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

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Four Important Questions to Ask your Insurance Agent 5.00/5 (100.00%) 2 votes

Insurance is a necessary evil. There are many options and plans available and almost everything in your life can be covered under one of the plans. While it may not be a fun past time, it is very beneficial for you and your family when you are able to find a proper insurance agent in Houston. While shopping around, there are several questions that should be asked before you commit to anything.

Should I expand my insurance if I am adding onto my house?

Insurance plans are designed to cover your home based on its value. In the case of a remodeling, you need to know whether it is going to raise the value of your house or not. If the addition is going to raise your home’s value, then the answer to this question is yes you should get more insurance to remain fully protected. Speaking with an insurance agent in Texas will help you get a better idea of whether your remodel will require more insurance or not.

Is there a special coverage for my business from home?

If you are running a business from your home, you most definitely need to get it insured. Contact an insurance agency in Houston to find out what kind of insurance you will need for your home business. The agent will work with you to get your business the best coverage for you.

What coverage is best for a young adult fresh into the workforce?

For many young adults, getting a good renter’s insurance is enough to cover your belongings. Contact your insurance agent in Houston and talk with them about your needs. They will help you understand why things like getting the cheapest auto policy may not be a smart move. They will also explain things life insurance and more. Speaking with an agent is the best way to understand what you need and work with them to find a policy you can afford.

What can I do to save money on my insurance?

Just about every insurance company you will find is going to offer incentives for clean driving records and bundling packages. An example of this would be to get your car insurance, home insurance, and life insurance all from the same company. When you get everything through them, they will cut prices and give lower rates than when you pick and choose across multiple companies.

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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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Website for Boardwalk Insurance Group – Increased Security Measures Put in Place 4.00/5 (80.00%) 3 votes

Boardwalk Insurance Group has invested heavily in the use of cutting-edge technologies to make life easier not only for our employees, but also for our valuable clients.  From the growing number threats by malicious hackers in the news almost daily, we felt it was necessary to do our part to assure that our website is safe, protecting company and client information.

Therefore, we have introduced the use of a SSL (Secure Sockets Layer) certificate in wild card form on our website.  According to GoDaddy.com, an SSL certificate is “a digital certificate that authenticates the identity of a website and encrypts information sent to the server using SSL technology. Encryption is the process of scrambling data into an undecipherable format that can only be returned to a readable format with the proper decryption key.  A certificate serves as an electronic “passport” that establishes an online entity’s credentials when doing business on the Web. When an Internet user attempts to send confidential information to a Web server, the user’s browser accesses the server’s digital certificate and establishes a secure connection.”

Since our website uses multiple sub-domains for our various locations and features, we could not use a regular SSL certificate.  We had to go with the “wild card” option which allows an unlimited number of sub-domains to be included within the SSL certificate.  This assures that our entire website is secure, not just our main pages.

We want our customers to have trust in that our website is secure and that their information will be transmitted and managed responsibly and heavily encrypted in the event that it falls into the wrong hands.

Insurance agents handle very private information on their clients.  It’s imperative that they take measures to keep this information secure.  Whether you are a client of our independent insurance agency or not, make sure your agent utilizes an SSL certificate on their website and has other measures in place to secure your personal information in their agency management system, office filing cabinets, etc.

Never fill out a form on a website that is not secure.  Contact information is okay, but if you have to provide personal information, such as you do to obtain an insurance quote, be sure to find out if the website is secure.  How can you tell if a website is secure? The first option is to look at the address bar where the URL is.  If it’s different color than what is usually is, then that means they are using some security measures.  The other way is to look for a little padlock icon somewhere in your browser window (usually towards the bottom right of your screen).

Also, most “secure” websites utilize 1024-bit encryption.  In 2011, this encryption is not enough.  2048-bit encryption is the way to go now and provides the highest level of security available today.  If you are looking to add an SSL certificate to your site, the vendor you use matters.  Make sure they are a member of the “Certificate Authority Browser Forum,” an organization which upholds to the most strict standards.

We purchased our SSL certificate from the fine people at GoDaddy.com.  They listened to our concerns and suggested the options that would work best for us, while also saving us money as opposed to some of their competitors.

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