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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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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A short message about cargo insurance coverage from your friends at Boardwalk Insurance Group:

With the recent devastating storms, many of our clients in various parts of the country have asked if we can provide cargo insurance coverage while they are hauling travel trailers that will be used as temporary housing in their affected areas.

Our carriers currently provide up to $100,000 in cargo insurance coverage for travel trailers, whether it is attached to a covered vehicle or hauled on a flatbed trailer attached to a covered vehicle. So if you have a policy with us, you don’t need to request exceptions for FEMA trailers.

Just so you know, insurance coverage for your travel trailer begins when it is being loaded, continues while the unit is in transport, and discontinues after it has been unhooked from the pulling unit.

The only thing to note is that mobile homes are not automatically covered and therefore require an exception.

If you have any questions regarding this issue, please do not hesitate to contact your representative.  If you are not a client of our agency but would like a quote for cargo insurance, feel free to 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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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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Do you own a restaurant?  Do you serve alcohol?  If so, you are required to carry a general liability insurance policy along with liquor liability insurance coverage.  Boardwalk Insurance Group, through it’s various brokers and carriers, has a plethora of programs available for all restaurants, cafes, etc.  Whether you are a casual diner or a 5 star restaurant, we have the right product for you.

Eligible Risks Can Include:
•    New Ventures
•    Dancing
•    Entertainment
•    Bouncers
•    Nightclubs
•    Adult Entertainment
•    Prior claims and/or violations

Coverage and Product Features:
•    General Liability coverage
•    Liquor Liability coverage
•    Property coverage
•    Equipment Breakdown coverage, which includes a $250,000 sublimit for food spoilage
•    Crime coverage
•    Employment Practices Liability
•    No liability deductible
•    Assault or Battery coverage is available on most risks for Liquor Liability
•    Excess limits available for General Liability
•    Non owned and hired auto coverage available if no delivery
•    Value Plus endorsement is available on accounts eligible for Special Form. The endorsement offers 13 valuable coverage enhancements including: Money & Securities, Employee Dishonesty, Signs, Water Back-up and more
•    No inspection or issuance fees

Limits of Insurance:
General Liability limits up to:
•    $1,000,000 each Occurrence/$2,000,000 Aggregate
Liquor Liability limits up to:
•    $1,000,000 each Occurrence/$2,000,000 Aggregate
Property limits up to:
•    $1,500,000 maximum property value in protection class 1-8
•    $250,000 maximum property value in protection class 1-9
•    $500,000 maximum property value per location in coastal zones (wind exclusion applies on building coverage)

If you require insurance for your restaurant, contact Boardwalk Insurance Group today to get a free, no obligation quote.  Our process is simplified and doesn’t require much of your time.  Our knowledgeable professionals are standing by to assist you.  Not only will we provide you with more coverage, we will also save you a lot of your hard-earned cash.

Boardwalk Insurance Group
www.BoardwalkInsurance.com
1-866-595-4077

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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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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Are you in need of event liability insurance policy for a special event?  Let Boardwalk Insurance Group help find the right insurance company for you.

Many banquet facilities, hotels, convention centers, parks, country clubs, night clubs, concert halls and other venues require event hosts to carry some type of special event insurance these days.  From weddings to fundraisers to concerts to parties with alcohol, some type of insurance is requested to protect not only the property owners, but the hosts themselves from claims that may arise.

Some examples of event insurance claims which have occurred:

•    Property Damage: Facility walls were damaged when children smeared chocolate from the chocolate fountain.

•    Property Damage: A guest spilled an entire glass 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.

Liquor Liability insurance coverage is crucial if the event you are hosting will be serving alcohol.  It makes no difference if you are utilizing a cash bar or providing an open bar service for your guests.  Either way, there is serious exposure to you and the facility.  If the venue or 3rd party service they use to cater alcohol states they have their own coverage, you must make sure that they provide you with a certificate of insurance for your particular event dates/times and also list you or your organization on the policy as an additional insured. 

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 and you can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.  It’s just not worth the trouble so you must make sure adequate coverage is already in place or you should purchase your own.

Boardwalk Insurance Group provides special event insurance coverage for all types of events at all types of venues.  Our typical event policies include:

•    General Liability and host liquor liability coverage with separate limits (important if there are multiple large claims)
•    Coverage for property damage caused to the rented banquet hall facility
•    Medical payments coverage
•    Food and beverage product liability
•    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 at 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 of the policy limits
•    Limits of  $1,000,000/$2,000,000 available

Quotes can be provided within 24 hours of submitting a completed application.  Premiums for events can range anywhere from $250 to $10,000 per day.  Factors considered in determining costs include the type of venue, type of event, number of people attending, if the event is free or paid, if any celebrities will be in attendance, if alcohol is being served, event timings, etc.

If you are in search of special event insurance, contact Boardwalk Insurance Group today to get a free, no-obligation quote from one of our many 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 an independent insurance agency 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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Commercial General Liability insurance, commonly referred to as CGL or GL, covers commercial insureds (business owners) from losses sustained by third parties.  Based on the type of business you are in, your coverage can cover you for everything from a slip and fall claim to a negligence claim.  It’s important, especially in this day and age, for all businesses to carry some sort of liability insurance coverage.  It’s probably a requirement for most businesses anyways, either by your lien holder, city, state, county or bank.

