Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

TAG | commercial insurance

Our Inland Marine Products Provide “All Risk” Coverage! 4.11/5 (82.22%) 9 votes

While the term ‘inland marine insurance’ is kind of a misnomer, it is still an important insurance policy to have.  Inland marine insurance is a very adaptable and flexible type of policy that can be used in a variety of situations.  For the best protection, be sure you have inland marine insurance.

Inland marine insurance is designed to protect property in transit, especially high-value items such as tools and machinery.  Inland marine insurance is recommended for business owners, especially ones that travel for work or work with high value items.  Since it is such a flexible policy, inland marine insurance can prove invaluable for nearly any business.

Introducing an Inland Marine product that provides “All Risk” coverage.

Reasons for Inland Marine Select Coverage:

  • Damage by fire caused by mechanical breakdown
  • Arson of your equipment
  • Snow or ice damage
  • Vandalism or malicious mischief
  • Theft of items from your vehicle’s trunk or place of business
  • Lightning striking your equipment

Product Features:

  • Broad appetite for various classes of equipment including; medical, musical, DJ, photography, catering and sport equipment
  • Competitive rates based on type of equipment
  • Additional acquired equipment is automatically covered for up to 30 days (up to $10,000 per item)
  • Equipment leased, loaned or rented from others can be covered
  • Available on both a blanket and scheduled basis
  • Transit coverage is automatically included
  • Additional premium credits available

Limits of Insurance:

  • $500,000 limit of insurance*
  • Limit per individual piece of equipment varies by type
  • $2,500 maximum limit per item for blanketed equipment *$500,000 in Texas coastal areas which is $250,000 excluding wind and hail

Additional Advantages:

  • Low standard $500 deductible
  • Affordable $500 minimum premium
  • Contact within 24 hours of claim by an adjuster
  • Quick Quote turnaround

 

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Commercial Insurance with Same Day Quoting 4.40/5 (88.00%) 5 votes

Commercial insurance is crucial for any business.  The protection it affords can save a business from financial ruin due to any number of potential hazards.  Commercial insurance policies include both property and liability coverage.

Commercial insurance can be written to protect a variety of properties and situations.  Having protection through commercial insurance is important since it takes the financial obligation off of the business in the event of property damage, destruction, or a liability issue.  Commerical insurance offers a wide range of coverage for a wide range of premiums.

MULTI-LINE PRODUCT

•             1-4 Family Dwelling

•             Apartments

•             Artisans (12 classes)

•             Beauty/Nail Salon

•             Clothing Store

•             Consessionaires

•             Convenience Stores/Delicatessens/Grocery

•             Child Care – Commercial

•             Child Care – Residential

•             Electronic Store

•             Fitness Centers

•             Janitorial Services

•             Land Leased to Others

•             Laundromats

•             Lessor’s Risk Only

•             Liquor Stores

•             Main Street Mercantile

•             Mobile Home Parks

•             Office Product

•             Residential Condominium Unit Owners

•             Restaurants

•             Specialty Training Schools

•             Truckers

•             Vacant Building

•             Vacant Land

NON-PROFIT PRODUCTS

•             Community Associations

•             Condo Mini

•             Storefront Churches

SPECIAL EVENT PRODUCTS

•             Wedding Plus

•             The Long Shot – Hole in One

UMBRELLA/EXCESS PRODUCTS

Special Boardwalk Insurance Programs for Hotels, Dry Cleaners, Tattoo Parlors and More 3.75/5 (75.00%) 4 votes

Specialty businesses generally require specialty insurance to best protect the business and its assets.  With varying insurance policies for hotels, dry cleaners, tattoo parlors, and other businesses, Boardwalk Insurance Group has the flexibility to fit your needs.

Business insurance cannot be generalized to fit every business.  Each type of business has its own needs and potential liabilities, and requires a special insurance policy to best protect it.

Boardwalk’s current Programs include:

•     Hotels/Motels

•     Coin Laundries

•     Dry Cleaners

•     Religious Institutions

•     Pawnshops

•     Convenience Stores

•     Assisted Living Facilites

•     Tattoo Parlors

On each of these Programs – Boardwalk provides:

•     24-48 hour turnaround on most quotes with an effective date within the next 30 days.

•     Expertise on the above program classes of business

•     Competitive Pricing

•     Broad coverage designed specifically for that industry.

•     Industry specific contact lists at your request.

•     Program Flyers for a Mailing Campaign.

•     Product Guides for specific industries.

•     Industry Specific Applications

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Insurance for Electronic Stores and Retailers 4.67/5 (93.33%) 3 votes

Electronic stores and retailers generally carry many expensive electronics and other costly merchandise.  To protect your electronic store or retail business, good insurance is a must.

Insurance for electronic stores and retailers can protect many types of merchandise from many different perils.  With all the new expensive electronics entering the market daily, it is important to have adequate insurance in case the unexpected happens.

