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How to Be Sure You Are Getting the Best Deals from Your Insurance Agency in Texas 5.00/5 (100.00%) 1 vote

Boardwalk Independent Insurance Agency in Texas is hard at work producing the most appropriate types of coverage for the many different types of businesses in Houston and the State. From garage keepers insurance to business auto insurance, the options can become very specific. Matching the best option to your situation is key to finding the best deal from an insurance agency in Texas.

But selecting the right coverage for your business shouldn’t be a stressful task.  Small business owners can take advantage of finding their perfect match by working with an independent insurance agency in Houston.

These independent insurance agents make the task of insurance shopping easier and remove the guesswork from what can be a confusing market. This article will provide you some of the basics of working with an Independent Insurance Agency in Houston, keep these in mind and you will greatly reduce your insurance premiums.

  • Get an Industry Expert

 As mentioned, there are many policies that have been tailor made to fit every need, if you find an independent insurance agent in Texas with a keen insight into the needs of a business in your industry, they will be able to find you the most cost effective policies and insurance providers that will keep your business protected and not paying a fortune in premiums.

  • Stick to the Essentials

 It is a common error for small business owners to take out every policy they think is applicable for their “baby”. The truth is, smaller businesses are not actually at the same risk levels as larger businesses, therefore they can be suitably covered with basic business liability insurance and maybe one or two others that an independent insurance agency like Boardwalk Insurance, would gladly recommend.

  • Talk to Several Providers

 Perhaps the most common piece of advice will ultimately guarantee you the best deal. By getting as many quotes as possible, you will be able to compare the value of the policies and their prices at a glance – make sure you actually walk away with the best deal.

 Independent Insurance Providers typically work with several insurance providers and this allows them to calculate the best deals for you and your business’ needs.

 Final Notes

The task of getting the best deal for your situation can be a tedious task and the successful outcome can require plenty of your time and focus that could be better spent attending to your business. Boardwalk Insurance, a leading Independent insurance agency in Texas, can apply their experience to finding you the best option and save you the effort. Don’t trust your luck here, get expert advice.

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What Type of Insurance Does Your Business Need? 5.00/5 (100.00%) 1 vote

Whether you own or manage a small local business, an online store, or a large company, insurance can protect your business from major as well as minor risks. Getting your business insured is a straightforward process. An experienced and transparent independent insurance agency in Houston can help you determine the right amount of coverage you need, as well as customize your insurance package, so that you get the best value for every dollar you spend on insurance. Some of the key insurance policies your business may need include:

Commercial Liability Insurance / Business Liability Insurance

This standard insurance policy protects your business from mistakes and accidents that can lead to physical injuries, psychological trauma, or financial loss. Regardless of the type of business you have, whether you manufacture products or sell food, customers and other people who visit your business location, come in contact with your employees, or use your products or services can start a lawsuit against you. Reasons vary from a faulty product or on-premise business prop that causes a physical injury, to a disgruntled employee who insults a customer, who then sues your company.

Commercial liability or business liability insurance can be effective against many different types of liability claims, including payments to claimants resulting from bodily injury, medical expenses, property damage, as well as legal costs you may incur during the defense. Coverage offered by a good insurance agency in Texas may include product liability, professional liability, and commercial property insurance.

Business Auto Insurance

Essentially, a business auto insurance policy protects the vehicles you use for business (including vans and trucks) from the dangers that may arise on the road. Coverage extends to company vehicles that are driven by your employees to work or to meetings with customers, as well as to deliver goods or drive other employees home. It’s similar to a personal car insurance policy, only that it applies to businesses.

Garage Liability Insurance

If your business sells, repairs, services, or tows cars, you need a garage liability insurance. This type of policy covers you against customer injuries that arise unintentionally at your shop, such as slips or falls, as well as discrimination and employee dishonesty claims. This kind of coverage is usually not included in a general business or commercial liability insurance policy.

Garage Keepers Insurance

Although it is often confused with a garage liability insurance, garage keepers insurance is a different form of insurance. It covers any damage to the vehicles in your care (your customers’ vehicles) that may accidentally arise while they are stored, repaired, or kept in your facility. An experienced insurance agent in Houston can further explain to you the differences between a garage liability and garage keepers insurance.

