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

TAG | connecticut

Commercial General Liability Insurance for Oil and Gas Service Businesses 4.50/5 (90.00%) 2 votes

The commercial oil and gas industry can come with high risk but has extremely high rewards.  Businesses involved in the oil and gas industries need protection for their employees, including commercial general liability insurance.

Commercial general liability insurance provides an invaluable level of protection for businesses involved in the oil and gas industries.  This commercial general liability insurance covers a variety of businesses related to the oil and gas industries, including lease operators, perforation services, and equipment on site.

Coverages offered

General liability

  • Oil and gas businesses to which this applies
    • Oil and gas leas operators and non-operators
    • Perforation services
    • Leasing or renting of down hole tools or lease site equipment
    • All oil and gas related contractors, both over the hole and not over the hole

Excess Liability

  • Limits available up to $5,000,000

Hired and non-owned auto

Coverage Highlights

  • Sudden and accidental; time element pollution (30/90), including voluntary 1st party cleanup costs
  • Underground resources and equipment
  • Blanket waiver of subrogation
  • Blanket additional insured/primary and non-contributory
  • Ability to write new ventures

States Approved:

  • AK, AL, AR, CO, IL, ID, KS, KY, LA, MI, MO, MS, ND, OH, OK, TX, UT, WV, WY, (CA and NM coming soon)

Minimum Premiums

  • $2,000 – contractors – NOT over the hole (excluding pollution, underground resources, blowout, cratering and explosion, and underground equipment)
  • $2,500 – Contractors – NOT over the hole (broad form)
  • $3,500 – Lease operators/non-operators (broad form)
  • $5,000 – Contractors – over the hole (broad form)

Submission Requirements

  • Appropriate ACORD applications
  • 3 years currently valued loss runs, for each line submitted
  • Appropriate supplemental applications (operator, contractor, pipeline)
  • Well schedule (operators/non-operators)
  • Expiring and target premiums
  • Need-by Date

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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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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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