Finding the right car for you is an important decision and a significant investment.  You probably want to protect it somehow, but after buying your dream car, or just something to get you around the block, you probably have better things to spend money on besides replacement of the car and medical bills in the event of an accident.  Auto insurance can do that, and is a requirement nearly everywhere if you own or operate a vehicle on the road.  For businesses, commercial auto insurance is just as important, whether you have one vehicle or one hundred in your fleet.

In the United States, auto insurance is required to have a minimum amount of liability coverage to pay for damages caused in an accident.  If you are deemed liable, your auto insurance will pay for both property damage and medical expenses to spare you the brunt of the costs.  Each state has its own minimum liability auto insurance requirements, and limits can either be combined total coverage or split coverage for property damage and bodily injury.  Auto insurance can be upgraded to a full coverage policy, which is divided into collision and comprehensive insurance.  Collision auto insurance covers damage caused in a collision with another object regardless of fault and comprehensive auto insurance covers damage caused by anything other than a collision (such as fire, theft, weather, or other “Acts of God”).

Commercial auto insurance has many of the same options as personal auto insurance but is tailored for a business setting.  Many businesses will own multiple vehicles and have multiple drivers, and this all is taken into account for a commercial auto insurance policy.  For large vehicle fleets, commercial auto insurance can be written as fleet insurance, so individual policies do not have to be written for individual vehicles.  Commercial auto insurance also looks at the driving records of individual drivers, so business owners need to look closely at the driving history of their employees.

Other types of auto insurance policies cover unique situations.  Uninsured and underinsured motorist auto insurance protects you when the party at fault has no insurance or insufficient insurance to cover the damages.  Lack of insurance is becoming increasingly prevalent, making this type of auto insurance more appealing.  Loss of use auto insurance covers the cost of a rental car when your primary vehicle is being repaired due to covered damage.

Auto insurance has many facets and can be very complicated when shopping around for a policy.  Auto insurance is offered by nearly every major insurance agency and many smaller ones as well.  Finding the best auto insurance policy for you can take a lot of time and money.  Fortunately, independent insurance agencies can do much of the work for you by shopping for auto insurance at the insurance providers they represent.  Contact your local independent insurance agency today for a fast, competitive auto insurance quote.

About Board Walk Insurance: Boardwalk Insurance Group is licensed to write auto insurance policies in over half the United States and has many other insurance solutions available through its affiliated insurance providers. For More Details visit https://www.boardwalkinsurance.com

auto insurance

Whether used as a daily commuter, a weekend cruiser, a grocery getter, or a piece of the work fleet, your vehicles are generally a very important part of your daily life.  Vehicles can also be a significant investment on the part of the owner, whether it is a personal vehicle or a business vehicle, and auto insurance is a must to protect it.  More importantly, most states require auto insurance, making it the law.

Both personal auto insurance and commercial auto insurance come in many different shapes and sizes, just like the vehicles they insure.  Basic auto insurance comes as simply liability insurance, shielding the owner from the costs of repairing the damage and medical costs if the insured driver is responsible.  The minimum liability auto insurance limits are what states regulate as part of their minimum auto insurance requirements.  In addition to liability auto insurance, collision and comprehensive auto insurance can also be taken out for your vehicle.  Collision auto insurance protects vehicle owners from the costs of repairing a vehicle when it is involved in a collision.  Sometimes collision auto insurance is required for an auto loan.  Comprehensive auto insurance protects the vehicle owner from the cost of damage resulting from many other hazards besides a collision, including “Acts of God” hazards, including tornadoes, floods, or hail.

In addition to standard auto insurance and commercial auto insurance policies, there are several add-on policies that have special protections.  Increasingly, auto insurance is neglected as money gets tight, and in the event of a collision, the party at fault does not have insurance or the financial ability to cover the repair costs.  Uninsured and underinsured motorist auto insurance protects the policy holder if the at-fault party cannot afford to cover repairs, whether the at-fault party is insured or not.  Loss of use auto insurance reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is being repaired due to covered damage.

