TAG | quote
14
Insurance for Churches, Mosques, Synagogues, Temples and Other Religious Institutions
No comments · Posted by John Argo in Employment Practices Liability Insurance, EPLI, General Insurance, Insurance for Non Profit Organizations, Insurance for Religious Organizations, Products and Services, Special Event Liability Insurance
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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13
Insurance for Non-Profit Organizations and Institutions
No comments · Posted by John Argo in Directors and Officers Liability Insurance, Employment Practices Liability Insurance, EPLI, General Insurance, Insurance for Non Profit Organizations, Products and Services
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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12
Inland Marine Insurance Products–What You Should Know About Them
No comments · Posted by John Argo in Commercial General Liability Insurance, Commercial Property Insurance, General Insurance, Inland Marine Insurance, Products and Services
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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8
Storage Tank Pollution Liability Insurance Quotes
No comments · Posted by John Argo in General Insurance, Products and Services, Storage Tank Liability Insurance
If you or your business have either above ground and/or underground storage tanks on your property, you are required to carry a storage tank pollution liability insurance policy.
Luckily for you, insurance for the various types of storage tanks are pretty standard, making it easy for insurance agents to quote them. Some insurance companies or insurance brokers even offer online quotes for agents to provide to their customers. Although the coverages for storage tank pollution liability insurance may be cookie-cutter, the pricing (also known as premium) and deductibles most definitely are not.
Independent insurance agents are the best when it comes to storage tank pollution liability insurance products. They have access to a variety of insurance companies and insurance brokers, allowing them to shop on behalf of the customer. Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance products. The agency has several locations and is licensed in over 25 states in the US. Their process to quote storage tank liability insurance is simple and fast. Turnaround time for most is less than 24 hours.
Here are some product highlights:
• $350 minimum premium
• Limits available from $500,000 to $5,000,000 per incident
• Coverage for third-party bodily injury and property damage claims resulting from pollution conditions from scheduled tanks
• Provides coverage for corrective action due to releases from tanks
• Policy/Certificate satisfies federal requirements for financial responsibility if needed
• UST policies are issued with standard insurance companies
• AST and AST/UST policies are issued with surplus lines insurance companies
Our Typical Client Profile
• Commercial / Industrial Facilities
• Schools, Colleges, Universities
• Gas Stations
• Retail Stores including Convenience / Grocery Stores
• Auto Dealerships
• Municipalities
• Airports
• Hospitals
• Manufacturing Plants
• Oil and Lube Shops
• Mechanics Garages
• Auto Body Shops
Restrictions
• USTs installed prior to 1975 and coverage with capacities greater than 49,999 gallons are ineligible for quick quotes. However we do have other options that for these types of tanks.
If you require a quote on a storage tank liability insurance product, contact us today. Our friendly and knowledgeable representatives are standing by to 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 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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7
Having Trouble Finding Insurance For Your Unique or Seasonal Business?
No comments · Posted by John Argo in Commercial General Liability Insurance, Commercial Property Insurance, General Insurance, Products and Services, Special Event Liability Insurance
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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6
Various Errors and Omissions and Directors and Officers Liability Insurance Products
No comments · Posted by John Argo in Commercial General Liability Insurance, E&O Insurance, Employment Practices Liability Insurance, EPLI, General Insurance, Products and Services, Professional Liability Insurance
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.
alabama · arizona · arkansas · california · colorado · connecticut · d&o · directors & officers liability insurance · directors and officers liability · district of columbia · e & o insurance · e and o insurance · e&o insurance · errors & omissions insurance · errors and omissions insurance · florida · georgia · illinois · independent insurance agent · insurance · insurance broker · it consultant · kansas · liability · louisiana · medical malpractice insurance · michigan · minnesota · missouri · nevada · new jersey · new mexico · New York · non profit · north carolina · oklahoma · online · professional liability insurance · quote · real estate agent · south carolina · texas · utah · virginia · washington · wisconsin
5
Commercial General Liability Insurance for All Types of Contractors
No comments · Posted by John Argo in Commercial General Liability Insurance, General Insurance, Insurance for Contractors, Products and Services
Whether you are a general contractor, a sub contractor or something in between, you need to maintain a proper commercial insurance policy at all times. The cost of your insurance coverage is dependent on several factors, but most importantly, your projected annual gross receipts. In terms of insurance, this makes sense because the more money your business makes, the higher the chances of a loss.
