Contractors and sub-contractors can make up large parts of personnel on projects.  Typically, companies working on large projects use contractors and sub-contractors to make up for the fact that they cannot do all of the work themselves.

Contractors need to have protection because the work they do is labor intensive and mistakes can have disastrous results.  This insurance for contractors covers a wide variety of contractor classes and has very good liability coverage, ensuring the contractors are protected from the costs of a loss or liability.

We have an in-housing binding authority for most Contractor Classes of business including but not limited to the following:

• Masonry
• Roofing – Commercial & Residential
• Grading of Land
• Plumbing – Commercial & Residential
• Excavation
• Plastering – Stucco
• Painting
• Drywall
• Carpentry
• General Contractors – Commercial & Residential
• Concrete Construction
• Swimming Pool – Below Ground
• Debris Removal
• MANY OTHER CLASSES

General Liability

• $1,000,000 Per Occurrence
• $2,000,000 Aggregate
• $2,000,000 Products Aggregate
• $100,000 Fire Damage Legal Liability
• $5,000 Medical Expense
• $2,500 Minimum Property Damage Deductible, Per Occurrence

Special Extensions

• Blanket Additional Insured
• Per Job Aggregate
• Blanket Waiver of Rights
• No Classification Limitation Endorsement
• Primary & Non-Contributory Wording
• Additional credits available for in business 3 years with no losses

Submission Requirements

• ACORD Applications
• Supplemental Contractors Application
• Loss Runs – 3 to 5 years currently valued and details of losses over $10,000 (to bind)

Insurance for contractors is very important since much of the work contractors do can potentially put employees at danger or do significant damage to the property or project they are working on.  To find the best insurance for contractors, 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 contractors 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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Unfortunately, religious institutions are susceptible to an increasing number of risks resulting in monetary damages.  Having the right insurance policy in place can help protect your non-profit organization.
Here are the Coverages Your Organization Should Carry:
•    Commercial General Liability Insurance
•    Commercial Property Insurance (if the organization owns real property)
•    Directors and officers Liability Insurance
•    Employment Practices Liability Insurance
•    Special Events Liability Insurance
•    Special Religious Property Coverage which includes the unique exposures associated with religious facilities such as coverage for organs, pulpits, baptismal fonts, pews, stained glass, arks, tabernacles, etc.
•    Money & Securities with the ability to increase your limit on select days when offerings are larger
•    Members and Volunteers should be included automatically as additional insureds
•    Licensed Day Cares and Preschools included if necessary

Boardwalk Insurance Group is an independent insurance agency specializing in a variety of commercial insurance programs through its network of insurance companies and insurance brokers.  Their specialty package for religious institutions, in addition to what’s listed above, includes the following:

o    Money & Securities Coverage
o    Employee Dishonesty Coverage
o    Spoilage Coverage
o    Accounts Receivable Coverage
o    Valuable Papers Coverage
o    Sewer Back Up Coverage
o    Personal Effects Coverage
o    Clergy and Counseling Professional Liability
o    Hired and Non-Owned Auto
o    Employee Benefits Liability
o    Directors and Officers Liability
o    Employment Practices Liability
o    And many more…

This Program is Specifically Designed For:
•    Churches / Tenant Based Church
•    Mosques
•    Synagogues
•    Temples
•    Other Religious Institutions

Coverages Limits Generally Include:
•    General Liability – up to a $3,000,000 limit
•    Property (Buildings, Business Personal Property, Business Income, Equipment Breakdown)- up to $2,000,000 per location.
•    Sexual Molestation  – up to $200,000 Limit
 
Coverage is placed through A+ rated insurance companies and higher limits are available upon request.

If you are looking to purchase insurance for a new religious institution or even one which is well-established, your search is over.  Boardwalk Insurance Group will shop several insurance companies on your behalf and provide you with the best option for you and your organization.  Our services are 100% free of cost to you so why not submit an application today and find out for yourself?  Quotes can be obtained in as little as 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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What is inland marine insurance coverage? 

We are asked this question often.  Inland marine insurance is usually a "line" of coverage added on to a policy or sometimes purchased as a stand-alone policy.  Generally speaking, it covers goods in transit or projects under construction.  Although it’s generally a type of property insurance, some classes within inland marine only provide liability coverage.  It is derived from marine insurance, which covers items, whether in transit or not, while on water.  Once it gets to land, that coverage ends and inland marine picks up from there.

Typically, the following types of businesses require some form of inland marine insurance coverage:
Ambulance Equipment
Amusement Rides
ATM Machines
Band Uniforms
Catering Equipment
Mobile Concession Stands
DJ Equipment
Exhibition Property
Go Karts
Golf Carts
Janitorial Equipment
Laundry Equipment
Medical Equipment
Mortician’s Equipment
Musical Instruments
Photography Equipment
Pool Cleaning Equipment
Radio or TV Studio Equipment
Recording Studio Equipment
Rock Climbing Wall
Scientific Instruments
Sports Equipment
Theater Property
Vending – Candy/Snacks
Vending – Stamps
Vending – Videos
Videographer Equipment

As you can see above, all of these businesses are moving on a regular basis.

If you are in need of a quote on a class of inland marine insurance, contact Boardwalk Insurance Group, an independent insurance agency specializing in all types of commercial insurance products for consumers in 25 states. 