Regardless of the type of insurance your business needs, it’s important to work with an independent insurance agency in Houston that is transparent and can fully understand your business’ needs. At Boardwalk Insurance Group, we offer all of the above business insurance policies as part of our commercial insurance solutions.

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How to Lower Your Small Business Insurance Costs By Choosing an Independent Insurance Agency In Texas 5.00/5 (100.00%) 1 vote

Whether you’re shopping for commercial liability insurance, garage keepers insurance, or some other type of insurance for your small business, sifting through all your options to find the policy that offers you the most coverage at the best price can be stressful. That’s where an independent insurance agency in Houston can make things easier for you. Independent insurance providers can not only relieve you from the stress and the pitfalls of the hunt for insurance, but also lower your insurance costs.

Independent Insurance Agency

Choose An Independent Insurance Agency In Texas That Understands Your Industry

Independent insurance agents often specialize in finding insurance solutions for specific industries. They can draw on their experience in that industry to understand the needs of your business and how much coverage you actually need. If you have little to no experience with insurance policies, navigating your way through the labyrinth of clauses and requirements can be an onerous task.

Get Quotes From Multiple Carriers

Whether you’re shopping for a basic business auto insurance or a comprehensive garage liability insurance, the best way to find an affordable policy that provides excellent coverage is to get quotes from as many carriers as possible. An independent insurance agency in Texas can do just that.

Established independent agencies work with many different specialized carriers. At Boardwalk Insurance, we partner with over 24 carriers to find the best policy for you. Also, we use the latest insurance comparison software to find the optimal balance between cost and value.

Make Sure You Don’t Buy More Coverage Than You Actually Need

When shopping for business insurance on your own, it can be easy to err on the side of caution, especially if you’re dealing directly with insurance companies, which naturally want you to get as much coverage as you can pay for. Unlike big companies, many small businesses tend to be exposed to fewer risks, and this can mean cheaper insurance policies. But assessing these risks requires experience, both in the industry and in the insurance business, and an independent insurance agent can again help here.

Save Money By Saving Time

The hunt for an insurance policy, the endless comparisons, quotes, and inquiries, the paperwork and, later on, the legal conundrums that misunderstood clauses or delayed claims can give rise to can become a time sink if you don’t have an insurance expert in your team. Dealing with all of these will take up precious time that you could otherwise invest in your business. By teaming up with an independent insurance agency in Houston such as Boardwalk Insurance you can avoid all these inconveniences.

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Why Choose An Independent Insurance Agency In 2016 4.67/5 (93.33%) 3 votes

Whether you’re shopping for commercial liability insurance, exotic car insurance, garage liability insurance, or any other type of insurance policy in Houston, you have to choose between “captive” agencies and independent agencies. While captive agencies represent just one insurance provider, independent agencies represent several. Choosing an independent insurance agency in Houston has a number of benefits which can have a major impact on your decision.

More coverage options and price points

Because an independent insurance agency in Houston partners with several different insurance companies, they are able to compare different options in order to find for you the insurance policy that provides the best coverage at the best price. This can be especially important when it comes to more specialized policies such as exotic car insurance or garage keepers insurance, which not all insurance companies offer.

One application spares you the trouble of multiple applications

When working with different captive agencies or agents, you have to send a separate quote application to each of them. With an independent agency, on the other hand, one application is enough for you to get quotes from multiple insurance companies. This speeds up the search for the right insurance policy for your needs.

A personal adviser guides your decision

Any well-established insurance agency in Texas will offer you your own personal adviser, who can use his or her experience and insight into the insurance world to help you determine how much coverage you actually need and how much you can afford to pay on insurance every year. What’s more, a personal adviser can answer any questions you may have regarding your insurance policy, explaining for example the differences between an exotic car insurance and an exotic car warranty or between a garage liability insurance and a garage keepers insurance.

Complete coverage for all your insurance needs

Because an independent insurance agency in Houston brings together different kinds of insurance options from multiple providers, it can offer you a complete solution to all your insurance needs. If alongside your auto or home insurance you also need business auto insurance or business liability insurance, you may be able to get them all in one place, and sometimes at a discount, too. Shopping for insurance can be a time-consuming, even stressful process, but an independent insurance agency can make it less of a hassle by managing your insurance policies for you.

Last but not least, an independent insurance agency in Houston can offer you more flexibility than a captive agency, not only during the insurance buying process, but also after you sign the papers. If you want to change your insurance later on, an independent insurance agency provides you with far more options. To discover all the benefits of using an independent insurance agency, call now Boardwalk Insurance toll free at 1.866.595.4077 or by using this contact form.

