If you are a founder, director or board member of a non-profit organization, it’s important your organization carry insurance to protect the future of your organization as well it’s member-base/contributors and directors and officers. 

Non-profit organizations generally require commercial general liability insurance, directors and officers liability insurance, employment practices liability insurance, commercial property insurance (if they own real property), umbrella coverage, special event liability insurance and liquor liability insurance.  Most will require all of the above, but some are able to pick and choose which coverages they need.

There is good news for you: Available to you are specialty insurance companies, insurance agents and insurance brokers who cater to non-profits.  Additionally, package products are available from insurance companies which provide these organizations with all the coverage they need and include many bells and whistles for additional protection.

Boardwalk Insurance Group is an agency with such a program through it’s various insurance companies and insurance broker relationships.

Types of non-profit organizations eligible include:
•    Chambers of Commerce
•    Foundations / Community Foundations
•    Trade Associations
•    Business Associations
•    Art/Culture Associations
•    Charitable Associations
•    Booster Clubs
•    Religious institutions
•    Churches, Mosques, Synagogues, Temples, etc.
•    Sunday schools
•    Educational facilities

A typical non profit organization insurance policy package policy includes:
•    Only a $500 Minimum Premium for General Liability and Property combined
•    No General Liability Deductible
•    General Liability coverage included for volunteers
•    Hired & Non-Owned Auto coverage available in most states
•    Property is on Special form with Replacement Cost coverage
•    $5,000 of Business Personal Property coverage included
•    Equipment Breakdown coverage available
•    Options for adding: Employee Dishonesty, Money & Securities and many others
•    Separate Limits of Liability for Directors & Officers and Employment Practices Liability Claims
•    Unlimited Defense Costs outside the limit
•    Outside Directorship Liability coverage
•    Coverage for both Monetary and Non-Monetary Claims
•    Full Prior Acts coverage
•    Lifetime Occurrence Reporting Provision for former Directors and Officers
•    Free Human Resources Hotline with unlimited number of call and no time limits
•    No Intentional Acts Exclusion on Employment Practices Liability coverage
•    Automatically includes 3rd party discrimination and harassment
•    Policy can include three events with up to 100 attendees within the policy premium
•    Ability to include Liquor Liability in most states for events
•    Ability to consider events with up to 5,000 attendees

So if you are involved in a non-profit organization and you would like to see them carry adequate insurance coverage while saving them money, you should contact a representative at Boardwalk Insurance Group.  This independent insurance agency will take time to understand what your organization does and will custom-tailor an insurance policy which meets your needs, while exceeding your expectations.  The application process is simple and quotes can be obtained with 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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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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Insurance companies like to make cookie-cutter offerings on their insurance products.  This allows them to know a specific type of risk well and therefore, better analyze the coverages, premiums and predictable losses on any given insured.

However, there are a variety of businesses or individuals who do not fit the norm, but still require an insurance policy.  We’ve all heard how some celebrities insure their body parts…this is a prime example of an insurance policy which is beyond normal and has to be custom tailored for an individual.

There are many other types of policies that most insurance companies won’t touch.  They include insurance for the following:

Fireworks:
Pyrotechnics
Fireworks Displays
Storage
Commercial property
 
Vehicle Related:
Repo
Used Car Dealers
Recreational Vehicles
Liability
Wrongful Repo
ATV tours and rentals
jet ski rentals and operations
Personal watercraft
Motorcycle dealers
 
Special Event Insurance:
Spectator liability
Liquor liability
Animal liability
 
Others Specialty Businesses:
Haunted houses
Pumpkin patches
Hay rides
Corn mazes
Zip lines
Trackless trains
and many more. 

If you are having a hard time finding insurance because your agent cannot find an insurance company for you, it’s time you contact Boardwalk Insurance Group.  We specialize in hard-to-place insurance risks and have many options available through our network of insurance companies and insurance brokers.  This is an arena in which independent insurance agents shine.  Contact one of our knowledgeable representatives today for your free 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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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 own or manage a business that deals with environmental products and/or services, we have special programs available in terms of your commercial insurance requirements.

Whether you are a contractor (environmental or non-environmental), a consultant, a microbrewery, an analytical lab, or a crime scene cleanup company, we have something that will greatly benefit you in terms of coverage and pricing.

Preferred Risks:
 
Environmental Contractors
•    Asbestos, Lead, Mold and PCB Abatement
•    Soil, water and ground water remediation
•    Storage tank installation and removal
•    Emergency response and hazardous material clean-up
•    Lab packing, medical wastes and drum handling
•    Environmental drilling and sample collection
•    and many more…
   

Environmental Consultants
•    Phase I, II, III survey consultants, remedial design, implementation, oversight asbestos, lead, mold surveying and abatement design, environmental regulations, compliance and permitting waste arranging/brokering

Non-environmental contractors pollution
•    Carpentry
•    Plumbing
•    Electrical, HVAC/mechanical
•    Concrete/masonry
•    Insulation, excavation/grading
•    Industrial cleaning
•    Painting
•    Roofing
•    Utilities
•    Street/road
•    Oil/gas lease operations
•    Drilling (oil, gas, water)

We have the markets and knowledge to help you with the items listed above and much more.

