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 in search of a Professional Liability or E&O (errors and omissions) insurance policy for your organization?  Are you looking to purchase a D&O (directors and officers) liability insurance policy?

Through our various markets, we are now able to offer E&O or D&O for the following:

Non Profit Directors & Officers Liability
IT Consultants Errors & Omissions
Real Estate Agent Errors & Omissions
Community Association Package policies
Youth Sports
Miscellaneous Errors & Omissions
Medical Malpractice Insurance for Podiatric Physicians

All of these products are underwritten through carriers rated A++ (Superior) by A.M. Best.  Boardwalk Insurance Group has become a premier provider of management liability products for it’s customers.

For most of our professional liability products, we are able to quote online with our markets.  This assures a speedy quote after receiving a completed application from our clients.  Being an independent insurance agency, Boardwalk shops coverage through a variety of insurance companies and insurance brokers.  This assures that our clients get the best deal not only in price, but also in terms of coverages.

If you are in search of a professional liability product such as e&o or d&o, contact us 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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