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5 Factors to Consider When Choosing An Insurance Agency in Houston 4.75/5 (95.00%) 4 votes

Like all large cities, Houston has its fair share of insurance agencies, some of them large, others tiny. Whether you represent an organization or are an individual, whether you need garage liability insurance, exotic car insurance, or commercial liability insurance, you want to make sure you consider the right factors when determining which insurance agency in Houston you put your trust on. Here are the key factors you should keep in mind.

Size – Big or Small?

Although smaller agencies have fewer customers and are, in theory at least, likely to offer you better deals and a more personal service, the fact of the matter is that small agencies often work with the same insurance providers as large ones. In other words, the size of the agency shouldn’t be the main factor on which you base your decision.

Type – Captive or Independent?

A far more important consideration than size is whether the agency you choose is captive or independent. While a captive agency works only with a single insurance provider, and is limited by the offers and the requirements of that provider, an independent agency is free to choose the insurance companies with which it collaborates. The benefits of using an independent agency boil down to a wider selection of policies, more options to choose from, as well as better rates, since you can compare providers.

Cost

Although cost isn’t always the best determining factor when comparing insurance agencies, you should of course sample a few offers from different agencies and compare them. When comparing the cost of the insurance, consider not just the cost of the deductible, but also that of the co-pay and out-of-pocket limit.

Coverage

You want to make sure that the policies your insurance agency are offering provide enough coverage. Enough is here, of course, a relative word. Instead of looking only at the sum of money paid as coverage, consider the small print, the limitations and requirements for the coverage to be paid in the eventuality of an accident, as it may differ from company to company.

Policy Availability

If you run or manage a business, you probably don’t need just one type of policy, but several. For example, if you run a car body shop or a car repair shop, you will need not only business liability insurance, but also garage liability insurance and garage keepers insurance. Being able to obtain all the policies you need through the same insurance agency isn’t only convenient, but may also help you pay less for them, and enjoy other benefits as well.

If you are looking for an established and reliable insurance agency in Houston, you may want to take a look at Boardwalk Insurance, whose commercial as well as personal lines of insurance cover the whole gamut of insurance needs that individuals and organizations in Texas have. Boardwalk Insurance is an independent agency that works with the major insurance companies in the region and provides complete coverage. Learn more about our services at www.boardwalkinsurance.com.

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Business Liability Insurance For Small Business – Why Its So Important 4.67/5 (93.33%) 3 votes

A general business liability insurance is one of those key insurance solutions offered by insurance agencies in Houston, including Boardwalk Insurance, that small businesses cannot do without. At first glance, it may seem that a business liability insurance or commercial liability insurance, as it is also called, is for large businesses only, and that small businesses could spend their small budgets on other things. That cannot be farther from the truth. Like any type of business, small business is risky, and without adequate coverage, the small business owner can find himself or herself in some really bad situations involving property damage, bodily injury, or out-of-court settlements.

General Business Liability – Essential Business Coverage

That’s where general business liability insurance comes in. This comprehensive insurance solution protects a small business owner as well as his or her employees from bodily injury or property damage claims made by customers. Regardless of the type of the business in question, such claims are inevitable over time, and often result in litigation and settlements which can cost a business thousands of dollars in attorney expenses, medical expenses, and out-of-court settlements. Any of these can destabilize a small business and put the owner in the unpleasant situation of having to pay money out of pocket or even to have recourse to loans to pay off expenses.

Furthermore, general liability insurance protects a business from what is dubbed in insurance jargon ‘advertising injury’, and which can include accidental copyright infringement through a marketing campaign or event. More than financial security, a general business liability insurance brings a small business owner peace of mind — should an accident involving his or her property or products occur, the policy bears the brunt of the consequences.

What Coverage a Small Business Needs

It is important to understand, however, that business liability insurance isn’t the only type of insurance a small business needs to be well covered from accidents and other unpleasant occurrences involving customers, employees, and business property. For protection against auto accidents, a small business needs business auto insurance. Car body shops, repair shops, or cleaners, as well as any other business that stores customer cars’ on its premises needs garage liability insurance and garage keepers insurance. Employee injuries, on the other hand, are covered by a workers’ compensation.

