Boardwalk Insurance Group | Auto, Home, Commercial, Life and Health Insurance for Residents and Companies in the United States

CAT | Kit Car Insurance

Finding an Auto Insurance Policy 3.71/5 (74.29%) 7 votes

Finding the right car for you is an important decision and a significant investment.  You probably want to protect it somehow, but after buying your dream car, or just something to get you around the block, you probably have better things to spend money on besides replacement of the car and medical bills in the event of an accident.  Auto insurance can do that, and is a requirement nearly everywhere if you own or operate a vehicle on the road.  For businesses, commercial auto insurance is just as important, whether you have one vehicle or one hundred in your fleet.

In the United States, auto insurance is required to have a minimum amount of liability coverage to pay for damages caused in an accident.  If you are deemed liable, your auto insurance will pay for both property damage and medical expenses to spare you the brunt of the costs.  Each state has its own minimum liability auto insurance requirements, and limits can either be combined total coverage or split coverage for property damage and bodily injury.  Auto insurance can be upgraded to a full coverage policy, which is divided into collision and comprehensive insurance.  Collision auto insurance covers damage caused in a collision with another object regardless of fault and comprehensive auto insurance covers damage caused by anything other than a collision (such as fire, theft, weather, or other “Acts of God”).

Commercial auto insurance has many of the same options as personal auto insurance but is tailored for a business setting.  Many businesses will own multiple vehicles and have multiple drivers, and this all is taken into account for a commercial auto insurance policy.  For large vehicle fleets, commercial auto insurance can be written as fleet insurance, so individual policies do not have to be written for individual vehicles.  Commercial auto insurance also looks at the driving records of individual drivers, so business owners need to look closely at the driving history of their employees.

Other types of auto insurance policies cover unique situations.  Uninsured and underinsured motorist auto insurance protects you when the party at fault has no insurance or insufficient insurance to cover the damages.  Lack of insurance is becoming increasingly prevalent, making this type of auto insurance more appealing.  Loss of use auto insurance covers the cost of a rental car when your primary vehicle is being repaired due to covered damage.

Auto insurance has many facets and can be very complicated when shopping around for a policy.  Auto insurance is offered by nearly every major insurance agency and many smaller ones as well.  Finding the best auto insurance policy for you can take a lot of time and money.


Auto Insurance Protects Your Vehicle 4.67/5 (93.33%) 3 votes

Whether used as a daily commuter, a weekend cruiser, a grocery getter, or a piece of the work fleet, your vehicles are generally a very important part of your daily life.  Vehicles can also be a significant investment on the part of the owner, whether it is a personal vehicle or a business vehicle, and auto insurance is a must to protect it.  More importantly, most states require auto insurance, making it the law.

Both personal auto insurance and commercial auto insurance come in many different shapes and sizes, just like the vehicles they insure.  Basic auto insurance comes as simply liability insurance, shielding the owner from the costs of repairing the damage and medical costs if the insured driver is responsible.  The minimum liability auto insurance limits are what states regulate as part of their minimum auto insurance requirements.  In addition to liability auto insurance, collision and comprehensive auto insurance can also be taken out for your vehicle.  Collision auto insurance protects vehicle owners from the costs of repairing a vehicle when it is involved in a collision.  Sometimes collision auto insurance is required for an auto loan.  Comprehensive auto insurance protects the vehicle owner from the cost of damage resulting from many other hazards besides a collision, including “Acts of God” hazards, including tornadoes, floods, or hail.

In addition to standard auto insurance and commercial auto insurance policies, there are several add-on policies that have special protections.  Increasingly, auto insurance is neglected as money gets tight, and in the event of a collision, the party at fault does not have insurance or the financial ability to cover the repair costs.  Uninsured and under insured motorist auto insurance protects the policy holder if the at-fault party cannot afford to cover repairs, whether the at-fault party is insured or not.  Loss of use auto insurance reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is being repaired due to covered damage.

Commercial auto insurance also has special insurance considerations.  In personal auto insurance policies, for the most part, the owner is the operator.  For commercial auto insurance, many different users can use the vehicle and need to be covered.  In addition, the potential operators might have the option to operate many different vehicles in a corporate fleet.  This kind of flexibility requires commercial auto insurance to have special provisions for this.  In addition, for large fleets, commercial auto insurance can be provided through a fleet insurance package, which can be a more cost effective insurance solution than individual commercial auto insurance policies.

Auto insurance is almost universally a necessity and many insurance providers offer both personal auto insurance and commercial auto insurance options.  However, shopping for auto insurance quotes and business insurance quotes for commercial auto insurance can be very time consuming.

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Auto Insurance – Protect Your Transportation 4.44/5 (88.89%) 9 votes

Aside from a home, a vehicle is probably one of the most important personal investments outside of a home.  For companies that provide transportation for employees, auto insurance can also provide protection from any on the job mishaps.  In addition, auto insurance is required in most states, ensuring that anyone that owns a vehicle should be looking into getting auto insurance to protect their investment.

