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TAG | business auto insurance

What Type of Insurance Does Your Business Need? 5.00/5 (100.00%) 1 vote

Whether you own or manage a small local business, an online store, or a large company, insurance can protect your business from major as well as minor risks. Getting your business insured is a straightforward process. An experienced and transparent independent insurance agency in Houston can help you determine the right amount of coverage you need, as well as customize your insurance package, so that you get the best value for every dollar you spend on insurance. Some of the key insurance policies your business may need include:

Commercial Liability Insurance / Business Liability Insurance

This standard insurance policy protects your business from mistakes and accidents that can lead to physical injuries, psychological trauma, or financial loss. Regardless of the type of business you have, whether you manufacture products or sell food, customers and other people who visit your business location, come in contact with your employees, or use your products or services can start a lawsuit against you. Reasons vary from a faulty product or on-premise business prop that causes a physical injury, to a disgruntled employee who insults a customer, who then sues your company.

Commercial liability or business liability insurance can be effective against many different types of liability claims, including payments to claimants resulting from bodily injury, medical expenses, property damage, as well as legal costs you may incur during the defense. Coverage offered by a good insurance agency in Texas may include product liability, professional liability, and commercial property insurance.

Business Auto Insurance

Essentially, a business auto insurance policy protects the vehicles you use for business (including vans and trucks) from the dangers that may arise on the road. Coverage extends to company vehicles that are driven by your employees to work or to meetings with customers, as well as to deliver goods or drive other employees home. It’s similar to a personal car insurance policy, only that it applies to businesses.

Garage Liability Insurance

If your business sells, repairs, services, or tows cars, you need a garage liability insurance. This type of policy covers you against customer injuries that arise unintentionally at your shop, such as slips or falls, as well as discrimination and employee dishonesty claims. This kind of coverage is usually not included in a general business or commercial liability insurance policy.

Garage Keepers Insurance

Although it is often confused with a garage liability insurance, garage keepers insurance is a different form of insurance. It covers any damage to the vehicles in your care (your customers’ vehicles) that may accidentally arise while they are stored, repaired, or kept in your facility. An experienced insurance agent in Houston can further explain to you the differences between a garage liability and garage keepers insurance.

Regardless of the type of insurance your business needs, it’s important to work with an independent insurance agency in Houston that is transparent and can fully understand your business’ needs. At Boardwalk Insurance Group, we offer all of the above business insurance policies as part of our commercial insurance solutions.

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How to Lower Your Small Business Insurance Costs By Choosing an Independent Insurance Agency In Texas 5.00/5 (100.00%) 1 vote

Whether you’re shopping for commercial liability insurance, garage keepers insurance, or some other type of insurance for your small business, sifting through all your options to find the policy that offers you the most coverage at the best price can be stressful. That’s where an independent insurance agency in Houston can make things easier for you. Independent insurance providers can not only relieve you from the stress and the pitfalls of the hunt for insurance, but also lower your insurance costs.

Independent Insurance Agency

Choose An Independent Insurance Agency In Texas That Understands Your Industry

Independent insurance agents often specialize in finding insurance solutions for specific industries. They can draw on their experience in that industry to understand the needs of your business and how much coverage you actually need. If you have little to no experience with insurance policies, navigating your way through the labyrinth of clauses and requirements can be an onerous task.

Get Quotes From Multiple Carriers

Whether you’re shopping for a basic business auto insurance or a comprehensive garage liability insurance, the best way to find an affordable policy that provides excellent coverage is to get quotes from as many carriers as possible. An independent insurance agency in Texas can do just that.

Established independent agencies work with many different specialized carriers. At Boardwalk Insurance, we partner with over 24 carriers to find the best policy for you. Also, we use the latest insurance comparison software to find the optimal balance between cost and value.

Make Sure You Don’t Buy More Coverage Than You Actually Need

When shopping for business insurance on your own, it can be easy to err on the side of caution, especially if you’re dealing directly with insurance companies, which naturally want you to get as much coverage as you can pay for. Unlike big companies, many small businesses tend to be exposed to fewer risks, and this can mean cheaper insurance policies. But assessing these risks requires experience, both in the industry and in the insurance business, and an independent insurance agent can again help here.

