like Boardwalk Insurance Group, you can count on getting the best deal for all your insurance needs because we work with a network of insurance companies.  This allows us to shop on your behalf and provide you with several options, not just one "take it or leave it" quote.

If you are a contractor looking for better insurance coverage and less money out of your pocket, contact us today for your free quote.  Our trained professionals are standing by to assist you.

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.

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Boardwalk Insurance Group has invested heavily in the use of cutting-edge technologies to make life easier not only for our employees, but also for our valuable clients.  From the growing number threats by malicious hackers in the news almost daily, we felt it was necessary to do our part to assure that our website is safe, protecting company and client information.

Therefore, we have introduced the use of a SSL (Secure Sockets Layer) certificate in wild card form on our website.  According to GoDaddy.com, an SSL certificate is “a digital certificate that authenticates the identity of a website and encrypts information sent to the server using SSL technology. Encryption is the process of scrambling data into an undecipherable format that can only be returned to a readable format with the proper decryption key.  A certificate serves as an electronic "passport" that establishes an online entity’s credentials when doing business on the Web. When an Internet user attempts to send confidential information to a Web server, the user’s browser accesses the server’s digital certificate and establishes a secure connection.”

Since our website uses multiple sub-domains for our various locations and features, we could not use a regular SSL certificate.  We had to go with the “wild card” option which allows an unlimited number of sub-domains to be included within the SSL certificate.  This assures that our entire website is secure, not just our main pages.

We want our customers to have trust in that our website is secure and that their information will be transmitted and managed responsibly and heavily encrypted in the event that it falls into the wrong hands.

Insurance agents handle very private information on their clients.  It’s imperative that they take measures to keep this information secure.  Whether you are a client of our independent insurance agency or not, make sure your agent utilizes an SSL certificate on their website and has other measures in place to secure your personal information in their agency management system, office filing cabinets, etc.

Never fill out a form on a website that is not secure.  Contact information is okay, but if you have to provide personal information, such as you do to obtain an insurance quote, be sure to find out if the website is secure.  How can you tell if a website is secure? The first option is to look at the address bar where the URL is.  If it’s different color than what is usually is, then that means they are using some security measures.  The other way is to look for a little padlock icon somewhere in your browser window (usually towards the bottom right of your screen).

Also, most “secure” websites utilize 1024-bit encryption.  In 2011, this encryption is not enough.  2048-bit encryption is the way to go now and provides the highest level of security available today.  If you are looking to add an SSL certificate to your site, the vendor you use matters.  Make sure they are a member of the “Certificate Authority Browser Forum,” an organization which upholds to the most strict standards.

We purchased our SSL certificate from the fine people at GoDaddy.com.  They listened to our concerns and suggested the options that would work best for us, while also saving us money as opposed to some of their competitors.

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance.  Our agency is licensed to sell our products to clients in 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.

If you or someone you know is looking for a reputable insurance agency, contact us today.  We represent hundreds of insurance companies and strive to provide our customers with not only better coverages, but also better pricing.  Quotes are absolutely free so give us a chance to show you the Boardwalk difference!

Boardwalk Insurance Group
www.BoardwalkInsurance.com
Toll Free: 877-595-4077

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If you are an insurance agent or own an insurance agency, you are required to carry Errors and Omissions Insurance Coverage by your state licensing authority as well as most insurance companies and MGAs/Brokers you work with. 

Whether you are new in business or an established agency, we have a special program available specifically for insurance agents E&O insurance coverage.

Highlights:

• $1,000,000/$2,000,000 minimum coverage (can be increased to up to $5,000,000)
• Retroactive coverage available
• Single agent to hundreds of agents accepted
• Specialty agencies ok
• Startup agencies ok
• Quotes in as little as 24 hours
• Simple application process
• Minimum premium only $1,250!

In this market, it’s important to shop around for your own insurance needs just like you do for your clients.  This is the only way to make sure you are getting the best bang for your buck. 

If you have any questions regarding our insurance agent e&o program, please contact us.

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: 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.

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Are you looking for cheap apartment renters insurance?  Many apartment complexes require tenants to carry apartment renters insurance these days and won’t let you move in until proof of this coverage is provided by your insurance agent or insurance agency.

The good news is that this insurance is relatively inexpensive.  Most insurance companies who provide this coverage price it between $50 and $150 per year.  The variation in cost is based on the liability limit selected and the amount of contents coverage the customer wants.

The liability coverage protects you when claims come in from third parties.  These include guests who come to visit you.  The contents coverage, also referred to as personal property, covers your furniture and fixtures inside your apartment.

Some apartment complexes do not require tenants to maintain this coverage and others only require this coverage if, for example, you intend to put up a satellite dish.  We get a lot of questions as to what a satellite dish has to do with apartment renters insurance.  The answer is that if the dish was improperly installed and happens to fall off the building and land on someone or something, the apartment complex owners could get sued.  If the tenant carried an apartment renters insurance policy, then the tenant’s insurance company would defend the claim and the property owners would be off the hook.

The amount of liability coverage can vary from as little as $25,000 up to $1,000,000.  The contents coverage generally starts at $10,000 and goes up to $50,000.

A general renter’s policy is also available for those who rent homes and mobile homes from landlords.  The limits of coverage and rates are similar to apartment renter’s insurance policies.

If you are live in Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington or Wisconsin, and are looking to purchase a cheap apartment renters insurance policy, contact Boardwalk Insurance Group to get a free, no obligation quote.  We have several carriers to choose from so we can find the right coverage and price for you. 

You can go to our website and fill out our online application and just let the quotes come to you. 

Boardwalk Insurance Group is an independent insurance agency with insurance agents and offices in several Texas markets.  The agency is licensed to write commercial lines, personal lines, life and health insurance policies in 26 states.

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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

If you are in search of truckers property or liability insurance, contact Boardwalk Insurance Group today to get a free, no-obligation quote from one of our 200 A-rated insurance companies.  Our knowledgeable staff is standing by to service you.

Boardwalk Insurance Group

1-866-595-4077

http://www.boardwalkinsurance.com

Boardwalk Insurance Group is a one stop shop for truckers property and general liability insurance coverage and the agency is licensed in the following states: Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

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