There are several types of auto insurance coverage: liability, comprehensive, and collision, along with several other types of more specialty coverages, such as medical, uninsured/underinsured motorist, and rental reimbursement.  In addition, for commercial auto insurance, other factors need to be addressed, such as the amount of drivers and their driving record.  Otherwise, many factors tied to the auto insurance premium are the same for personal and commercial auto insurance policies.

Liability auto insurance is the basic minimum coverage required in most states; however the value of the minimum auto insurance coverage varies by state.  Liability auto insurance covers injury and property damage to others, but not to the owner of the vehicle itself.  Collision auto insurance is specifically for damages caused in a collision, while comprehensive auto insurance covers vehicle damage from just about anything not collision related: whether it is fire, weather related, or even vandalism or theft.  Medical coverage is for medical expenses regardless of fault resulting from an auto accident.  Increasingly, uninsured and under insured motorist auto insurance is needed, protecting the insured when the accident is caused by a driver who has no insurance or does not have enough insurance to cover the damages.  As a boutique type of policy, rental reimbursement auto insurance is also available; which pays for a rental car while the primary car is being repaired due to an auto accident.  All these coverages can be mixed and matched to create the best auto insurance policy for your needs.

For business vehicles, commercial auto insurance is a little different.  While many coverages pertaining to personal auto insurance can be used, there are certain requirements for commercial, or work vehicles that must be noted.  The number of vehicles and drivers also can affect a commercial auto insurance policy.  Fleet insurance may also be a better alternative if there are a large number of commercial vehicles owned by the business.  Getting business insurance quotes can help get the best commercial auto insurance for the price.

States are generally doing everyone a favor by requiring motorists to hold an auto insurance policy.  The protection even basic liability insurance affords can go a long way in helping get those affected by an accident back on their feet.

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Customized Auto Insurance – Don’t Take the Minimum 4.86/5 (97.14%) 7 votes

Insurance is designed to reduce most of the financial liability or loss of property resulting from unforeseen events.  Auto insurance is no different, shielding automobile owners from the risk of financial harm or loss resulting from a vehicular collision or other vehicular damage.  While the type of auto insurance can vary based on the purpose of the vehicle, most auto insurance policies fall under personal or commercial auto insurance.

Auto insurance in some form is required in nearly every state in the United States except Virginia, where a $500 annual fee is required if liability insurance is not purchased and New Hampshire, where personal responsibility can be proven by meeting certain standards.  Other states require by law some form of auto liability insurance to cover injury or property damage caused.  However, the minimum insurance rarely covers damages to the person at fault, so choosing the right auto insurance policy is very important.

Full coverage auto insurance covers both the operator and the other parties involved in a collision and includes collision insurance, comprehensive insurance, and liability insurance.  Collision insurance will cover repair costs of a vehicle or the cash value of the vehicle if it is totaled.  Comprehensive insurance covers vehicles in situations other than collisions, such as fire, damage from theft, vandalism, or other damage.  Most comprehensive auto insurance policies will also cover “Acts of God” beyond human control, such as floods, tornadoes, or other similar events.

There are several other forms of auto insurance that fit special needs, including uninsured or underinsured motorist coverage, loss of use, GAP coverage, towing, and personal property insurance.  Uninsured/underinsured motorist coverage (UM/UIM) ensures the party that is not at fault is not stuck with a bill due to the at fault party’s inability to pay.  While often overlooked, the number of uninsured drivers can be over 30% in some parts of the country, so UM/UIM coverage is very important.  Loss of use coverage reimburses the policy holder for the cost of a rental vehicle while an insured vehicle is repaired due to a loss that is covered under the existing insurance policy.  GAP coverage protects a new car is damaged beyond repair; however the loan is valued higher in the car.  GAP coverage was established as car price increased, auto loans ran longer, and vehicles were leased more frequently.  Towing insurance covers the use of a tow truck when used for non-accident reasons, such as a flat tire or mechanical breakdown.  Personal property auto insurance covers personal items in the vehicle not attached to the vehicle, such as a laptop that was damaged in a car accident.

To cover business property and absorb the financial risk from damage, commercial insurance policies are available.  To cover work vehicles, commercial auto insurance policies can be created.  For most vehicles, commercial auto insurance is not needed, however a vehicle owned by the business and used for more business than personal use, a policy can be advantageous.  Generally, employees using work vehicles are less likely to treat them as their own, and work vehicles are more likely to be put under more stress and in more hazardous situations, so commercial auto insurance could be a very helpful solution, especially in heavier industries.

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High Value Property Insurance Products 3.50/5 (70.00%) 6 votes

High value properties need more insurance protection than most other properties.  However, the increased premiums that would result when using a standard business insurance policy can be cost prohibitive.  High value property business insurance is specially written for high value properties.

Business insurance is important for every business to protect from loss.  High value properties require more insurance for the increased protection, however standard business insurance can be too expensive for high value property needs.  Insurance agencies can write high value property insurance to better suit the needs of the high value property.

