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

TAG | commercial property insurance

Commercial Insurance for Small Businesses 5.00/5 (100.00%) 3 votes

Small businesses are important parts of any economy.  They have the flexibility and the service to meet changing demands and the ability to go the extra mile like big box stores do not.  Specialized commercial insurance for small businesses has the same flexibility and adaptability that small businesses give to their own customers.

Commercial insurance for small businesses gives small businesses the protection they need without many of the features needed only by small businesses.  Commercial insurance for small businesses is a big business insurance policy in a small package.

Businesses Covered:

  • BOP & Small Business
  • Commercial Auto
  • General Liability
  • Umrella / Excess Liability
  • Builders Risk
  • Property & Inland Marine
  • Work Comp
  • Farm & Ag
  • Bonds
  • And Many More

If you do not see your type of business listed, call to see if commercial insurance for small businesses can be written for your business.

 

Commercial insurance for small businesses provides important protection for important businesses at a more affordable price.  To find the best commercial insurance for small businesses, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best commercial insurance for small businesses available.

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Mobile Home Park Insurance 4.33/5 (86.67%) 3 votes

Owners of mobile home parks lease land to mobile home owners so that they can hook up their home and have somewhere to stay.  Like many other owners of property with tenants, they need insurance to protect them from any property damage or financial liability.

Mobile home park insurance gives property owners an essential level of protection.  Mobile home park insurance includes both property and liability protection from many different perils and situations.

Coverage Features:

  • No liability deductible
  • Assault or Battery coverage is provided at full limits for most accounts
  • Blanket Additional Insured coverage provided for no additional charge
  • No Animal Exclusion used unless prior animal loss history
  • Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
  • Full coverage provided for Mobile Home Parks with swimming pools, playgrounds or sport courts
  • Hostile Fire Exception to Pollution Exclusion

Liability Features:

  • Comprehensive coverage via an ISO Commercial General Liability coverage form
  • Liability limits available up to $1,000,000/$2,000,000
  • Additional limits up to $5,000,000 available through our Commercial Umbrella and Excess General Liability products
  • No Liability deductible
  • Blanket Additional Insured coverage provided for no additional charge
  • Coverage for owned units leased to tenants
  • Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
  • Pollution Exclusion to include Hostile Fire exception

Credits available when:

  • No owned mobile homes rented to tenants
  • No dogs permitted on premises and stipulated within lease agreement
  • Community property owner or manager lives on premises
  • Criminal background checks performed on all potential residents
  • No swimming pool or playground on premises

Property Features:

  • Value Plus-property enhancement endorsement providing 15 optional coverages
  • Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
  • Special cause of loss and replacement cost coverage is available
  • Older buildings are acceptable with a Functional Building Valuation Endorsement
  • Property Limits up to $1,500,000 available
  • All permanent structures (non-mobile home) can be schedule to policy

Why do you need to purchase a mobile home park product?

  • A tenant’s dog bites a neighboring tenant causing bodily injury
  • Injured claimant alleges park rules and guidelines regarding dogs were not enforced or regulated
  • A guest to the premises falls and sustains a fractured hip

Mobile home park insurance is an essential form of protection that is important to preserve the property owner’s business.

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Where to Find Cheap and Fast Commercial Insurance Quotes for Small Businesses and Owners 4.33/5 (86.67%) 3 votes

Small businesses are a very important part of the economy.  However, they face tough competition from large, name brand stores and frequently have to find unique ways to cut costs to lower their overhead and compete in a tough marketplace.  These small business insurance packages can help save money and protect the business.

Small business insurance takes big business policies and makes them more appropriate for the smaller settings that small businesses operate.  The coverage and limits of big business policies are generally not needed and small businesses do not want them.  This small business insurance package is perfect for many types of businesses.

Business types covered:

  • Grocery stores
  • Gas stations
  • Convenience Stores
  • Liquor Stores
  • Beverage Stores
  • Restaurants
  • Bars
  • Taverns
  • Clubs
  • Adult entertainment
  • Child care facilities
  • Janitorial contractors
  • Apartments
  • Rental dwellings
  • Homeowner associations
  • Condo associations

If you do not see your type of business here, contact Boardwalk Insurance to see if this policy can be adapted for your business

 

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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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Insurance for Non-Profit Organizations and Institutions 5.00/5 (100.00%) 2 votes

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

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.

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Pet or Animal Related Business Insurance Coverage 4.00/5 (80.00%) 1 vote

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.

 

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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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Commercial Insurance For Apartment Complex Owners and Apartment Complexes 4.33/5 (86.67%) 3 votes

Do you own, operate or manage an apartment complex located in Arkansas, California, Florida, Georgia, Illinois, Kansas, Louisiana, Minnesota, Missouri, New Jersey, Oklahoma, Texas or Wisconsin?  Have you noticed steady increases in your commercial insurance coverage over the years?  Do you need more coverages and lower deductibles?

If your answers is “Yes” to any of these questions, then you need to read on.  The insurance industry has seen enormous losses over the last few years thanks to natural disasters.  Many insurance companies who wrote commercial policies for apartment complexes have either pulled out of the market or have raised their rates to recoup some of their claims expenses.  This is understandable, but when will it stop?  For some apartment complex owners, the rates are so high that they run into losses.  And if your property is located in a coastal county, it’s nearly impossible to get proper coverage at a reasonable rate.

What’s the solution?  It’s time for you to shop around.  Boardwalk Insurance Group, for example, specializes in coverage for apartment complexes and apartment complex owners.  We specialize in providing insurance for apartment complexes, especially smaller property owners who cannot get the discounts available to entities with thousands of units or hundreds of millions in property values.

We know the apartment complex market and we understand your needs.  We also deal with “A” rated carriers who provide you with the bells and whistles you need in your policy to give you true peace of mind.

Coverage Highlights:

  • Building/personal property on replacement cost with no coinsurance
  • Loss of rents calculated on actual loss sustained
  • 180 days of extended period of indemnity for loss of rents
  • $2,500,000 demolition and increased cost of construction limit
  • $1,000,000 General Liability limit with $2,000,000 Aggregate limit
  • $1,000,000 Hired and Non-Owned Auto Liability
  • $5,000,000, $10,000,000 & $15,000,000 Excess Liability/Umbrella options
  • Boiler & Machinery coverage included
  • Coverage for fences, carports, signs, storage units and pools included
  • As low as a $10,000 deductible per occurrence
  • No deductible ($0) on General Liability claims
  • Great rates commercial property coverage, commercial general liability coverage and umbrella coverage for apartment complexes
  • And much more

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