As much fun as they are to watch, sports can be dangerous activities.  There is always the potential for bodily injury in nearly every sport.  Insurance is also needed for the facilities they use and even for fundraisers hosted by the youth sports team.

This all-in-one insurance for youth sports package product provides protection for a variety of sports.  Property and liability coverage is offered in this insurance for youth sports package with a wide range of limits, ensuring that a small incident does not force the youth sports group to disband.

This All-In-One Non Profit Package product provides Youth Sports Organizations, with participants 18 years of age and younger, the opportunity to purchase General Liability, Property, and Directors & Officers (D&O)/ Employment Practices Liability (EPL) coverage all on one policy!

Target Accounts – The highest quote and bind ratio

• New and existing organizations
• Sports include but are not limited to Soccer, Football, T-ball, Baseball, Softball, Basketball, Volleyball, Tennis, Golf
• Organizations that require parents or legal guardians to sign waivers of liability/release forms for all activities
• Organization that perform background checks on all employees and volunteers
• Organizations that have Accident & Health coverage in-force
• No more than 1 loss or claim in the past 3 years

Product Advantages:

• Coverage is available for athletic participants
• Abuse and Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate available
• Assault and Battery sub-limit of $50,000 available at no additional charge
• Hired and Non-Owned Auto Liability coverage available in most states
• Fundraisers and certain special events included at no additional cost
• Landlord listed as an Additional Insured for no additional charge
• No liability deductible
• Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims
• Lifetime Occurrence Reporting Provision for former Directors and Officers
• Unlimited defense costs outside the limits for D&O and EPL coverage
• Full Prior Acts Coverage for D&O and EPL coverage
• Optional fiduciary liability for D&O coverage
• Property available on Special Form and Replacement Cost
• Inland Marine coverage available for sports equipment
• Crime coverage available

Available Limits:

• Liability limits up to $1,000,000 occurrence/$3,000,000 aggregate
• Abuse & Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate
• Assault & Battery sub-limit of $50,000 at no additional charge
• Property values up to $500,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit.)
• $5,000,000 additional capacity available for Umbrella Coverage

Insurance for youth sports provides essential protection to youth sports clubs so that a small incident does not lead to the club’s demise.  To find the best insurance for youth sports clubs, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best insurance for youth sports clubs 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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Why You Need to Have Insurance on Your Vacant Property

Your property is empty, no tenants, and you are not using it.  You consider dropping the insurance on the property since the policy is so expensive and treats the property like it is occupied.  In addition, insuring a vacant property under standard homeowners insurance could be a violation of the terms of the policy.

Regardless of whether a property is occupied or not, insurance is still important to protect your investment in the property.  Vacant property insurance protects from many of the same perils as property insurance written for occupied properties without the same costs associated with insurance written for occupied properties.  Vacant property insurance protects from fires, storm damage (from wind, hail, and lightning), and damage from vehicles.  Optional coverage includes premises liability, vandalism, and other mischief.  Vacant property insurance can also be written for short and long-term periods, making it flexible enough that the owner is not paying for unneeded insurance when new tenants sign a lease.

Product Features:

• 3, 6, 9 or 12 month Policy Term
• Package or Monoline
• Residential & Commercial
• Buildings undergoing repair may be eligible
• Special from and replacement Cost is available
• No restrictions or Length of Vacancy

Vacant property insurance provides essential protection to properties that owners may think do not need to be insured.  To find the best vacant property insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best vacant property insurance 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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Weddings should be a time of joy and celebration.  If you host weddings and other special events, do not let the prospect of liability claims or property damage dampen the event.  Insurance for special events protects you and your property from the costs of liability claims and property damage, ensuring you can afford to continue hosting events.

Special event insurance can be valuable for many facilities that host private events and special occasions.  Special event insurance can cover a wide variety of claims, protecting from property damage, general liability, and liquor liability.  Do not let your facility get caught off guard with no protection in place.