Commercial auto insurance also has special insurance considerations.  In personal auto insurance policies, for the most part, the owner is the operator.  For commercial auto insurance, many different users can use the vehicle and need to be covered.  In addition, the potential operators might have the option to operate many different vehicles in a corporate fleet.  This kind of flexibility requires commercial auto insurance to have special provisions for this.  In addition, for large fleets, commercial auto insurance can be provided through a fleet insurance package, which can be a more cost effective insurance solution than individual commercial auto insurance policies.

Auto insurance is almost universally a necessity and many insurance providers offer both personal auto insurance and commercial auto insurance options.  However, shopping for auto insurance quotes and business insurance quotes for commercial auto insurance can be very time consuming.  Independent insurance agencies can shop for auto insurance quotes from the insurance providers they represent, taking on much of the work that would normally be up to the customer.

auto insurance · business insurance quotes · commercial auto insurance

Insurance is designed to reduce most of the financial liability or loss of property resulting from unforeseen events.  Auto insurance is no different, shielding automobile owners from the risk of financial harm or loss resulting from a vehicular collision or other vehicular damage.  While the type of auto insurance can vary based on the purpose of the vehicle, most auto insurance policies fall under personal or commercial auto insurance.

Auto insurance in some form is required in every state where Boardwalk Insurance is licensed to create insurance policies except for Virginia, where a $500 annual fee is required if liability insurance is not purchased.  Other states require by law some form of auto liability insurance to cover injury or property damage caused.  However, the minimum insurance rarely covers damages to the person at fault, so choosing the right auto insurance policy is very important.

Full coverage auto insurance covers both the operator and the other parties involved in a collision and includes collision insurance, comprehensive insurance, and liability insurance.  Collision insurance will cover repair costs of a vehicle or the cash value of the vehicle if it is totaled.  Comprehensive insurance covers vehicles in situations other than collisions, such as fire, damage from theft, vandalism, or other damage.  Boardwalk Insurance comprehensive auto insurance policies will also cover “Acts of God” beyond human control, such as floods, tornadoes, or other similar events.

To cover business property and absorb the financial risk from damage, commercial insurance policies are available from the Boardwalk Insurance Group.  To cover work vehicles, commercial auto insurance policies can be created.  For most vehicles, commercial auto insurance is not needed, however a vehicle owned by the business and used for more business than personal use, a policy can be advantageous.  Generally, employees using work vehicles are less likely to treat them as their own, and work vehicles are more likely to be put under more stress and in more hazardous situations, so commercial auto insurance could be a very helpful solution, especially in heavier industries.

Insurance is meant to protect people from the unexpected, and auto insurance is required nearly everywhere to do so.  Finding the best policy to suit your needs can be a daunting task as well, given the many options in both type of coverage and cost of coverage.  Boardwalk Insurance Group is an independent insurance agency that is affiliated with 23 well known and respected insurance carriers.  The independent insurance agents will take the time to learn your requirements and craft an auto insurance policy that meets your needs and budget.

As independent insurance agents and brokers, Boardwalk Insurance Group serves their customers first. To do this, Boardwalk represents a full line of quality and competitive insurance companies to meet its customers’ specific needs at great prices. Using their state-of-the-art, “on-line” computer rating system, they can make instant rate comparisons of the finest insurance companies to find the best value for their customers. In addition, Boardwalk is “on-line” with several of its prime carriers for accurate, up-to-the-minute record keeping to provide fast and efficient personal service customers deserve.

auto insurance · commercial auto insurance

Aside from a home, a vehicle is probably one of the most important personal investments outside of a home.  For companies that provide transportation for employees, auto insurance can also provide protection from any on the job mishaps.  In addition, auto insurance is required in most states, ensuring that anyone that owns a vehicle should be looking into getting auto insurance to protect their investment.

There are several types of auto insurance coverage: liability, comprehensive, and collision, along with several other types of more specialty coverages, such as medical, uninsured/underinsured motorist, and rental reimbursement.  In addition, for commercial auto insurance, other factors need to be addressed, such as the amount of drivers and their driving record.  Otherwise, many factors tied to the auto insurance premium are the same for personal and commercial auto insurance policies.