Save Money By Saving Time

The hunt for an insurance policy, the endless comparisons, quotes, and inquiries, the paperwork and, later on, the legal conundrums that misunderstood clauses or delayed claims can give rise to can become a time sink if you don’t have an insurance expert in your team. Dealing with all of these will take up precious time that you could otherwise invest in your business. By teaming up with an independent insurance agency in Houston such as Boardwalk Insurance you can avoid all these inconveniences.

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Why Choose An Independent Insurance Agency In 2016 4.67/5 (93.33%) 3 votes

Whether you’re shopping for commercial liability insurance, exotic car insurance, garage liability insurance, or any other type of insurance policy in Houston, you have to choose between “captive” agencies and independent agencies. While captive agencies represent just one insurance provider, independent agencies represent several. Choosing an independent insurance agency in Houston has a number of benefits which can have a major impact on your decision.

More coverage options and price points

Because an independent insurance agency in Houston partners with several different insurance companies, they are able to compare different options in order to find for you the insurance policy that provides the best coverage at the best price. This can be especially important when it comes to more specialized policies such as exotic car insurance or garage keepers insurance, which not all insurance companies offer.

One application spares you the trouble of multiple applications

When working with different captive agencies or agents, you have to send a separate quote application to each of them. With an independent agency, on the other hand, one application is enough for you to get quotes from multiple insurance companies. This speeds up the search for the right insurance policy for your needs.

A personal adviser guides your decision

Any well-established insurance agency in Texas will offer you your own personal adviser, who can use his or her experience and insight into the insurance world to help you determine how much coverage you actually need and how much you can afford to pay on insurance every year. What’s more, a personal adviser can answer any questions you may have regarding your insurance policy, explaining for example the differences between an exotic car insurance and an exotic car warranty or between a garage liability insurance and a garage keepers insurance.

Complete coverage for all your insurance needs

Because an independent insurance agency in Houston brings together different kinds of insurance options from multiple providers, it can offer you a complete solution to all your insurance needs. If alongside your auto or home insurance you also need business auto insurance or business liability insurance, you may be able to get them all in one place, and sometimes at a discount, too. Shopping for insurance can be a time-consuming, even stressful process, but an independent insurance agency can make it less of a hassle by managing your insurance policies for you.

Last but not least, an independent insurance agency in Houston can offer you more flexibility than a captive agency, not only during the insurance buying process, but also after you sign the papers. If you want to change your insurance later on, an independent insurance agency provides you with far more options. To discover all the benefits of using an independent insurance agency, call now Boardwalk Insurance toll free at 1.866.595.4077 or by using this contact form.

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Business Liability Insurance For Small Business – Why Its So Important 4.67/5 (93.33%) 3 votes

A general business liability insurance is one of those key insurance solutions offered by insurance agencies in Houston, including Boardwalk Insurance, that small businesses cannot do without. At first glance, it may seem that a business liability insurance or commercial liability insurance, as it is also called, is for large businesses only, and that small businesses could spend their small budgets on other things. That cannot be farther from the truth. Like any type of business, small business is risky, and without adequate coverage, the small business owner can find himself or herself in some really bad situations involving property damage, bodily injury, or out-of-court settlements.

General Business Liability – Essential Business Coverage

That’s where general business liability insurance comes in. This comprehensive insurance solution protects a small business owner as well as his or her employees from bodily injury or property damage claims made by customers. Regardless of the type of the business in question, such claims are inevitable over time, and often result in litigation and settlements which can cost a business thousands of dollars in attorney expenses, medical expenses, and out-of-court settlements. Any of these can destabilize a small business and put the owner in the unpleasant situation of having to pay money out of pocket or even to have recourse to loans to pay off expenses.

Furthermore, general liability insurance protects a business from what is dubbed in insurance jargon ‘advertising injury’, and which can include accidental copyright infringement through a marketing campaign or event. More than financial security, a general business liability insurance brings a small business owner peace of mind — should an accident involving his or her property or products occur, the policy bears the brunt of the consequences.

What Coverage a Small Business Needs

It is important to understand, however, that business liability insurance isn’t the only type of insurance a small business needs to be well covered from accidents and other unpleasant occurrences involving customers, employees, and business property. For protection against auto accidents, a small business needs business auto insurance. Car body shops, repair shops, or cleaners, as well as any other business that stores customer cars’ on its premises needs garage liability insurance and garage keepers insurance. Employee injuries, on the other hand, are covered by a workers’ compensation.