OUR PRODUCT IS DESIGNED FOR THE FOLLOWING TYPES OF STORES:

  • ·         Appliance
  • ·         Camera
  • ·         Computer
  • ·         Phone
  • ·         Radio
  • ·         Stereo
  • ·         Television
  • ·         Video Game

OPTIONAL COVERAGES INCLUDE:

  • ·         Loss of Income – 12 month Actual Loss Sustained Basis with a maximum limit
  • ·         Our Value Plus Endorsement
  • ·         Equipment Breakdown
  • ·         Non-Owned & Hired Auto coverage (no delivery service)
  • ·         Money & Securities coverage
  • ·         Signs coverage
  • ·         Glass coverage

 

An Electronic Store Owner Needs the Right Coverage:

  • ·         General Liability that includes coverage for mental anguish or emotional distress
  • ·         No Coinsurance clause on the property coverage
  • ·         Loss of income on an Actual Loss Sustained basis
  • ·         Peak Season coverage for Business Personal Property

Coverage Features:

  • ·         Business Policy Form
  • ·         General Liability that expands the definition of Bodily injury to include mental anguish or emotional distress with no deductible
  • ·         Non owned and Hired Car coverage
  • ·         Loss of Income on Actual Loss Sustained basis up to the stated limit
  • ·         No Coinsurance Clause; No Classification Limitation or Designated Premises Endorsement
  • ·         Personal Property of Others up to the Contents limit
  • ·         $5,000 Transit coverage
  • ·         Replacement Cost available
  • ·         Special Cause of Loss including theft available
  • ·         Value Plus Endorsement is available on account eligible for Special form offering 13 valuable coverage enhancements; including water backup, Money & Securities, Employee Dishonesty, Valuable Papers, Signs, Account Receivable and More
  • ·         Employee Dishonesty

 

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Pollution Liability for Contractors 4.00/5 (80.00%) 2 votes

If you own or work for a company that handles contract work in polluted areas, pollution liability insurance is a must.  Protecting you and you workers is imperative, and the pollution liability insurance covers many different contractors and many different situations.

While contractor jobs and situations vary, this pollution liability insurance helps protect contract workers in the event of an accident when pollutants are involved.  Independent insurance agencies are best when it comes to pollution liability insurance policies.  They have access to many different insurance companies and brokers, allowing them to shop around on behalf of their customer.  Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance products.  Boardwalk has several locations and is licensed in over half the United States.  Turnaround for most policies is less than 24 hours.

Policy Highlights

•     Occurrence or Claims Made Form

•     Nose Coverage and Prior Acts Available

•     Annual & Per Project Policies

•     Can add Transportation Pollution Liability for any/all of the Contractors Vehicles

•     Can add Site Pollution Liability for any/all Contractors Premises/Yard

•     Standard Limits:

•     Base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate is available. (lower limits also available).

•     Limits up to $6,000,000 are readily available on both an annual or per job basis.

•     Minimum Deductible: Deductibles start at $2,500 per occurrence

•     Minimum Premium: Starting at $2,000 for Occurrence Form Coverage

•     Note: Some classifications require higher minimum premiums.

•     Mold Coverage: Claims Made Form ONLY

•     Minimum premiums vary due to Location and Classification

•     Application Requirements:

•     Indications are usually available upon receipt and review of other companies’ complete submissions.

•     Oftentimes, we are able to bind the risk with other companies’ completed applications.

Contracting:

•     Above Ground Storage Tank

•     Build Back/Restoration

•     Carpentry/Framing

•     Carpet/Upholstery Cleaning

•     Concrete (Foundation)

•     Concrete (Other)

•     Construction (Residential)

•     Construction (Comm./Ind.)

•     Debris Removal

•     Demolition (Interior)

•     Demolition (Exterior)

•     Dredging

•     Drywall/Wallboard

•     Drillers (not oil & gas)

•     Electrical

•     Emergency Response – Fire

•     Emergency Response – Sewage

•     Emergency Response – Water

•     Excavation

•     Flooring

•     Furniture Moving

•     Grading of Land

•     HVAC

•     Industrial Maintenance

•     Insulations/Fire Proofing

•     Landscaping

•     Masonry

•     Mechanical Construction

•     Metal Erection

•     Mold Abatement

•     Painting (Interior)

•     Painting (Exterior)

•     Pile Driving

•     Plumbing

•     Refrigeration

•     Roofing (Hot tar)

•     Roofing (all other)

•     Salvage Operations

•     Sewer Main Construction

•     Street Road Contracting

•     Tank & Pipe Cleaning

•     UST (Removal)

•     Waste Water

•     Water Extraction

•     Water Main Construction

•     Welding

 

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Hotel or Motel Insurance Quotes Through Some of the Best and Cheapest Insurance Companies 5.00/5 (100.00%) 2 votes

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

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Event Liability Insurance for Weddings and Special Events 4.50/5 (90.00%) 2 votes

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.

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Commercial General Liability Insurance 4.50/5 (90.00%) 2 votes

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.

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Professional Liability Insurance for Various Professionals 3.67/5 (73.33%) 3 votes

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.

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May/10

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About Boardwalk Insurance Group

About Boardwalk Insurance Group 5.00/5 (100.00%) 1 vote

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

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

We specialize in all lines of insurance including:

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

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

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

Life Insurance

Health Insurance

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