The premium for CGL is calculated on a few different factors, but primarily based on the type of business you are in, your expected annual revenues for the upcoming 12 months and sometimes, the amount of your annual payroll.

The most commonly purchased coverage is “$1 million/$2 million.”  This means that you have coverage for up to $1M on any one claim and you have an aggregate coverage of $2M for all claims in any one policy period, usually 1 year.  So you can have 2 $1M claims, 4 $500k claims, etc. and still be covered under the policy.

Insurance companies offer much lower coverages, such as $100,000, $300,000, $500,000, etc., but it’s usually not worth it to purchase them.  For only a few bucks more per year, you can have a $1,000,000 policy.  Of course, coverage can also go much higher than this as well.

If you are in search of a commercial general liability insurance policy, your best bet is to work with an independent insurance agency.  Independent insurance agents represent several different companies and can shop your coverage request internally to get you the best deal.  No matter how simple or complicated your business is, independent agents are more flexible and can find coverage for all.

Boardwalk Insurance Group is an independent agency licensed to work with clients (individuals and businesses) in 26 states.  In terms of commercial general liability insurance, they service the following areas:

• Air Conditioning Installation, Service & Repair
• Appliance & Accessories Installation – Commercial & Household
• Asphalt Works
• Carpentry – Interior work
• Carpentry – Construction of Residential Property
• Carpet or Upholstery Cleaning
• Chimney Cleaning
• Concrete Construction
• Conduit Construction for Cables/Wires
• Debris Removal
• Driveway, Parking Area, or Sidewalk Paving or Repaving
• Drywall or Wallboard Installation
• Electrical Work – Within Buildings
• Fence Erection Contractors
• Floor Covering Installation
• Furniture/Fixtures Installation
• Glass Dealers and Glaziers (NO window installation)
• Heating or Combined HVAC Systems or Equip – Install, Service
• Insulation Work – Plastic or Mechanical Work
• Interior Decorators
• Landscape Gardening
• Masonry Contractors
• Metal Erection – Decorative/Artistic, and Nonstructural
• Painting – Interior & Exterior
• Plastering or Stucco Work
• Plumbing – Commercial, Industrial, and Residential
• Septic Work
• Sheet Metal Work
• Siding Installation
• Sign Erection, Installation, or Repair
• Solar Energy Contractors
• Swimming Pool Servicing, Installation, or Repair
• Television or Radio Receiving Set Installation or Repair
• Tile/Stone Work – Interior Construction
• Upholstering – Shop Only
• Window Cleaning
• Various Commercial and Residential Contractors
• And much, much more.

If you are in search of general 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

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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Boardwalk Insurance Group offers professional liability insurance for the following types of professionals:

Real Estate – Agents, Brokers, Mortgage Brokers, Title Agents, Escrow Agents, Closing Agents, Property Managers
Insurance - Agents E&O, MGA’s, MGUs, Insurance Companies, Aggregators, Associations, Adjusters,Appraisers
Legal - Law Firms, Paralegals, Legal Aid, Expert Witnesses, Trial Preparation
Inspectors - Home Inspectors, Property Inspectors, Loss Control, Safety Consulting
Architects & Engineers –  Architects, Designers, Land Surveyors, Mechanical, Landscape, HVAC
Financial - Distressed Banks / Financial Institutions, Tax Preparers. Bookkeepers
Agencies - Repossesors, Collections,Employment, Executive Recruiters, Temporary Staffing
Allied Health – Nurses, Aides, Mental Health, Therapists, Social Workers, Dietitians, Sleep Centers, Physical Therapists
Technology - Computer Consultants, Data Prep, Information Retrieval, Programming, Govt Defense
Religious - Pastoral, Clergy, Synagogues, Mosques
Consultants - Managerial, Safety, Marketing
If you are a professional in any of the categories listed above, contact us today to get your free quote.  The process requires you to complete a simple application and we can provide you with custom quotes in less than 24 hours in most cases.

Boardwalk Insurance Group

1-866-595-4077

http://www.boardwalkinsurance.com

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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Do you own or manage a pest control company or pest control service?  Are you a pest control operator?  If so, your business requires you to carry commercial insurance in order to prevent a financial disaster should something happen while you and your crew are out doing their jobs.  Insurance for your pest control business is not something available to purchase online and is not something offered by all insurance agents nor by all insurance companies.  In fact, to get proper coverages at rates you can live with, you need to go to someone who understands the ins and outs of your business.
This is where Boardwalk Insurance Group comes in.  Our professional agents understand your needs and work with carriers, on your behalf, who insure pest control operators and pest control companies on a regular basis.

Rare and unexpected mishaps do happen from time to time and can lead to big bucks in expenses to remedy the loss incurred by your clients.  Sometimes, these can lead to lawsuits which can strip your entire business away.  No one wants this to happen and it can be prevented if you carry adequate insurance coverage to protect you.  While you and your team are out trying to make a living, accidental damage to your client’s properties may occur and replacement of their home or contents may be warranted.  For a few hundred dollars a year, why not avoid this headache by carrying insurance coverage for pest control operators or insurance coverage for pest control companies.  There are even endorsements available which provide coverage specifically for bed bug treatments!

Visit us online at www.boardwalkinsurance.com or call Boardwalk Insurance Group toll free at 1-866-595-4077 and let one of our friendly and knowledgeable agents assist you in getting the right insurance coverage for you and your business.

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