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

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Unfortunately, religious institutions are susceptible to an increasing number of risks resulting in monetary damages.  Having the right insurance policy in place can help protect your non-profit organization.
Here are the Coverages Your Organization Should Carry:
•    Commercial General Liability Insurance
•    Commercial Property Insurance (if the organization owns real property)
•    Directors and officers Liability Insurance
•    Employment Practices Liability Insurance
•    Special Events Liability Insurance
•    Special Religious Property Coverage which includes the unique exposures associated with religious facilities such as coverage for organs, pulpits, baptismal fonts, pews, stained glass, arks, tabernacles, etc.
•    Money & Securities with the ability to increase your limit on select days when offerings are larger
•    Members and Volunteers should be included automatically as additional insureds
•    Licensed Day Cares and Preschools included if necessary

Boardwalk Insurance Group is an independent insurance agency specializing in a variety of commercial insurance programs through its network of insurance companies and insurance brokers.  Their specialty package for religious institutions, in addition to what’s listed above, includes the following:

o    Money & Securities Coverage
o    Employee Dishonesty Coverage
o    Spoilage Coverage
o    Accounts Receivable Coverage
o    Valuable Papers Coverage
o    Sewer Back Up Coverage
o    Personal Effects Coverage
o    Clergy and Counseling Professional Liability
o    Hired and Non-Owned Auto
o    Employee Benefits Liability
o    Directors and Officers Liability
o    Employment Practices Liability
o    And many more…

This Program is Specifically Designed For:
•    Churches / Tenant Based Church
•    Mosques
•    Synagogues
•    Temples
•    Other Religious Institutions

Coverages Limits Generally Include:
•    General Liability – up to a $3,000,000 limit
•    Property (Buildings, Business Personal Property, Business Income, Equipment Breakdown)- up to $2,000,000 per location.
•    Sexual Molestation  – up to $200,000 Limit
 
Coverage is placed through A+ rated insurance companies and higher limits are available upon request.

If you are looking to purchase insurance for a new religious institution or even one which is well-established, your search is over.  Boardwalk Insurance Group will shop several insurance companies on your behalf and provide you with the best option for you and your organization.  Our services are 100% free of cost to you so why not submit an application today and find out for yourself?  Quotes can be obtained in as little as 48 hours in most cases.

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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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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If you own or operate a business which deals with pets or owners of pets, you need to carry a proper amount of insurance coverage to protect you, your family and your business from catastrophic physical and financial losses.  Typically, your business would need a commercial general liability insurance policy, commercial property insurance and some inland marine coverage.  More options are definitely available, but these are the basics.

Here are the coverages your insurance policy should include:
•    Physical damage coverage for the animals in your care, custody and control
•    Professional liability for your grooming operation
•    Medical Payment Expense for the animals in your care, custody and control
•    Inspection costs by insurance companies included in your premium
•    An adequate amount of coverage for your property, including building (if required) and contents
•    An adequate amount of inland marine coverage (your property while in transport)

Preferred Businesses Would Have:
•    No building coverage
•    No overnight kennel
•    Up to 30 animals per day maximum
•    Pet Care Services Association accreditation
•    Grooming operations
•    Retail sales operations
•    No more than two losses or claims per coverage part (excluding closed without payment) incurred in the past five years (liability), three years (property/inland marine)
 
Available Limits of Coverage:
•    Maximum property value of $3,000,000
•    Coastal Zones – Maximum property values up to $500,000 per location
•    Liability Limits up to $2,000,000

Ineligible Businesses:
•    Veterinarian services
•    Stables
•    Those accepting equine or commercial animals
•    Those who sell products under their own label
•    Those who provide training for hunting, security, show or agility
•    Those involved in pet adoption or pet rescue
•    Businesses with pending or prior bankruptcies
•    Those with existing tax liens
•    Businesses with 2 General Liability losses in the past 3 years and/or risks with 2 Property/Inland Marine losses in the past 3 years
•    Those who located Louisiana

If you are in search of insurance coverage for your pet-related business, contact Boardwalk Insurance Group today for your free quote.  We offer commercial general liability insurance, commercial property insurance, inland marine insurance floaters, umbrella policies, worker’s comp policies and much more.  Since Boardwalk is an independent insurance agency, we represent several insurance companies and insurance brokers, giving us the opportunity to shop insurance coverage for our clients.  This assures you get the best deal, not only in terms of pricing, but also for the coverages you need in your specific situation.