At Boardwalk Insurance Group, we offer commercial general liability insurance for all types of contractors. We also have specialty programs for contractors who are in the following types of businesses:
• General Contractors
• Plumbing
• Roofing
• Air Conditioning / Heating
• Artisan Contractors
• Carpentry
• Electrical Wiring
• Masonry
• Door Installation
• Painting / Paperhanging
• Concrete / Cement Driveways & Curbs
• Parking Lot Striping
• Carpet / Tile / Marble Installation
• Debris Removal
• Drywall
• Excavation
• Grading of Land
• Insulation Work
• Plastering & Stucco
• Siding Installation
• Street Paving
• Telephone Line Construction
Specialty programs designed for specific types of contractors allow you to save money while providing you with better coverages and more bells and whistles included within your policy.
When you work with a commercial insurance broker like Boardwalk Insurance Group, you can count on getting the best deal for all your insurance needs because we work with a network of insurance companies. This allows us to shop on your behalf and provide you with several options, not just one "take it or leave it" quote.
If you are a contractor looking for better insurance coverage and less money out of your pocket, contact us today for your free quote. Our trained professionals are standing by to 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 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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20
Hello to Alabama Residents and Business Owners. Your Insurance Agent Has Arrived!
No comments · Posted by John Argo in Commercial Auto Insurance Policy, Commercial General Liability Insurance, Commercial Property Insurance, E&O Insurance, Employment Practices Liability Insurance, EPLI, Garage Keepers Liability Insurance, Garage Liability Insurance, General Insurance, Hotel or Motel Insurance, Insurance for Hotels and Motels, Insurnace for Laundromats, Insurnace for Pest Control Operators, Introduction, News, Pawn Brokers and Pawn Shops, Products and Services, Professional Liability Insurance, Renters Insurance, Restaurant Insurance, Special Event Liability Insurance, Truckers property & general liability insurance, Vacant Property Insurance
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.
agent · alabama · auto · boardwalk insurance group · business · business owners · commercial · customer · garage · general liability · home · homeowners · hotel · insurance · motel insurance · property · quote · rental · shop · shuttle · van
13
Employment Practices Liability Insurance (EPLI) Quotes Available For Healthcare Businesses
No comments · Posted by John Argo in Employment Practices Liability Insurance, EPLI, General Insurance, Products and Services
Boardwalk Insurance Group is proud to offer EPLI (employment practices liability insurance) for the following types of healthcare businesses:
• Doctor and dentist offices
• Nursing homes
• Specialty outpatient facilities
• Medical and dental labs
• Health and allied services
Our EPLI products offer you more coverage along with reduced rates as compared to what you have now. We are able to quote you with a stand alone EPLI policy or with a package including other coverages you need, such as commercial general liability insurance, contents coverage, etc.
Our EPLI features include:
• Insurance companies rated "A" or higher by A.M. Best
• No minimum premiums
• Limits up to $2,000,000 and retention amounts (deductible) as low as $2,500
• Full prior acts coverage
• Third-party coverage available for most classes
• Defense outside the limit available
• Coverage available for many hard to place business types
Our quoting process is very easy and we are able to provide quotes using our online rating engine. In just minutes, we can provide you a quote for EPLI coverage.
Other than basic contact information, all we need to know is:
• What type of business you’re in
• Years in business
• Number of employees you have
• Layoff activity (if any in the past)
• Any prior claims activity
If you are ready to get a better EPLI policy while saving your business money, contact Boardwalk Insurance Group for your free, no-obligation 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: 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.
allied · arizona · arkansas · business · california · colorado · commercial general liability insurance · company · connecticut · dentist · district of columbia · doctor · employment practices · epli · florida · georgia · healthcare · illinois · insurance · kansas · labs · liability · louisiana · medical · michigan · minnesota · missouri · nevada · new jersey · new mexico · New York · north carolina · nursing · oklahoma · quote · services · south carolina · texas · utah · virginia · washington · wisconsin
9
Cargo Insurance Coverage for Travel Trailers
No comments · Posted by John Argo in Commercial Auto Insurance Policy, News
A short message about cargo insurance coverage from your friends at Boardwalk Insurance Group:
With the recent devastating storms, many of our clients in various parts of the country have asked if we can provide cargo insurance coverage while they are hauling travel trailers that will be used as temporary housing in their affected areas.
Our carriers currently provide up to $100,000 in cargo insurance coverage for travel trailers, whether it is attached to a covered vehicle or hauled on a flatbed trailer attached to a covered vehicle. So if you have a policy with us, you don’t need to request exceptions for FEMA trailers.
Just so you know, insurance coverage for your travel trailer begins when it is being loaded, continues while the unit is in transport, and discontinues after it has been unhooked from the pulling unit.
The only thing to note is that mobile homes are not automatically covered and therefore require an exception.
If you have any questions regarding this issue, please do not hesitate to contact your representative. If you are not a client of our agency but would like a quote for cargo insurance, feel free to contact us.
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: 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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