If you own or operate a business which deals with pets or owners of pets, you need to carry a proper amount of insurance coverage to protect you, your family and your business from catastrophic physical and financial losses.  Typically, your business would need a commercial general liability insurance policy, commercial property insurance and some inland marine coverage.  More options are definitely available, but these are the basics.

Here are the coverages your insurance policy should include:
•    Physical damage coverage for the animals in your care, custody and control
•    Professional liability for your grooming operation
•    Medical Payment Expense for the animals in your care, custody and control
•    Inspection costs by insurance companies included in your premium
•    An adequate amount of coverage for your property, including building (if required) and contents
•    An adequate amount of inland marine coverage (your property while in transport)

Preferred Businesses Would Have:
•    No building coverage
•    No overnight kennel
•    Up to 30 animals per day maximum
•    Pet Care Services Association accreditation
•    Grooming operations
•    Retail sales operations
•    No more than two losses or claims per coverage part (excluding closed without payment) incurred in the past five years (liability), three years (property/inland marine)
 
Available Limits of Coverage:
•    Maximum property value of $3,000,000
•    Coastal Zones – Maximum property values up to $500,000 per location
•    Liability Limits up to $2,000,000

Ineligible Businesses:
•    Veterinarian services
•    Stables
•    Those accepting equine or commercial animals
•    Those who sell products under their own label
•    Those who provide training for hunting, security, show or agility
•    Those involved in pet adoption or pet rescue
•    Businesses with pending or prior bankruptcies
•    Those with existing tax liens
•    Businesses with 2 General Liability losses in the past 3 years and/or risks with 2 Property/Inland Marine losses in the past 3 years
•    Those who located Louisiana

If you are in search of insurance coverage for your pet-related business, contact Boardwalk Insurance Group today for your free quote.  We offer commercial general liability insurance, commercial property insurance, inland marine insurance floaters, umbrella policies, worker’s comp policies and much more.  Since Boardwalk is an independent insurance agency, we represent several insurance companies and insurance brokers, giving us the opportunity to shop insurance coverage for our clients.  This assures you get the best deal, not only in terms of pricing, but also for the coverages you need in your specific situation.

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 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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