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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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.

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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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.

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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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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For law firms with up to 25 attorneys based out Virginia, Boardwalk Insurance Group has a special professional liability insurance program available to you.

All lawyers are to maintain an active professional liability insurance policy, also referred to as an errors and omissions insurance policy, at all times.

Our program will provide you with the following:

•    AM Best A, XV rated insurance company
•    Access to a risk management website and CLE Programs (includes 3 free CLE hours per attorney)
•    Claim Expense Outside the Limit Available
•    Duty to defend/pay on behalf Policy Form
•    $0 and aggregate Deductible options available
•    Bilateral ERP with unlimited tail option (up to 60 days to elect)
•    ERP for non-practicing attorneys at no charge
•    ODL for non-profit D&O positions
•    Soft Hammer Clause (50/50)
•    Automatically renewed policies for qualifying accounts
•    and much more.

If the above intrigues you, contact Boardwalk Insurance Group today to request an application.  Our process is fast, simple and won’t take too much of your time.

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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Do you own or operate a concession stand?  Or are you a vendor for concessionaires?  If your answer is yes to either of the questions above, it’s important you carry insurance to protect you and your business from financial losses resulting from claims.

Boardwalk Insurance Group is a versatile independent insurance agency who can help get you the coverage you need at a price you can afford.

Our specialty program options for concession stands and vendors are highlighted below.

Coverage Available As:
•    Stand alone commercial general liability insurance coverage
•    Package – including general liability insurance with property insurance and/or inland marine insurance

Broad Eligibility Including:
•    Indoor vendors, outdoor vendors, seasonal lots and tents, flea market vendors, fair vendors, show vendors and swap meet vendors
•    Hot dog vendors, news stands, mall kiosks, Christmas tree lots and more 
•    Operating locations can include: Airports, bus terminals, museums, office buildings, rest stops, shopping malls, train stations, athletic fields, beaches, business parks, parking lots, public parks, public streets/sidewalks, school campuses and many more
•    Business can operate from a primary location or varying locations
•    Small to large operations (can have up to 40 individual locations or stands)
•    Competitive pricing
•    Cheap insurance premiums
•    Coverage can be extended to include office or warehouse locations

Liability Features:
•    Easy Pricing Structure (flat charge per stand or show)
•    Blanket additional insured coverage
•    Products/completed operations coverage provided for most eligible risks
•    Primary commercial general liability insurance limits available up to $2,000,000 occurrence/$3,000,000 aggregate
•    No liability deductible
•    Policy is non-auditable
•    Hired and non-owned auto liability insurance coverage available

Inland Marine Features:
•    Included in package with commercial general liability insurance
•    Coverage up to $35,000 per item or scheduled items
•    Coverage for other miscellaneous items
•    Theft coverage included

Additional Advantages:
•    Property coverage available for office and warehouse locations
•    Available for Web Quoting
•    Quick quote and binder turnaround

For your free, no-obligation insurance quote for your business, contact Boardwalk Insurance Group.

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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If you are a business owner in Texas and would like to carry a worker’s comp policy on your employees, Boardwalk Insurance Group has many programs specifically designed for your business.  We even have preferred programs which provide custom coverage and special rates for various industries.

Preferred Classes:
Landscape Garden & Drivers
Machine Shop
Masonry
Lawn Maintenance by Contract
Plumbing & Drivers
Concrete or Cement Work
Grocery Retail Stores
Retail Stores
Wholesale Grocery Stores
Auto Service Station & Drivers
Auto Repair Shop & Parts
Physician & Clerical
Hotel: ALL Employees & Drivers
Restaurant
Trucking
Electrical Wiring within Buildings & Drivers                                                Painting/Paperhanging
Clothing / Apparel / Dry Goods Retail Stores
Clubs: Country Clubs, Golf Courses, Fishing, Yacht & Clerical

Additional Classes:
Sheet Metal Workshop & Outside
Concrete Construction
Fence Erection: Metal
Wholesale Stores
Jewelry Stores
Retail Drug Stores
Buildings: Operation by Owner or Lessee
Beauty Parlor / Barber Shop / Tanning Salon
Day Care / All employees
Laundries and Laundromats
Roofers
And many more.

If you don’t see your business on this list, give us a call or send an email to discuss.

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

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance policies 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, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin

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