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

TAG | general liability insurance

Hello to Alabama Residents and Business Owners. Your Insurance Agent Has Arrived! 4.00/5 (80.00%) 3 votes

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.

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Event Liability Insurance for Weddings and Special Events 4.50/5 (90.00%) 2 votes

Are you in need of event liability insurance policy for a special event?  Let Boardwalk Insurance Group help find the right insurance company for you.
Many banquet facilities, hotels, convention centers, parks, country clubs, night clubs, concert halls and other venues require event hosts to carry some type of special event insurance these days.  From weddings to fundraisers to concerts to parties with alcohol, some type of insurance is requested to protect not only the property owners, but the hosts themselves from claims that may arise.

Some examples of event insurance claims which have occurred:

•    Property Damage: Facility walls were damaged when children smeared chocolate from the chocolate fountain.

•    Property Damage: A guest spilled an entire glass of red wine on the carpet.

•    General Liability: Five guests became sick from eating spoiled food from an outside caterer. They are seeking coverage for their medical payments.

•    General Liability: The bride’s cousin fell on the dance floor and broke her leg. She is seeking coverage for her medical bills.

•    Liquor Liability: The bartending service hired to serve alcohol at the wedding negligently served alcohol to an intoxicated or underage person.

Liquor Liability insurance coverage is crucial if the event you are hosting will be serving alcohol.  It makes no difference if you are utilizing a cash bar or providing an open bar service for your guests.  Either way, there is serious exposure to you and the facility.  If the venue or 3rd party service they use to cater alcohol states they have their own coverage, you must make sure that they provide you with a certificate of insurance for your particular event dates/times and also list you or your organization on the policy as an additional insured.

The banquet hall may be held liable for the actions of those selling or serving alcohol at the wedding.  It may cost thousands of dollars in defense costs to prove you are not liable for a liquor liability claim and you can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.  It’s just not worth the trouble so you must make sure adequate coverage is already in place or you should purchase your own.

Boardwalk Insurance Group provides special event insurance coverage for all types of events at all types of venues.  Our typical event policies include:

•    General Liability and host liquor liability coverage with separate limits (important if there are multiple large claims)
•    Coverage for property damage caused to the rented banquet hall facility
•    Medical payments coverage
•    Food and beverage product liability
•    No general liability deductible
•    $1,000 sublimit for lost deposits (cost to reimburse for a lost deposit if a vendor goes out of business, declares bankruptcy or fails to show up) included at no additional charge
•    Up to three additional insureds including the banquet hall facility owner can be included for no additional charge
•    No deductible
•    Defense Costs are outside of the policy limits
•    Limits of  $1,000,000/$2,000,000 available

Quotes can be provided within 24 hours of submitting a completed application.  Premiums for events can range anywhere from $250 to $10,000 per day.  Factors considered in determining costs include the type of venue, type of event, number of people attending, if the event is free or paid, if any celebrities will be in attendance, if alcohol is being served, event timings, etc.

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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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Professional Liability Insurance for Software Companies and Software Developers 4.50/5 (90.00%) 2 votes

The Hartford has a great program for software vendors who develop software, sell software, support software and more.  They also cater to several other IT service providers such as insurance for data centers.  If you are in the market for insurance coverage, contact the specialists at Boardwalk Insurance Group for a free quote through The Hartford and other specialty insurance companies.  You will be blown away by all the bells and whistles they offer along with fantastic rates.

Boardwalk Insurance Group is a network of independent insurance agencies specializing in commercial insurance policies.  They are licensed to do business in 13 states including Arkansas, California, Florida, Georgia, Illinois, Kansas, Louisiana, Minnesota, Missouri, New Jersey, Oklahoma, Texas and Wisconsin.

Tech-savvy customers love Boardwalk Insurance because they provide online access to policies and many ways to communicate via web, allowing you to do business on your own terms.  Call them toll free at 866-595-4077 or visit their website at www.BoardwalkInsurance.com.

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