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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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.

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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.  Since Boardwalk is an independent insurance agency, we represent several insurance companies and insurance brokers, giving us the opportunity to shop insurance coverage for our clients.  This assures you get the best deal, not only in terms of pricing, but also for the coverages you need in your specific situation.

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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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.

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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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