As you can see, business liability insurance is essential for any business. But other types of insurance are also necessary. At Boardwalk Insurance, we are an insurance agency in Houston that offers a complete range of business insurance policies to fully protect small business owners from unfortunate occurrences, including garage liability insurance, garage keepers insurance, commercial liability insurance, business auto insurance, professional liability insurance, and more. To find out more about our comprehensive small business coverage, don’t hesitate to contact us.

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5 Things You Need to Know About Commercial Liability Insurance 5.00/5 (100.00%) 2 votes

A commercial liability insurance is an essential type of insurance for most Houston-based businesses. However, it is not always well understood, and can cause some confusion. If you consider procuring a commercial liability insurance for your business, then there are a couple of things you should know about it.

  • A commercial liability insurance helps to keep your business running by protecting it from financial loss that may result when you’re sued because of injuries or property damage caused by your services, operations, or employees. For example, if someone trips and falls in your workplace and then sues you, the insurer will cover the costs associated with dealing with the court case and whatever medical expenses there may be.
  • A general commercial liability insurance may not include coverage for personal and advertising injury or medical payments. These may have to be purchased separately, under different policies.
  • A general commercial liability insurance includes limits on bodily injury, property damage, medical payments, personal injury, and general aggregate limits. Once these are exhausted, the insurer may be freed from obligations, although you may still have to continue paying for the insurance until the end of the term. Therefore, it is crucial to ensure that the limits are reasonable and provide enough coverage.
  • The coverage provided by a commercial liability insurance can vary considerably, not only depending on the provider, but also on the type of business which seeks it and the risks to which its staff is exposed. For example, when applied to a retail business such as a large department store, this insurance may be focused on trip, slip, and fall coverage, while with a contractor offering roof repair services it’s more focused on the damages to property and other people that may result during roof replacements, repairs, and other related projects.
  • The number of years you have been in business is one of the key factors that affect the coverage and the premium. Naturally, the higher the level of experience your business has, the less risks the insurer is taking, and therefore the lower the premium.

Finally, it is essential to understand that a commercial liability insurance can only protect your business and bring you peace of mind if it is offered by a reputable and reliable insurance agency in Houston, such as Boardwalkinsurance.com, which has both the experience and the resources necessary to provide the insurance and resolve claims quickly and effectively. Boardwalkinsurance.com works closely with the most important insurance companies in the area, including AIG, Safeco, and National Lloyds Insurance to provide commercial liability insurance as well as a complete range of other insurance packages that include garage liability insurance, exotic car insurance, business auto insurance, and personal insurance. To get a quote now, you can use Boardwalkinsurance.com’s convenient and easy to use online quote forms.

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Garage Liability Insurance Versus Garage Keepers Insurance – What’s the Difference? 4.83/5 (96.67%) 6 votes

Garage keepers insurance is an optional type of insurance for businesses that run service stations or offer towing services which protects the vehicles of customers while these are receiving service or are parked or stored in a covered location. The extent of the protection depends on the coverage of the insurance, but it normally includes protection from collision, fire, and theft. Also, it’s interesting to note that businesses having multiple storage locations usually have to get a garage keepers insurance for each of its locations. In Texas, the garage keepers insurance is also known as storage location insurance.

Garage Liability Insurance

Garage liability insurance protects shop owners when incidents occur while work is being done on customers’ cars. For example, it protects mechanics if a car gets damaged at the shop. Any car shop or other business which handles customers’ vehicles needs a garage liability insurance, and especially service stations, towing companies, repair shops, and car dealerships.

A basic garage liability insurance covers the costs associated with injuries that occur in the shop, whether they involve company staff or customers. Policies with more extensive coverage also protect the company and its employees from discrimination, or the company from employee dishonesty, theft, or vandalism.