Inland Marine Product Highlights:
•    Discounts if in business with no losses for a minimum of three years
•    Discounts if items are brought back to owners place of business each day
•    Discounts if the business has a central station alarm
•    Discounts if all items are fives years or newer in terms of age
•    $500,000 limit of insurance
•    Limit per individual piece of equipment varies by type
•    $2,500 maximum limit on blanketed equipment

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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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.

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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Boardwalk Insurance Group, through it’s various carriers and brokers, has some summer specials for the following types of businesses or insurance types:

Building Renovation Insurance and Builder’s Risk Coverage
•    No restriction of length of vacancy
•    3, 6, 9 or 12 month terms available
•    Term extensions by simple endorsement
•    Replacement Cost & Special Perils available for buildings less than 25 years old

Child Care or Daycare Insurance
•    Wide variety of centers including residential homes, Montessori school, drop in centers, and many more …
•    Professional Liability included for no additional charge
•    Medical Payments coverage (including children enrolled in their care) is included
•    One of the broadest Molestation & Abuse forms in the industry
•    Defense Cost Reimbursement is available for accused insured once they have been acquitted or charges have been dropped

Commercial Umbrella and Excess Insurance
•    Over 700 quotable classes of business
•    Can quote over B++ or better rated carriers
•    Many quotes have an unsolicited Umbrella or Excess quote attached
•    Minimum Premiums as low as $400 for Excess and $500 for Umbrella

Concessionaire and Vendors Insurance
•    Variety of quotable classes including Hot Dog Vendors, News Stands, Mall Kiosks, Christmas Tree Lots, Flea Market/Fair Show vendors
•    New Ventures
•    Premium as low as $275
•    Inland Marine coverage for Stands and Miscellaneous items

Special Event Liability Insurance
•    Event types include: Beer Garden/Tents, Competitions or Shows, Concerts, Fundraisers, and Sporting Events
•    Up to 10,000 attendees
•    Set-up and take-down coverage available
•    Rain date coverage available

Insurance for Training Schools
•    Over 30 quotable Classes
•    Professional Liability automatically included on most classes
•    Molestation and Abuse available for many classes
•    Up to $3,000,000 in annual receipts
•    3, 6 , 9 or 12 month terms and short term extensions available

Truckers General Liability Insurance
•    New Ventures are eligible
•    Ability to offer Blanket Additional Insured
•    Up to 20 units
•    Rated on number of Power Units
•    Non-auditable policy

Vacant Building Insurance Coverage
•    No restriction on length of vacancy
•    3, 6, 9, or 12 month terms and short term extensions available
•    Replacement Cost & Special Perils available for building less than 25 years old

Insurance on Vacant Land
•    Up to 1,000 acres per location
•    Urban, suburban, or rural exposures
•    Lakes and ponds on property are eligible
•    Fencing of property not a requirement
•    Land waiting to be developed in the future is eligible
•    3, 6, 9, or 12 month terms and short term extension available

Liability Insurance for the Office
•    New Ventures
•    Available on Business Owners coverage form
•    Up to 25,000 square feet
•    Automatically included $25,000 for Electronic Date Coverage
•    Professional Liability sublimit of $25,000 automatically included on most classes

We have the products and know how to help our clients with all of their insurance needs.  Boardwalk Insurance Group represents several "A" rated and higher insurance companies and caters to businesses in over 25 states in the US.

If you are a business owner or manager, contact us for advice, education or to get a free quote. It’s unbelievable how much money we’ve saved our clients over the years.

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 land, you may think that there is no need to carry insurance.  Whether your land is being used or not, it’s important that you know that claims can still arise.  There is vacant land insurance available to you.  However, in this article, we will discuss insurance for land you own, but lease to others.  It’s imperative that you also carry insurance.  Here’s why:

•    To protect your insurable interest as a landowner
•    In case a passerby trips and falls on a raised piece of sidewalk in front of  premises
•    No liability deductible
•    Defense costs provided outside the limit of liability
•    Hostile fire exception to pollution exclusion
•    Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress
•    Credits Available:
1.    Applicant requires all commercial tenants to name the applicant as an additional insured
2.    Lease requires tenant(s) to maintain and/or repair the premises, including keeping the premises free of snow and ice, adjacent to any building e.g. sidewalks, driveway and parking lots

Product Features:
•    Limits available up to $1,000,000 per occurrence/$2,000,000 aggregate and up to $5,000,000 in excess
•    Low minimum premiums (starting at $400)
•    Credits available for:
1.    Applicant being named as an additional insured to tenant(s) general liability policy
2.    Applicant’s lease requires tenant(s) to maintain and/or repair the premises

Coverage Available:
•    Up to 1,000 acres per location
•    Lakes and ponds up to 25 acres in size
•    Land being used for:
1.    Equipment storage or vehicle parking
2.    Auto sales lots
3.    Building on the premises (Only land is leased-building owned by lessee)
4.    Animal grazing
5.    Crop farming
6.    Athletic fields
7.    Hunting

If you own land that you are leasing to others, it’s important that you carry insurance to protect you, your family and your business from potential claims.  Boardwalk Insurance Group, through our various brokers and carriers, can help.  Contact us for a free quote by phone or by filling out one of our forms on our website.  A friendly and knowledgeable representative will assist you.

Boardwalk Insurance Group
www.BoardwalkInsurance.com
Toll Free: 877-595-4077

Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance policies and is 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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