COVERAGE FEATURES

• General Liability and host liquor liability coverage included with separate limits (important if there are multiple large claims)
• Coverage for property damage caused to the rented banquet hall facility
• Medical payments coverage is provided
• Food and beverage product liability is included
• 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 for 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 policy limits
• Limits of  $1,000,000/$2,000,000 available   

CLAIM EXAMPLES

• Property Damage: Facility walls were damaged when children smeared chocolate from the chocolate fountain.
• Property Damage: A guest spilled an entire glasses 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.

1. The banquet hall may be held liable for the actions of those selling or serving alcohol at the wedding.
2. It may cost thousands of dollars in defense costs to prove you are not liable for a liquor liability claim.
3. You can be brought into a claim if the wedding couple does not have a liquor liability insurance policy in place.

Special event insurance provides a large amount of protection for facilities that host private events, such as parties, weddings, and other special events.  To find the best special event insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best special event insurance 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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Vacant buildings still need insurance.  Vacant buildings are subject to many of the same perils that occupied buildings are exposed to.  Vacant building property insurance provides coverage for vacant buildings without having to pay for insurance that covers them like occupied buildings.

Property insurance for vacant buildings can cover a wide variety of properties.  However, since the status of vacant buildings could change at a moment’s notice, property insurance for vacant buildings is a more flexible and adaptable insurance policy than standard insurance for the building.

We can help you with your vacant building risks. With our in-house binding authority we have the ability to place these risks. Some common scenarios include:

• A vacant 1-4 family dwelling that is up for sale
• A vacant single family dwelling that is undergoing renovations before the owner will move in
• A vacant condo whose former occupant is now in a nursing home

Flexible terms and coverage:

• Policy terms are flexible with 3,6,9 and 12 month terms available
• There is no limit on how long the structure has been vacant
• Can also write contents up to $250,000
• Renovations can also be considered

Coverage is available for other structures on the premises such as a detached garage

• We have the availability to quote excess coverage up to $5 million limit
• Minimum earner premium is only 25 percent

WE CAN QUOTE VACANT LAND OR LAND LEASED TO OTHERS INCLUDING ANIMAL GRAZING

Property insurance for vacant buildings is necessary because even though the buildings have no tenants, there is still the possibility for perils to damage the property.  To find the best property insurance for vacant buildings, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best property insurance for vacant buildings 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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Homeowners associations regulate communities to keep them looking respectable as well as foster the relations of the residents.  While they may be considered a thorn in the side of some residents, they exist for the overall betterment of the community.  Even an organization like a homeowners association needs insurance to protect their property.

Insurance for homeowners associations is imperative to protect homeowners associations from the unexpected.  Many homeowners associations host events and own property, and the protection afforded by insurance for homeowners associations can save them if an unfortunate, destructive event occurs.

Insurance for homeowners associations includes more comprehensive property coverage. Now the product offers Blanket Agreed Value coverage on property exposures such as fences, pools, signs and other non-building property for no additional premium!

 This feature, combined with other competitive advantages for property, general liability and professional liability, makes this package product a great choice.

Some additional coverage features that enhance this package product include:

- Low, competitive minimum premiums

- Property manager/management company automatically included as additional insured

- Lifetime occurrence reporting provision protects former directors and officers

- Defense costs are outside the limit of liability

- Breach of contract coverage provided

- Employment practices liability coverage included with directors and officers coverage

- Hired and non-owned auto liability can be included

- Crime and umbrella coverage available

Insurance for homeowners associations is often overlooked by homeowners associations, but it is absolutely necessary to prevent a small event from causing significant setbacks to the homeowners association.  To find the best insurance for homeowners associations, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best insurance for homeowners associations 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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Renovation can be cheaper than tearing down and building a new structure from scratch.  However properties undergoing renovation can be dangerous.  There are many tools and potentially hazardous chemicals on the property that can cause significant damage if someone is in the wrong place at the wrong time.

Renovation insurance protects the property while it is still being worked on.  Renovation insurance is a form of property insurance, protecting from losses caused by many hazards, such as fire, smoke, vandalism, lightning, and explosion.  While the company completing the renovations is trusted to work as safely as possible, potential hazards still exist, making renovation insurance extremely important as the property is being improved.

