What is inland marine insurance coverage? 

We are asked this question often.  Inland marine insurance is usually a "line" of coverage added on to a policy or sometimes purchased as a stand-alone policy.  Generally speaking, it covers goods in transit or projects under construction.  Although it’s generally a type of property insurance, some classes within inland marine only provide liability coverage.  It is derived from marine insurance, which covers items, whether in transit or not, while on water.  Once it gets to land, that coverage ends and inland marine picks up from there.

Typically, the following types of businesses require some form of inland marine insurance coverage:
Ambulance Equipment
Amusement Rides
ATM Machines
Band Uniforms
Catering Equipment
Mobile Concession Stands
DJ Equipment
Exhibition Property
Go Karts
Golf Carts
Janitorial Equipment
Laundry Equipment
Medical Equipment
Mortician’s Equipment
Musical Instruments
Photography Equipment
Pool Cleaning Equipment
Radio or TV Studio Equipment
Recording Studio Equipment
Rock Climbing Wall
Scientific Instruments
Sports Equipment
Theater Property
Vending – Candy/Snacks
Vending – Stamps
Vending – Videos
Videographer Equipment

As you can see above, all of these businesses are moving on a regular basis.

If you are in need of a quote on a class of inland marine insurance, contact Boardwalk Insurance Group, an independent insurance agency specializing in all types of commercial insurance products for consumers in 25 states. 

Inland Marine Product Highlights:
•    Discounts if in business with no losses for a minimum of three years
•    Discounts if items are brought back to owners place of business each day
•    Discounts if the business has a central station alarm
•    Discounts if all items are fives years or newer in terms of age
•    $500,000 limit of insurance
•    Limit per individual piece of equipment varies by type
•    $2,500 maximum limit on blanketed equipment

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.

agency · agent · alabama · arizona · arkansas · broker · california · class · colorado · commercial · connecticut · coverage · district of columbia · florida · georgia · illinois · inland marine · insurance · kansas · liability · louisiana · michigan · minnesota · missouri · nevada · new jersey · new mexico · New York · north carolina · oklahoma · property · quote · south carolina · texas · transit · utah · virginia · washington · wisconsin

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.

above ground · agent · alabama · arizona · arkansas · AST · auto · body · broker · california · cheap · college · colorado · commercial · connecticut · convenience · dealership · district of columbia · florida · garage · gas station · georgia · grocery · illinois · independent · industrial · insurance · kansas · louisiana · lube · mechanic · michigan · minnesota · missouri · municipality · nevada · new jersey · new mexico · New York · north carolina · oil · oklahoma · quote · school · shop · south carolina · storage tank pollution liability insurance · store · texas · underground · university · UST · utah · virginia · washington · wisconsin

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.

alabama · animal liability · arizona · arkansas · atv · business · california · celebrities · celebrity · colorado · commercial · company · connecticut · corn mazes · coverage · custom · dealer · displays · district of columbia · fireworks · florida · general · georgia · haunted houses · hay rides · illinois · insurance · insurance agent · insurance broker · jet ski · kansas · liability · liquor liability · louisiana · michigan · minnesota · missouri · motorcycles · nevada · new jersey · new mexico · New York · north carolina · oklahoma · operations · policy · premium · property · pumpkin patches · pyrotechnics · quote · rental · repossession · rv · south carolina · special event · speciality · spectator liability · storage · texas · tours · trackless trains · unique · used car dealer · utah · virginia · washington · watercraft · wisconsin · wrongful repo · zip lines

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.

agent · alabama · auto · boardwalk insurance group · business · business owners · commercial · customer · garage · general liability · home · homeowners · hotel · insurance · motel insurance · property · quote · rental · shop · shuttle · van

Boardwalk Insurance Group, through it’s various carriers and brokers, has some summer specials for the following types of businesses or insurance types:

Building Renovation Insurance and Builder’s Risk Coverage
•    No restriction of length of vacancy
•    3, 6, 9 or 12 month terms available
•    Term extensions by simple endorsement
•    Replacement Cost & Special Perils available for buildings less than 25 years old

Child Care or Daycare Insurance
•    Wide variety of centers including residential homes, Montessori school, drop in centers, and many more …
•    Professional Liability included for no additional charge
•    Medical Payments coverage (including children enrolled in their care) is included
•    One of the broadest Molestation & Abuse forms in the industry
•    Defense Cost Reimbursement is available for accused insured once they have been acquitted or charges have been dropped

Commercial Umbrella and Excess Insurance
•    Over 700 quotable classes of business
•    Can quote over B++ or better rated carriers
•    Many quotes have an unsolicited Umbrella or Excess quote attached
•    Minimum Premiums as low as $400 for Excess and $500 for Umbrella

Concessionaire and Vendors Insurance
•    Variety of quotable classes including Hot Dog Vendors, News Stands, Mall Kiosks, Christmas Tree Lots, Flea Market/Fair Show vendors
•    New Ventures
•    Premium as low as $275
•    Inland Marine coverage for Stands and Miscellaneous items

Special Event Liability Insurance
•    Event types include: Beer Garden/Tents, Competitions or Shows, Concerts, Fundraisers, and Sporting Events
•    Up to 10,000 attendees
•    Set-up and take-down coverage available
•    Rain date coverage available

Insurance for Training Schools
•    Over 30 quotable Classes
•    Professional Liability automatically included on most classes
•    Molestation and Abuse available for many classes
•    Up to $3,000,000 in annual receipts
•    3, 6 , 9 or 12 month terms and short term extensions available