Boardwalk Insurance Group represents several "A" rated and higher insurance companies that specialize in environmental risks.

If you are in such a business, contact us for advice, education or to get a free 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: 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 proud to offer EPLI (employment practices liability insurance) for the following types of healthcare businesses:

•    Doctor and dentist offices
•    Nursing homes
•    Specialty outpatient facilities
•    Medical and dental labs
•    Health and allied services

Our EPLI products offer you more coverage along with reduced rates as compared to what you have now.  We are able to quote you with a stand alone EPLI policy or with a package including other coverages you need, such as commercial general liability insurance, contents coverage, etc.

Our EPLI features include:
•    Insurance companies rated "A" or higher by A.M. Best
•    No minimum premiums
•    Limits up to $2,000,000 and retention amounts (deductible) as low as $2,500
•    Full prior acts coverage
•    Third-party coverage available for most classes
•    Defense outside the limit available
•    Coverage available for many hard to place business types
 
Our quoting process is very easy and we are able to provide quotes using our online rating engine.  In just minutes, we can provide you a quote for EPLI coverage.

Other than basic contact information, all we need to know is:

•    What type of business you’re in
•    Years in business
•    Number of employees you have
•    Layoff activity (if any in the past)
•    Any prior claims activity

If you are ready to get a better EPLI policy while saving your business money, contact Boardwalk Insurance Group for your free, no-obligation 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: 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 the owner of a small business, you more than likely need to carry some form of insurance.  Your landlord will want you to carry commercial general liability coverage to protect their investment and you will want to cover your business assets and contents in case of fire or theft.  Insurance for small business owners can be affordable if placed with the right insurance company. 

Boardwalk Insurance Group has a variety of insurance plans designed for small business owners.  We have specialty programs for the following types of businesses:

•    Ice cream stores and shops
•    Dry cleaners
•    Mailbox and postal shops
•    Restaurants, cafes, coffee shops and food delivery businesses
•    Convenience stores
•    Shoe stores
•    Clothing stores
•    Electronics shops
•    Appliance sales and repair
•    Mechanics, auto detailers, auto dealers, and car service shops
•    Gas stations
•    Barber shops, nail salons, waxing boutiques
•    Flower shops
•    Pharmacy
•    Limo drivers and companies
•    Delivery companies and couriers
•    Shuttle services
•    And many more

Typical Product Features:
•    Business owners Form (If eligible)
•    Package
•    Monoline Liability
•    Monoline Property

Broad Eligibility Requirements
•    Over 75 Classes selected for preferred treatment
•    Up to $3,000,000 in annual sales
•    New ventures eligible
•    Low Minimum Premiums

Liability Features:
•    Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
•    Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress  
•    No Liability Deductible
•    Pollution Exclusion has Hostile Fire Exception
•    Hired and Non-Owned Auto Liability Coverage available
•    Commercial Excess General Liability, Umbrella available up to $5,000,000

Property Features:
•    Broad Property Coverage using ISO’s April ’02 coverage form
•    Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
•    Value Plus Endorsement available providing 15 coverage extensions and enhancements
•    Special Cause of Loss and Replacement Cost available
•    Up to $3,000,000 in Property limits, $500,000 in all Coastal Areas

For your free quote, contact Boardwalk Insurance Group today.  Agents are standing by to service you.

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.

arizona · arkansas · business · california · colorado · commercial general liability insurance · connecticut · district of columbia · florida · georgia · illinois · insurance · kansas · louisiana · michigan · minnesota · missouri · nevada · new jersey · new mexico · north carolina · oklahoma · owners · small business · south carolina · texas · utah · virginia · washington · wisconsin

Boardwalk Insurance Group has been writing various Professional Liability Insurance accounts fr several years. As a business owner, you don’t want to take chances with your valuable business. We have markets for most classes and here is a partial list of risks we write often:

Allied Healthcare
Architects & Engineers
Billing Services
Claims Adjusters
Consultants – all classes
Convention/Events Planners
Employee Screening
Expert Witness
Home Inspectors
Insurance Agents
Information Technology
Media/Publishing
Medical Billing
Mortgage Field Services
Payroll Services
Property Managers
Real Estate Agents
Surveyors
Tax Preparer/Bookkeeper
Technology
Title Agents
Travel Agents

If you don’t see what you need 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.

arizona · arkansas · business · california · colorado · connecticut · district of columbia · florida · georgia · illinois · insurance · kansas · liability · louisiana · michigan · minnesota · missouri · nevada · new jersey · new mexico · north carolina · oklahoma · professional · south carolina · texas · utah · virginia · washington · wisconsin