Liability auto insurance is the basic minimum coverage required in most states; however the value of the minimum auto insurance coverage varies by state.  Liability auto insurance covers injury and property damage to others, but not to the owner of the vehicle itself.  Collision auto insurance is specifically for damages caused in a collision, while comprehensive auto insurance covers vehicle damage from just about anything not collision related: whether it is fire, weather related, or even vandalism or theft.  Medical coverage is for medical expenses regardless of fault resulting from an auto accident.  Increasingly, uninsured and underinsured motorist auto insurance is needed, protecting the insured when the accident is caused by a driver who has no insurance or does not have enough insurance to cover the damages.  As a boutique type of policy, rental reimbursement auto insurance is also available; which pays for a rental car while the primary car is being repaired due to an auto accident.  All these coverages can be mixed and matched to create the best auto insurance policy for your needs.

For business vehicles, commercial auto insurance is a little different.  While many coverages pertaining to personal auto insurance can be used, there are certain requirements for commercial, or work vehicles that must be noted.  The number of vehicles and drivers also can affect a commercial auto insurance policy.  Fleet insurance may also be a better alternative if there are a large number of commercial vehicles owned by the business.  Getting business insurance quotes can help get the best commercial auto insurance for the price.

States are generally doing everyone a favor by requiring motorists to hold an auto insurance policy.  The protection even basic liability insurance affords can go a long way in helping get those affected by an accident back on their feet.  Taking much of the financial responsibility off the insured party leads to peace of mind and ensures those involved in the accident will be helped.  To find the best auto insurance policy, contact a local insurance agent.

auto insurance · business insurance quotes · commercial auto insurance

By Nathan Kaufman

Insurance is designed to reduce most of the financial liability or loss of property resulting from unforeseen events.  Auto insurance is no different, shielding automobile owners from the risk of financial harm or loss resulting from a vehicular collision or other vehicular damage.  While the type of auto insurance can vary based on the purpose of the vehicle, most auto insurance policies fall under personal or commercial auto insurance.

Auto insurance in some form is required in nearly every state in the United States except Virginia, where a $500 annual fee is required if liability insurance is not purchased and New Hampshire, where personal responsibility can be proven by meeting certain standards.  Other states require by law some form of auto liability insurance to cover injury or property damage caused.  However, the minimum insurance rarely covers damages to the person at fault, so choosing the right auto insurance policy is very important.

Full coverage auto insurance covers both the operator and the other parties involved in a collision and includes collision insurance, comprehensive insurance, and liability insurance.  Collision insurance will cover repair costs of a vehicle or the cash value of the vehicle if it is totaled.  Comprehensive insurance covers vehicles in situations other than collisions, such as fire, damage from theft, vandalism, or other damage.  Most comprehensive auto insurance policies will also cover “Acts of God” beyond human control, such as floods, tornadoes, or other similar events.

There are several other forms of auto insurance that fit special needs, including uninsured or underinsured motorist coverage, loss of use, GAP coverage, towing, and personal property insurance.  Uninsured/underinsured motorist coverage (UM/UIM) ensures the party that is not at fault is not stuck with a bill due to the at fault party’s inability to pay.  While often overlooked, the number of uninsured drivers can be over 30% in some parts of the country, so UM/UIM coverage is very important.  Loss of use coverage reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is repaired due to a loss that is covered under the existing insurance policy.  GAP coverage protects a new car is damaged beyond repair; however the loan is valued higher in the car.  GAP coverage was established as car price increased, auto loans ran longer, and vehicles were leased more frequently.  Towing insurance covers the use of a tow truck when used for non-accident reasons, such as a flat tire or mechanical breakdown.  Personal property auto insurance covers personal items in the vehicle not attached to the vehicle, such as a laptop that was damaged in a car accident.

To cover business property and absorb the financial risk from damage, commercial insurance policies are available.  To cover work vehicles, commercial auto insurance policies can be created.  For most vehicles, commercial auto insurance is not needed, however a vehicle owned by the business and used for more business than personal use, a policy can be advantageous.  Generally, employees using work vehicles are less likely to treat them as their own, and work vehicles are more likely to be put under more stress and in more hazardous situations, so commercial auto insurance could be a very helpful solution, especially in heavier industries.