WHY IS IT IMPORTANT TO HAVE BUILDING RENOVATION COVERAGE? HERE ARE POTENTIAL LOSS SCENARIOS:

•     Damage by fire

•     Smoke damage

•     Damage caused by vandalism or malicious mischief

•     Lightning striking your building

•     Loss due to explosion

THE FOLLOWING ARE IMPORTANT TO HAVE IN A POLICY:

COVERAGE AND PRODUCT FEATURES:

•     Coverage for partially occupied building available

•     Contact within 24 hours of claim to report by adjuster

•     Coverage for additions that do not involve load bearing members of building

•     Replacement cost coverage for new construction portion of the project

•     Coverage can be written for the full term of the project

•     Product flexibility offering either Basic or Special Form

•     Replacement Cost Valuation is standard on the new construction work

•     Project can be written for the full duration of the construction project

•     Rate structure contemplates new construction work being added gradually to the existing building

 LIMITS:

•     Up to $3,000,000 per location in PC 1-8

•     Up to $1,000,000 per location in protections class 9-10

*Limits of up to $500,000 per location excluding wind and hail in coastal areas

Renovations can be costly, even if necessary, so protection from loss through renovation insurance is extremely important.  To find the best renovation insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best renovation insurance 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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Small businesses make up a very large part of the economy, however even the most successful small businesses will choose not to expand for many different reasons.  Small businesses have a unique charm and character that disappears as they become larger and larger.

One of the identifying features of a small business is just that: its size.  So why should a small business pay for business liability insurance and business property insurance like the big guys do?  Small business insurance caters to businesses that do not need or cannot afford insurance that the big businesses hold.  Included in most small business insurance policies are both liability and property coverage tailored for small businesses and not watered down versions of big business insurance policies.

This product is specifically designed to accommodate the coverage and pricing needs of a wide variety of mercantile risks.

PRODUCT FEATURES:

Coverage available as:

• Businessowners Form (If eligible)
• Package
• Monoline Liability
• Monoline Property

Broad Eligibility Requirements

• Over 75 Classes selected for preferred treatment
• Up to $3,000,000 in annual sales
• New ventures eligible

Low Minimum Premiums

LIABILITY FEATURES:

• Limits available up to: $1,000,000 occurrence/$2,000,000 aggregate
• Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Stress
• No Liability Deductible
• Pollution Exclusion has Hostile Fire Exception
• Hired and Non-Owned Auto Liability Coverage available
• Commercial Excess General Liability, Umbrella available up to $5,000,000

PROPERTY FEATURES:

• Broad Property Coverage using ISO’s April ’02 coverage form
• Equipment Breakdown – Includes free boiler inspections if required in your jurisdiction
• Value Plus Endorsement available providing 15 coverage extensions and enhancements
• Special Cause of Loss and Replacement Cost available

Up to $3,000,000 in Property limits, $500,000 in all Coastal areas

Even small businesses need protection, especially since many times they are not equipped to handle the costs of liability claims or damages to the property.  Small business insurance policies take this into account and can provide outstanding protection without breaking the bank.  To find the best small business insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best business liability insurance 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 own or manage properties and some are vacant, insurance is still important to protect you from risk, losses, or claims.  Liability and property insurance for your vacant buildings cover can keep your assets safe and secure.

Finding the best coverage for your property can take time, but using an independent insurance agency like Boardwalk Insurance Group will save you time and money while they shop around for you.  For your convenience, Boardwalk Insurance Group has several locations and is licensed in over half the United States.  Boardwalk Insurance Group can get quotes for most policies in 24 hours or less.

Quick Quotes for Vacant Buildings

 Eligible Risks

•     Commercial

•     Residential

•     All Protection Classes

Offering

•     Multiple Markets

•     $1/$2 Million General Liability Limits

•     $5 Million Property Limits

(Higher limits available)

•     Annual, 6 Month or 3 Month Available

•     Replacement Cost for Select Risks

•     Very Competitive Rates

If you need a quote on liability and property insurance for your vacant properties contact Boardwalk Insurance Group today.  Our friendly and knowledgeable representatives are standing by to assist.  Their expertise is guaranteed to get the best coverage at the best price and their ability to customize policies means the end result will exceed your expectations.

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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