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 are a business owner in Texas and would like to carry a worker’s comp policy on your employees, Boardwalk Insurance Group has many programs specifically designed for your business.  We even have preferred programs which provide custom coverage and special rates for various industries.

Preferred Classes:
Landscape Garden & Drivers
Machine Shop
Masonry
Lawn Maintenance by Contract
Plumbing & Drivers
Concrete or Cement Work
Grocery Retail Stores
Retail Stores
Wholesale Grocery Stores
Auto Service Station & Drivers
Auto Repair Shop & Parts
Physician & Clerical
Hotel: ALL Employees & Drivers
Restaurant
Trucking
Electrical Wiring within Buildings & Drivers                                                Painting/Paperhanging
Clothing / Apparel / Dry Goods Retail Stores
Clubs: Country Clubs, Golf Courses, Fishing, Yacht & Clerical

Additional Classes:
Sheet Metal Workshop & Outside
Concrete Construction
Fence Erection: Metal
Wholesale Stores
Jewelry Stores
Retail Drug Stores
Buildings: Operation by Owner or Lessee
Beauty Parlor / Barber Shop / Tanning Salon
Day Care / All employees
Laundries and Laundromats
Roofers
And many more.

If you don’t see your business on this list, give us a call or send an email to discuss.

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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Do you own or operate a hotel or motel? If so, it’s critical that you have hotel insurance coverage in place at all times. 

Not only is it a requirement of your mortgage company, but hotels and motels are susceptible to a myriad of insurance claims on their commercial property insurance policy to their general liability insurance policy.  Some even experience claims which are high enough to reach their hotel umbrella insurance policy.

The cost of this insurance has been on the rise over the last 5 years due to the number of commercial property claims hotels and motels have been reporting.  We are seeing enormous losses from tornados, hurricanes and other wind and hail storms.  This has cause reinsurance companies to raise their rates which is passed down to insurance companies, then you, the insured. 

However, there is hope!  Specialty insurance agencies, like Boardwalk Insurance Group, have access to unique programs which have helped clients save thousands on their insurance coverage.  Their typical hotel and motel insurance package includes the following types of policies (can be purchased separately or all together):

• Commercial Property insurance (for your buildings and business personal property/contents)
• Commercial General Liability insurance (for claims from third parties)
• Commercial Umbrella insurance (for liability claims which exceed your commercial general liability coverage)
• Worker’s Compensation aka Work Comp or Workman’s Comp
• EPLI (Employment Practices Liability)
• Commercial Auto aka Business Auto (for hotel shuttle vans, etc.)
• Boiler & Machinery

Here are some common claims that occur at hotels and motels all around the US:

•    A guest stumbles down a stairwell and suffers a broken leg
•    A mirror falls from the wall and causes a laceration on a guest
•    A guests alleges that due to lack of proper security, their personal belongings have been stolen

Here are the standard coverages and features available with Boardwalk Insurance Group, with more available as the need arises:
•    General Liability with limits up to $1,000,000 occurrence/$2,000,000 aggregate
•    Commercial Excess General liability or Umbrella limits available up to $15,000,000
•    Hired and Non-owned Auto Liability
•    No General Liability deductible
•    Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
•    No inspection fees charged

•    Discounts available for:
1.    Risks built within the last 20 years
2.    National franchises
3.    Risks with inside room access only with changeable card entry
4.    For risks with swimming pools, if there is a lifeguard at all times when the pool is open

5. Multiple properties

Broad Eligibility To Include:
•    Up to 500 rooms per location with no cap on annual receipts
•    New Ventures
•    Risks with up to 2 swimming pools without diving boards or slides and with proper life safety controls
•    Risks with other commercial occupancies
•    Risks with restaurants on the premises (bars and/or major entertainment are ineligible)
•    Risks with fitness centers on the premises

If you own or operate a hotel or motel in any of the states below, you owe it to yourself to shop around for better insurance, not only in terms of pricing, but also in terms of coverage.  Contact Boardwalk Insurance Group today to get a free, no obligation quote.  Our process is simplified and doesn’t require much of your time.  You will not be disappointed.

Boardwalk Insurance Group

1-866-595-4077

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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