Let’s face it, everyone is human and everyone makes mistakes.  However, simple mistakes can have very large repercussions.   To protect insurance brokers and insurance agents from the effects of any errors or omissions that may be overlooked while working with their customers.

Error and omissions insurance combats the ever-increasing liabilities associated with the service industry, with insurance brokers and agents included.  Something as simple as a misprinted name or a misplaced number can have drastic effects on an insurance policy for the insured party, but e&o insurance can protect the insurance brokers or agents from any damages and negative effects on their work.

Target Clients

-      Agent/Broker with up to 100mil in Premium volume

-      Clean claim record

-      No MGAs, Reinsurance Brokers, or distressed firms

Capabilities

-      Duty to defend wording

-      Softened Hammer Clause

-      Carve-back for Punitive Damages, where insurable by law

-      Automatic coverage for Independent Contractors

-      True worldwide coverage

-      Optional coverage to include defense costs in Addition to Limits of Liab.

-      Lloyd’s paper – rated A (Excellent) by AM Best

-      Coverage for carrier insolvency rated A- or better at the time of placement

Limits Available

-      Primary Limits to 5mil; Excess capacity available

-      Min premium $1,500

-      Min deductible $1,000

Quoting Process

We can provide initial terms with any completed app.

Required to bind:

-      Fully completed, signed and dated application

-      Risk Management details if there are claims

Insurance brokers and agents should understand the importance of having insurance to insulate themselves from any errors and omissions that may occur in their work.  To find the best error and omissions insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best policy available.  With 23 affiliated insurance providers and licensed to write policies in over half the United States, Boardwalk Insurance Group has the ability to take the time to understand your needs and create the most appropriate policy for you.  Contact them today for an insurance 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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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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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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Are you looking for cheap apartment renters insurance?  Many apartment complexes require tenants to carry apartment renters insurance these days and won’t let you move in until proof of this coverage is provided by your insurance agent or insurance agency.

The good news is that this insurance is relatively inexpensive.  Most insurance companies who provide this coverage price it between $50 and $150 per year.  The variation in cost is based on the liability limit selected and the amount of contents coverage the customer wants.

The liability coverage protects you when claims come in from third parties.  These include guests who come to visit you.  The contents coverage, also referred to as personal property, covers your furniture and fixtures inside your apartment.

Some apartment complexes do not require tenants to maintain this coverage and others only require this coverage if, for example, you intend to put up a satellite dish.  We get a lot of questions as to what a satellite dish has to do with apartment renters insurance.  The answer is that if the dish was improperly installed and happens to fall off the building and land on someone or something, the apartment complex owners could get sued.  If the tenant carried an apartment renters insurance policy, then the tenant’s insurance company would defend the claim and the property owners would be off the hook.

The amount of liability coverage can vary from as little as $25,000 up to $1,000,000.  The contents coverage generally starts at $10,000 and goes up to $50,000.

A general renter’s policy is also available for those who rent homes and mobile homes from landlords.  The limits of coverage and rates are similar to apartment renter’s insurance policies.

If you are live in Arizona, Arkansas, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Illinois, Kansas, Louisiana, Michigan, Minnesota, Missouri, New Jersey, New Mexico, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington or Wisconsin, and are looking to purchase a cheap apartment renters insurance policy, contact Boardwalk Insurance Group to get a free, no obligation quote.  We have several carriers to choose from so we can find the right coverage and price for you. 

You can go to our website and fill out our online application and just let the quotes come to you. 

Boardwalk Insurance Group is an independent insurance agency with insurance agents and offices in several Texas markets.  The agency is licensed to write commercial lines, personal lines, life and health insurance policies in 26 states.

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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.

If you are in search of general liability insurance, contact Boardwalk Insurance Group today to get a free, no-obligation quote from one of our 200 A-rated insurance companies.  Our knowledgeable staff is standing by to service you.

Boardwalk Insurance Group

1-866-595-4077

http://www.boardwalkinsurance.com

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, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

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All lawyers, attorneys and law firms, no matter how big or small, are required to maintain professional liability insurance coverage.  The cost of this coverage varies on factors such as:

• Number of attorneys on staff
• Types of cases taken
• Annual revenues
• Security measures taken
• Technologies used
• Methods of advertising and obtaining new clients
• and much more.

Boardwalk Insurance Group is an independent insurance agency specializing in E&O/Professional Liability insurance coverage for lawyers, attorneys, law firms, real estate agents, insurance agents, mortgage brokers, engineers, software developers and more.  Through our network, we are able to get lawyers fantastic coverages with excellent rates.  Our Lawyer Professional Program includes coverage for the following:

• Prior Acts Coverage
• Predecessor Firm Coverage
• Consent to Settle
• Disciplinary Proceedings Reimbursement
• Coverage for Independant Contractors & Of Counsel Included

We use only “A” rated admitted and non-admitted carriers and have produced significant savings for our clients.  If you are a lawyer, attorney or manage a law firm, contact us and let us show you the Boardwalk difference!

Boardwalk Insurance Group, LLC

http://www.boardwalkinsurance.com

1-866-595-4077

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, Nevada, North Carolina, Oklahoma, South Carolina, Texas, Utah, Virginia, Washington & Wisconsin.

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