Nathan Kaufman is a recent graduate from Texas A&M University in College Station.  He is a frequent article contributor in the insurance industry.

auto insurance · business insurance quotes · commercial auto insurance

Children are the light of our lives, however they can be a hassle when juggling all the other responsibilities in life, such as work.  Many families opt to place their children in childcare, so that they can continue working.

Knowing your children are safe at the childcare is extremely important since there is a lot of trust placed in the employees.  For childcare facilities, childcare insurance protects the business from many damages that may threaten it.  Childcare insurance also includes liability insurance giving an outstanding amount of coverage on all fronts.  Childcare insurance can cover a variety of properties, including daycares and nursery schools.

This insurance coverage can provide a comprehensive product for both commercial and residential Child Care facilities.

ADDITIONAL ADVANTAGES:

• IN-HOUSE BINDING AUTHORITY – Quick quote turnaround
• Superior policy issuance
• Low minimum premium
• Broadest Coverage
• Priced to Sell

POLICY FEATURES MAY INCLUDE:

• Professional Liability for no additional charge
• Child Molestation and Abuse limits to the General Liability Limit with no Liability Deductible (Commercial)
• The definition of abuse includes corporal punishment
• Medical Payments coverage automatically provided for no additional charge for enrolled students
• Defense Cost Reimbursement coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators or employees
• Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse coverage (Commercial)
• Hired and Non-Owned Auto coverage
• Coverage for facilities with pets and field trips
• Coverage for extended hour and overnight commercial Child Care facilities and/or “drop in” centers
• Special Form including Theft and Replacement Cost coverage available
• Equipment Breakdown coverage including spoilage of perishable items
• Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money, & Securities, Employee Dishonesty, Accounts Receivable coverage and much more
• Background checks with preferred pricing

Childcare facilities face much scrutiny since the livelihood of the future is placed in the hands of employees.  To find the best childcare insurance for vacant buildings, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best childcare insurance for vacant buildings 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.

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Boardwalk Insurance Group is an independent insurance agency founded in January 2008.  Since then, the agency has expanded to 5 locations and is presently licensed to sell insurance polices in 13 states.  This rapid but responsible growth is attributed to their use of technology, drive, focus, outstanding customer service and the insurance companies they represent.

If you are an individual or business searching for an insurance policy and you are located in Arkansas, California, Florida, Georgia, Illinois, Kansas, Louisiana, Minnesota, Missouri, New Jersey, Oklahoma, Texas or Wisconsin, Boardwalk Insurance Group is here to serve you.  We won’t bog you down with any aggressive sales people or fill up your inbox with marketing emails.  Our sales process is fast, simple and straight-forward and we prove our worth to you by offering you access to tools that no other agency can provide.

We specialize in all lines of insurance including:

Auto Insurance (auto liability insurance, full coverage auto insurance, commercial auto insurance, business auto insurance)

Home Insurance (homeowners insurance, dwelling insurance, dwelling fire insurance, renters insurance, condo insurance, hazard insurance)

Commercial Insurance (commercial general liability, contractors liability, commercial property insurance, hotel insurance, motel insurance, insurance for office buildings, insurance for shopping centers, marine insurance, builders risk insurance, insurance for gas stations, insurance for convenience stores, insurance for apartment complexes, insurance for retail stores, workmans comp insurance, workers comp insurance, professional liability insurance, errors and omissions insurance, e&o insurance, commercial real estate insurance, and much more)

Life Insurance

Health Insurance

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Welcome to Boardwalk Insurance Group, a rapidly growing independent insurance agency system in our great nation.

Whether you are a consumer looking to inquire or purchase one or more of our amazing insurance products or if you are an insurance professional looking to take your career to the next level, you will find what you are looking for here.

Our customers are our top priority and for that reason, we strive to provide excellent service, fantastic rates, flexible terms and credible insurance companies. So if you’re looking for auto insurance, home insurance, commercial insurance, life insurance or health insurance, consider your search over! Do you think you’re ready to experience the Boardwalk difference? If so, your next step is to contact us. For your convenience, we have six ways in which we can be reached so feel free to use whatever suits you from the options below:

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