Truckers General Liability Insurance
•    New Ventures are eligible
•    Ability to offer Blanket Additional Insured
•    Up to 20 units
•    Rated on number of Power Units
•    Non-auditable policy

Vacant Building Insurance Coverage
•    No restriction on length of vacancy
•    3, 6, 9, or 12 month terms and short term extensions available
•    Replacement Cost & Special Perils available for building less than 25 years old

Insurance on Vacant Land
•    Up to 1,000 acres per location
•    Urban, suburban, or rural exposures
•    Lakes and ponds on property are eligible
•    Fencing of property not a requirement
•    Land waiting to be developed in the future is eligible
•    3, 6, 9, or 12 month terms and short term extension available

Liability Insurance for the Office
•    New Ventures
•    Available on Business Owners coverage form
•    Up to 25,000 square feet
•    Automatically included $25,000 for Electronic Date Coverage
•    Professional Liability sublimit of $25,000 automatically included on most classes

We have the products and know how to help our clients with all of their insurance needs.  Boardwalk Insurance Group represents several "A" rated and higher insurance companies and caters to businesses in over 25 states in the US.

If you are a business owner or manager, contact us for advice, education or to get a free quote. It’s unbelievable how much money we’ve saved our clients over the 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.

builders risk · building · building renovation · child care · commercial · concession stand · concessionaire · day care · daycare · excess · insurance · land · liability · office · property · school · special event · special event insurance · specialty · training · truck · truckers · umbrella · vacant · vendor

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.

agent · attorney · attorneys · boardwalk insurance · cheap · commercial · e and o insurance · e&o insurance · fast · insurance · law · law firm · law firms · lawers · lawfirm · lawfirms · lawyer · liability · practice · professional liability · program · virginia

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.

agent · arizona · arkansas · boardwalk insurance · bottle · business · california · colorado · commercial · concession stand · concessionaires · connecticut · county fair · district of columbia · drink · event · flea market · florida · general liability · georgia · illinois · insurance · kansas · liability · liquor · louisiana · michigan · minnesota · missouri · nevada · new jersey · new mexico · New York · north carolina · office · oklahoma · show · snack · south carolina · swap meet · texas · utah · vendor · virginia · warehouse · washington · wisconsin

Does your business own a fleet of vehicles?  If so, you should know that you can save a significant amount of money by purchasing a commercial auto insurance policy specifically designed for fleets.  Big discounts are available if your vehicles are lumped together on a policy.

Boardwalk Insurance Group can help you find the right coverage for your business.  Here are some features:

• 10 or more vehicles required
• All business types considered
• It doesn’t matter what your radius of operation is
• Shock loss ok
• Nationwide travel ok

Preferred Business Types:
•    Cement Mixers
•    Hot-Shot Trucking
•    Municipalities (Police & Fire Vehicles Included)
•    Logging Contractors
•    Limousines
•    Charter Bus / Van
•    Employee Transportation
•    Emergency & Non-Emergency Medical Transport (Lifts OK)
•    Specialty Autos (Custom Built, High Value, Unique Permanent Mounted Equipment)

For your free quote, contact a representative at Boardwalk Insurance Group through our secure website or by phone.

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

Boardwalk Insurance Group is an independent insurance agency specializing in various lines of insurance 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.

arizona · arkansas · auto · california · colorado · commercial · connecticut · district of columbia · fleet · florida · georgia · illinois · insurance · kansas · louisiana · michigan · minnesota · missouri · nevada · new jersey · new mexico · New York · north carolina · oklahoma · quote · south carolina · texas · utah · vehicles · virginia · washington · wisconsin

If you own land, you may think that there is no need to carry insurance.  Whether your land is being used or not, it’s important that you know that claims can still arise.  There is vacant land insurance available to you.  However, in this article, we will discuss insurance for land you own, but lease to others.  It’s imperative that you also carry insurance.  Here’s why:

•    To protect your insurable interest as a landowner
•    In case a passerby trips and falls on a raised piece of sidewalk in front of  premises
•    No liability deductible
•    Defense costs provided outside the limit of liability
•    Hostile fire exception to pollution exclusion
•    Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
•    Credits Available:
1.    Applicant requires all commercial tenants to name the applicant as an additional insured
2.    Lease requires tenant(s) to maintain and/or repair the premises, including keeping the premises free of snow and ice, adjacent to any building e.g. sidewalks, driveway and parking lots

Product Features:
•    Limits available up to $1,000,000 per occurrence/$2,000,000 aggregate and up to $5,000,000 in excess
•    Low minimum premiums (starting at $400)
•    Credits available for:
1.    Applicant being named as an additional insured to tenant(s) general liability policy
2.    Applicant’s lease requires tenant(s) to maintain and/or repair the premises

Coverage Available:
•    Up to 1,000 acres per location
•    Lakes and ponds up to 25 acres in size
•    Land being used for:
1.    Equipment storage or vehicle parking
2.    Auto sales lots
3.    Building on the premises (Only land is leased-building owned by lessee)
4.    Animal grazing
5.    Crop farming
6.    Athletic fields
7.    Hunting

If you own land that you are leasing to others, it’s important that you carry insurance to protect you, your family and your business from potential claims.  Boardwalk Insurance Group, through our various brokers and carriers, can help.  Contact us for a free quote by phone or by filling out one of our forms on our website.  A friendly and knowledgeable representative will 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 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 · california · colorado · commercial · connecticut · district of columbia · florida · general liability · georgia · illinois · insurance · kansas · land · leased · louisiana · michigan · minnesota · missouri · nevada · new jersey · new mexico · north carolina · oklahoma · others · property · purchased · residential · south carolina · texas · utah · vacant · virginia · washington · wisconsin