Both Are Important

As you can see, while the garage keepers insurance covers damage to customer’s vehicles, the garage liability insurance covers the company’s liability for operations and automobiles. A garage keepers insurance and a garage liability insurance are different kinds of policies, but they complement each other and are a must-have for any car repair, car dealership, car service, or any other business whose operations involves the towing and storage of customer’s cars, whether this is for a limited or extended period.  Also, it is important to keep in mind that the amount of coverage each of these policies offer depends on the insurance company that provides them.

Boardwalk Insurance’s Complete Garage Insurance Solutions

One insurance company that offers both garage liability insurance and garage keepers insurance, as well as business auto insurance and business liability insurance, is the Boardwalk Insurance group, an insurance agency Texas based which collaborates with the leading insurance companies in the area. The Boardwalk Insurance group offers these policies as part of its commercial line of services, providing good rates and flexible cover, depending on the needs of your business. To find out more about the company’s garage insurance services or to get a quote, please visit www.boardwalkinsurance.com.

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Boardwalkinsurance.com insuring your new car 5.00/5 (100.00%) 1 vote

In todays time, buying a car is slightly different than what it used to be a decade again. Policies are much stricter such as insurance and warranties, and many times people are not aware of what they do or don’t have as a part of these policies. When looking for exotic car insurance or an exotic car warranty it is important to get the proper type and go through the right insurance agency in Houston. Since there are so many agencies around it can be hard to select the right one for you since you won’t know how good or bad these companies are and how well they can meet your needs.

If you are looking for a reputable insurance agency in Houston then boardwalkinsurance.com is your best place for information. By offering great exotic car insurance and an exotic car warranty hard to beat by the competitors, they will be provide you with information on all questions you may have. When you select car insurance for you vehicle is it very important that you go through a reputable company. One such as this one does everything in their power to provide you with the top customer service as to assure that you are always pleased with their services without any complaints. Their customers come first and it is hard to find a car insurance company that does that for their clients.

When purchasing an expensive car such as a super car or an exotic car, it would benefit you greatly if you signed up for exotic car warranty and exotic car insurance the minute you sign the papers for you car and before you drive off the lot. This is because those cars can get quite expensive to maintain and repair if anything ever goes wrong so having your insurance or warranty take care of it for you would take a great deal of stress off your shoulders in the case of an accident or part failure.

Exotic cars are fun to drive, and definitely turn many heads as they drive down the street, and that is why you should always get the proper protection for your car in case it is ever in an accident or a part ever is worn out and needs to be replaced. This way instead of having to worry about how you’ll fix or take care of such an expensive car,  you can let the experts worry about it while you relax. Warranties and insurance always come in handy, especially when we’re the ones they are helping and it when they are able to fix our property.

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Finding an Auto Insurance Policy 3.71/5 (74.29%) 7 votes

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.

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Insurance for Auto Repair Facilities, Mechanics Garages and Auto Body Shops 5.00/5 (100.00%) 1 vote

Why do auto repair shops need to carry insurance?
•    Fire, wind or water damage to the building
•    Theft, destruction or disappearance of business personal property
•    Business income/extra expense loss
•    Failure of mechanical equipment
•    Customers slip and fall in shop area, lobby or parking lot
•    Liability claims from improper work
•    Accidents/damage to vehicles on test drives
•    Customer vehicle theft or vandalism
•    and much more…
Boardwalk Insurance Group specializes in insuring auto repair shops and mechanics garages.  Our specialty products include the following coverages:
•    Special Form including full theft coverage
•    Full theft limit is provided with central station burglar alarm protection
•    Coverage available for both mechanical and body shops
•    Value Plus Endorsement available
•    Sign, Fence & Outdoor Equipment Coverage
•    Accounts Receivable and more available (with Value Plus endorsement)
•    Replacement cost coverage on building(s) and business personal property
•    24 Hour claims contacts available
•    Business income and extra expense coverages
•    Equipment Breakdown coverage included
•    Garage liability insurance
•    Garage keepers insurance
•    Commercial general liability insurance
•    Commercial property insurance

Types of businesses we can provide insurance for:
•    Auto Repair Shop
•    Mechanic’s Garage
•    Auto Body Repair Shop
•    Auto Dealer / Dealership
•    Non-dealer shop
•    Auto Detail Shop
•    Car Stereo / Audio Shop
•    Performance Shop
•    Custom Equipment Installation Shop
•    Carwash
•    Independent or Franchised
•    and many more

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