As you can see, business liability insurance is essential for any business. But other types of insurance are also necessary. At Boardwalk Insurance, we are an insurance agency in Houston that offers a complete range of business insurance policies to fully protect small business owners from unfortunate occurrences, including garage liability insurance, garage keepers insurance, commercial liability insurance, business auto insurance, professional liability insurance, and more. To find out more about our comprehensive small business coverage, don’t hesitate to contact us.

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What to Look For In a Garage Liability Insurance Company 5.00/5 (100.00%) 1 vote

If you’re shopping for garage liability insurance in Houston, you have plenty of options available, which can make your choice quite difficult. Finding the right garage liability insurance provider becomes a lot easier if you know what to look for in an insurance agency in Houston. Whether you’re a small local business or a large company, the following tips will help you find a reliable and transparent insurance agency that will offer you the coverage you need at a good price.

  • Look for an independent, rather than captive insurance agency. In the insurance business, captive agents represent a single insurance carrier, which translates into fewer offers and generally higher insurance costs. An independent insurance agency in Houston, on the other hand, represents different carriers, sometimes a dozen or more, and can offer you more garage liability insurance policies and ultimately better rates.
  • Choose an insurance agency in Texas that is close to where you live. If you live in Houston, choose an insurance agency from Houston, as this will make it easier for you to reach them should you ever want to claim insurance. Furthermore, a local insurance company knows the ins and outs of the local insurance market and has at least a basic understanding of your industry.
  • Prefer an insurance agency in Houston that offers not just garage liability insurance but also garage keepers insurance. These are two different kinds of policies. Garage liability insurance covers liability for your property, operations, and products, while garage keepers insurance protects vehicles owned by customers while they are kept on your property, such as when they are parked and waiting to be serviced. To be well covered, you need both types of insurance.
  • Make sure the insurance provider you choose offers other types of insurance you need as well, such as business auto insurance and commercial liability insurance. If you buy all your insurance policies from the same provider, you will usually get them at a discounted rate, not to mention that it will be easier for you later on to resolve any insurance issues you may be facing. By choosing a single insurance agency in Houston, managing your insurance policies and making claims will be less stressful.
  • Check their testimonials. Read them carefully and decide whether they are genuine or not. Make sure the full names of the customers who left them appear, as well as their location and the company for which they have contracted them.

 As an independent insurance agency in Houston, we at Boardwalk Insurance Group work with many different insurance companies ranging from AIG to Zurich, which puts us in a position to offer you the best garage liability insurance in Houston, as well as a complete package of other essential insurance solutions for businesses of all sizes, as well as for individuals. Check our Products & Services page to find out more, or Request a Call Back.

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5 Things You Need to Know About Commercial Liability Insurance 5.00/5 (100.00%) 2 votes

A commercial liability insurance is an essential type of insurance for most Houston-based businesses. However, it is not always well understood, and can cause some confusion. If you consider procuring a commercial liability insurance for your business, then there are a couple of things you should know about it.

  • A commercial liability insurance helps to keep your business running by protecting it from financial loss that may result when you’re sued because of injuries or property damage caused by your services, operations, or employees. For example, if someone trips and falls in your workplace and then sues you, the insurer will cover the costs associated with dealing with the court case and whatever medical expenses there may be.
  • A general commercial liability insurance may not include coverage for personal and advertising injury or medical payments. These may have to be purchased separately, under different policies.
  • A general commercial liability insurance includes limits on bodily injury, property damage, medical payments, personal injury, and general aggregate limits. Once these are exhausted, the insurer may be freed from obligations, although you may still have to continue paying for the insurance until the end of the term. Therefore, it is crucial to ensure that the limits are reasonable and provide enough coverage.
  • The coverage provided by a commercial liability insurance can vary considerably, not only depending on the provider, but also on the type of business which seeks it and the risks to which its staff is exposed. For example, when applied to a retail business such as a large department store, this insurance may be focused on trip, slip, and fall coverage, while with a contractor offering roof repair services it’s more focused on the damages to property and other people that may result during roof replacements, repairs, and other related projects.
  • The number of years you have been in business is one of the key factors that affect the coverage and the premium. Naturally, the higher the level of experience your business has, the less risks the insurer is taking, and therefore the lower the premium.