Classes of Business

  • Retail Jewelers
  • Wholesale/Manufacturing Jewelers
  • Diamond Dealers
  • Shippers and Packers
  • Private Art Collectors
  • Corporate Art
  • Antique Collectors
  • Museums

Many more classes available

Additional Coverages Available

  • Kidnap and Ransom
  • Piracy
  • Political Violence (including war and terrorism)
  • Personal Accident Assault Coverage


Insurance for Exotic Cars, Classic Autos & Specialty Vehicles 4.33/5 (86.67%) 3 votes

Are you looking for exotic car insurance for your exotic auto?  Do you own a classic car?  Did you purchase a kit car or other specialty vehicle?  If so, there are some things you should know and consider while searching.

1. Not all auto insurance companies will insure exotic cars, classic cars or specialty cars.  In fact, most do not.

2. There are specialty companies who insure only exotic autos, classic cars and kit cars.

3. There are a few insurance companies which insure not only exotic cars, but also regular vehicles.

4. When you own an exotic car, insurance companies are at greater risk for loss simply due to the possible claim amount in the event that an incident occurs, whether it’s your fault or not.

5. High performance cars also pose issues for insurance companies because claims can occur from driver error, primarily issues with vehicle control.

Whether you have one exotic or a car collection including exotics and classic cars, it’s important you carry the right coverage for you and your vehicles.  If an incident happens, you should have peace of mind in that your vehicle is covered and that you personally are not at risk.

This means you need to carry insurance coverage limits which are appropriate to your particular situation.  How? Let’s start with your liability coverage.  This covers you for claims made by third parties for injuries to individuals or other vehicles.  Most states require a minimum of 25/50/25 coverage.  This means you have $25,000 in coverage for any one person you injure, $50,000 for any one incident and $25,000 for physical damage to property.  When you break it down like this, you can see that state minimum limits are not much at all, especially considering medical costs and average vehicle values these days.  What you, as the insured, need to consider is the amount of exposure you have in the event of a claim.  If you are a high net worth individual, then you can bet that the person you hit will hire an attorney who will not only eat up your insurance limits, but also come after your personal fortune.  Because of this, it’s imperative that you carry higher limits of coverage and even consider a personal umbrella policy.  Your insurance agent should help you determine what limits you should carry.

You also need to carry comprehensive and collision coverage.  This is what insures your vehicle.  How much coverage you get for your exotic or classic car is usually determined by your insurance company, but many insurance companies are now allowing “stated amount” coverage due to the varying values for exotic and classic cars.  What does this mean for you?  Simply put, you get to put a value on your car and the insurance company will insure it up to the amount you provide them.  In the event of a total loss, they will pay you the stated amount.  So if you got a good deal on your car, make sure you insure it for what it would cost to buy another one.  If you made modifications to your car, take those into consideration as well.  Your premium for this coverage will be based on the amount you provide, but, in the grand scheme of things, it’s better you go with a higher amount and pay a little more in premium.

Aside from the above, the next most important coverage for you to carry is Uninsured or Underinsured Motorist coverage.  As stated, state minimum limits are very low ($25,000 in property damage in most states).  If someone hits your expensive vehicle and only has minimum limits, you will end up with a nightmare on your hands.  For this reason, it’s better you carry adequate UM/UIM coverage which will allow you insurance company to step in and take care of the damage above and beyond what the other person’s insurance company pays.

Personal Injury Protection coverage is also nice to have if you’re going with everything above.  This coverage, often referred to as PIP, is usually a “no-fault” coverage protecting you against medical expenses in the event of an incident, whether it’s your fault or not.

Depending on the state that you reside in, the info above can vary.  However, as the owner of an exotic auto or classic vehicle, it’s important you know the basics so you can make an educated decision on your coverage.

Another item to note is that the cost of insuring an exotic or classic auto is probably much less than you think.  It’s all about matching you up with the right insurance company for your situation.

Boardwalk Insurance Group specializes in insuring exotic cars and classic automobiles.  Our clients include celebrities, politicians, successful entrepreneurs and more.  Our staff is highly experienced in creating custom solutions for all individuals and all information is kept private and secure within our agency.  Here is a list of exotic/specialty car manufacturers we can insure:

  • Acura (NSX)
  • Alfa Romeo
  • Aston Martin
  • Audi (R8)
  • Avanti
  • BMW
  • Bricklin
  • Bugatti
  • Campagna
  • Chevrolet (Corvette Line)
  • Cobra
  • DeLorean
  • DeTomaso
  • Dodge (Viper Line)
  • Ferrari
  • Fisker
  • Ford (GT)
  • Hennessey
  • Koenigsegg
  • Lamborghini
  • Lexus (LFA)
  • Lotus
  • Maserati
  • Mercedes Benz
  • Morgan
  • Mosler
  • Nissan (GT-R)
  • Panoz
  • Porsche
  • Rossion
  • Saleen
  • Shelby
  • Spyker
  • Tesla
  • Toyota (Supra)
  • TVR
  • and many more…

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