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

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

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

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

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

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

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

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance for various lines of businesses and is licensed in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

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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 or your business have either above ground and/or underground storage tanks on your property, you are required to carry a storage tank pollution liability insurance policy.

Luckily for you, insurance for the various types of storage tanks are pretty standard, making it easy for insurance agents to quote them.  Some insurance companies or insurance brokers even offer online quotes for agents to provide to their customers.  Although the coverages for storage tank pollution liability insurance may be cookie-cutter, the pricing (also known as premium) and deductibles most definitely are not.

Independent insurance agents are the best when it comes to storage tank pollution liability insurance products.  They have access to a variety of insurance companies and insurance brokers, allowing them to shop on behalf of the customer.  Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance products.  The agency has several locations and is licensed in over 25 states in the US.  Their process to quote storage tank liability insurance is simple and fast.  Turnaround time for most is less than 24 hours.

Here are some product highlights:
•    $350 minimum premium
•    Limits available from $500,000 to $5,000,000 per incident
•    Coverage for third-party bodily injury and property damage claims resulting from pollution conditions from scheduled tanks
•    Provides coverage for corrective action due to releases from tanks
•    Policy/Certificate satisfies federal requirements for financial responsibility if needed
•    UST policies are issued with standard insurance companies
•    AST and AST/UST policies are issued with surplus lines insurance companies

Our Typical Client Profile
•    Commercial / Industrial Facilities
•    Schools, Colleges, Universities
•    Gas Stations
•    Retail Stores including Convenience / Grocery Stores
•    Auto Dealerships
•    Municipalities
•    Airports
•    Hospitals
•    Manufacturing Plants
•    Oil and Lube Shops
•    Mechanics Garages
•    Auto Body Shops

Restrictions
•    USTs installed prior to 1975 and coverage with capacities greater than 49,999 gallons are ineligible for quick quotes. However we do have other options that for these types of tanks.

If you require a quote on a storage tank liability insurance product, contact us today. Our friendly and knowledgeable representatives are standing by to assist you.

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

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance for various lines of businesses and is licensed in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

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Whether you are a general contractor, a sub contractor or something in between, you need to maintain a proper commercial insurance policy at all times.  The cost of your insurance coverage is dependent on several factors, but most importantly, your projected annual gross receipts.  In terms of insurance, this makes sense because the more money your business makes, the higher the chances of a loss.

At Boardwalk Insurance Group, we offer commercial general liability insurance for all types of contractors.  We also have specialty programs for contractors who are in the following types of businesses:

•    General Contractors
•    Plumbing
•    Roofing
•    Air Conditioning / Heating
•    Artisan Contractors
•    Carpentry
•    Electrical Wiring
•    Masonry
•    Door Installation
•    Painting / Paperhanging
•    Concrete / Cement Driveways & Curbs
•    Parking Lot Striping
•    Carpet / Tile / Marble Installation
•    Debris Removal
•    Drywall
•    Excavation
•    Grading of Land
•    Insulation Work
•    Plastering & Stucco
•    Siding Installation
•    Street Paving
•    Telephone Line Construction

Specialty programs designed for specific types of contractors allow you to save money while providing you with better coverages and more bells and whistles included within your policy.

When you work with a commercial insurance broker like Boardwalk Insurance Group, you can count on getting the best deal for all your insurance needs because we work with a network of insurance companies.  This allows us to shop on your behalf and provide you with several options, not just one "take it or leave it" quote.

If you are a contractor looking for better insurance coverage and less money out of your pocket, contact us today for your free quote.  Our trained professionals are standing by to assist you.

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

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance for various lines of businesses and is licensed in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, New York, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

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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 hotel or motel? If so, it’s critical that you have hotel insurance coverage in place at all times. 

Not only is it a requirement of your mortgage company, but hotels and motels are susceptible to a myriad of insurance claims on their commercial property insurance policy to their general liability insurance policy.  Some even experience claims which are high enough to reach their hotel umbrella insurance policy.

The cost of this insurance has been on the rise over the last 5 years due to the number of commercial property claims hotels and motels have been reporting.  We are seeing enormous losses from tornados, hurricanes and other wind and hail storms.  This has cause reinsurance companies to raise their rates which is passed down to insurance companies, then you, the insured. 

However, there is hope!  Specialty insurance agencies, like Boardwalk Insurance Group, have access to unique programs which have helped clients save thousands on their insurance coverage.  Their typical hotel and motel insurance package includes the following types of policies (can be purchased separately or all together):

• Commercial Property insurance (for your buildings and business personal property/contents)
• Commercial General Liability insurance (for claims from third parties)
• Commercial Umbrella insurance (for liability claims which exceed your commercial general liability coverage)
• Worker’s Compensation aka Work Comp or Workman’s Comp
• EPLI (Employment Practices Liability)
• Commercial Auto aka Business Auto (for hotel shuttle vans, etc.)
• Boiler & Machinery

Here are some common claims that occur at hotels and motels all around the US:

•    A guest stumbles down a stairwell and suffers a broken leg
•    A mirror falls from the wall and causes a laceration on a guest
•    A guests alleges that due to lack of proper security, their personal belongings have been stolen

Here are the standard coverages and features available with Boardwalk Insurance Group, with more available as the need arises:
•    General Liability with limits up to $1,000,000 occurrence/$2,000,000 aggregate
•    Commercial Excess General liability or Umbrella limits available up to $15,000,000
•    Hired and Non-owned Auto Liability
•    No General Liability deductible
•    Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
•    No inspection fees charged

•    Discounts available for:
1.    Risks built within the last 20 years
2.    National franchises
3.    Risks with inside room access only with changeable card entry
4.    For risks with swimming pools, if there is a lifeguard at all times when the pool is open

5. Multiple properties

Broad Eligibility To Include:
•    Up to 500 rooms per location with no cap on annual receipts
•    New Ventures
•    Risks with up to 2 swimming pools without diving boards or slides and with proper life safety controls
•    Risks with other commercial occupancies
•    Risks with restaurants on the premises (bars and/or major entertainment are ineligible)
•    Risks with fitness centers on the premises

If you own or operate a hotel or motel in any of the states below, you owe it to yourself to shop around for better insurance, not only in terms of pricing, but also in terms of coverage.  Contact Boardwalk Insurance Group today to get a free, no obligation quote.  Our process is simplified and doesn’t require much of your time.  You will not be disappointed.

Boardwalk Insurance Group

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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