Finally, it is essential to understand that a commercial liability insurance can only protect your business and bring you peace of mind if it is offered by a reputable and reliable insurance agency in Houston, such as Boardwalkinsurance.com, which has both the experience and the resources necessary to provide the insurance and resolve claims quickly and effectively. Boardwalkinsurance.com works closely with the most important insurance companies in the area, including AIG, Safeco, and National Lloyds Insurance to provide commercial liability insurance as well as a complete range of other insurance packages that include garage liability insurance, exotic car insurance, business auto insurance, and personal insurance. To get a quote now, you can use Boardwalkinsurance.com’s convenient and easy to use online quote forms.

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Garage Liability Insurance Versus Garage Keepers Insurance – What’s the Difference? 4.83/5 (96.67%) 6 votes

Garage keepers insurance is an optional type of insurance for businesses that run service stations or offer towing services which protects the vehicles of customers while these are receiving service or are parked or stored in a covered location. The extent of the protection depends on the coverage of the insurance, but it normally includes protection from collision, fire, and theft. Also, it’s interesting to note that businesses having multiple storage locations usually have to get a garage keepers insurance for each of its locations. In Texas, the garage keepers insurance is also known as storage location insurance.

Garage Liability Insurance

Garage liability insurance protects shop owners when incidents occur while work is being done on customers’ cars. For example, it protects mechanics if a car gets damaged at the shop. Any car shop or other business which handles customers’ vehicles needs a garage liability insurance, and especially service stations, towing companies, repair shops, and car dealerships.

A basic garage liability insurance covers the costs associated with injuries that occur in the shop, whether they involve company staff or customers. Policies with more extensive coverage also protect the company and its employees from discrimination, or the company from employee dishonesty, theft, or vandalism.

Both Are Important

As you can see, while the garage keepers insurance covers damage to customer’s vehicles, the garage liability insurance covers the company’s liability for operations and automobiles. A garage keepers insurance and a garage liability insurance are different kinds of policies, but they complement each other and are a must-have for any car repair, car dealership, car service, or any other business whose operations involves the towing and storage of customer’s cars, whether this is for a limited or extended period.  Also, it is important to keep in mind that the amount of coverage each of these policies offer depends on the insurance company that provides them.

Boardwalk Insurance’s Complete Garage Insurance Solutions

One insurance company that offers both garage liability insurance and garage keepers insurance, as well as business auto insurance and business liability insurance, is the Boardwalk Insurance group, an insurance agency Texas based which collaborates with the leading insurance companies in the area. The Boardwalk Insurance group offers these policies as part of its commercial line of services, providing good rates and flexible cover, depending on the needs of your business. To find out more about the company’s garage insurance services or to get a quote, please visit www.boardwalkinsurance.com.

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Insuring your exotic car in 2015

Insuring your exotic car in 2015 5.00/5 (100.00%) 2 votes

As we enter the new year, if you are someone that has purchase a brand new exotic car you will have to make sure that you take the proper steps in order to protect your investment before you drive it off the lot. From Insurance to warranty and garage insurance there are quite a few things you should look into and consider before purchasing your exotic car to ensure that you’ll be able to keep it safe in case something goes wrong.

When you first purchase an exotic car, you will have the option of getting an exotic car warranty. These can come in quite handy if you plan on keeping your vehicle for a while. This is because with an exotic car warranty you can ensure that if anything in your car goes wrong, such as engine mounts, shocks, etc, you’ll be covered and won’t have to pay out of pocket to cover the expenses. Some warranties do vary from depending on the type of coverage that you have so you would have to research and make sure you know what you are getting to stay prepared.

The next thing you need to do for your car before you drive it off that lot is get insurance for it and make sure it is covered properly. For exotic car insurance, there are a few different options you will have depending on the type of coverage you choose, your age etc. For the best quotes and information you should contact boardwalkinsurance.com for more help on the topic and they’ll be able to explain everything to you and make sure you understand how the process works. It is very important you get exotic car insurance before you start driving your car because if you start driving before you are insured and end up getting into an accident it can be pretty costly on you if it is a bad accident. Not only for medical bills but for repairing your car as well.

Also another thing which should not be forgotten is garage liability insurance, or garage insurance. This is because if you have more than one exotic car or classic car this is a great way to make sure that your cars are protected when you leave them stored in your garage in case something happens such as a flood etc.

Remember that if you are looking for exotic car warranty or insurance, your best bet would be boardwalkinsurnace.com.

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