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CAT | Professional Liability Insurance

Professional Liability Insurance for IT Consultants 4.75/5 (95.00%) 4 votes

Being a part of the information and technology industry can be very rewarding.  It gives people the chance to work with constantly changing, cutting edge technology as soon as it becomes available.  As technology gets more and more complex, simple mistakes can unfortunately have profound effects.

Professional liability insurance gives IT consultants valuable protection from any damage claims of poor advice may cause.  When IT consultants are working on websites or software, a simple keystroke out of place in a line of code can throw the entire program off.  Professional liability insurance can protect the IT consultant from any loss claims by their client stemming from this faulty programming.  Professional liability insurance can also be called errors and omissions insurance, named since errors and omissions are common sources of claimed damages.

Business Types Covered:

  • Website Design
  • Software Development
  • Database Administration
  • Web Hosting
  • Software/ Hardware Sales
  • Graphic Design
  • Telecommunications

Our MicroTek Pak Product Targets:

  • IT Consultants with up to $500,000 in revenue
  • Up to 3 Professionals

Minimum premiums start as low as $995.

Our SuperTek Pak Product Targets:

  • IT Consultants with up to $15,000,000 in annual sales

Policy Highlights:

  • Defense Outside the limits of liability
  • Broad Form endorsement includes coverage for:
  • Personal Injury
  • Failure to Prevent Unauthorized Access
  • Malicious Code
  • Intellectual Property

Professional liability insurance protects individuals and businesses from simple, but potentially powerful, mistakes they make.  To find the best professional liability insurance, an independent insurance agent, such as a representative from Boardwalk Insurance Group, can do the work of shopping around to find the best professional liability insurance 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.

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Who Needs Professional Liability Insurance? 4.50/5 (90.00%) 2 votes

Professional liability insurance protects professionals where a small error in their work could have disastrous financial results for their client.  Professionals who give out advice or handle paperwork are the most prominent holders of professional liability insurance, however many professions can use professional liability insurance to protect themselves from the cost of error related damages.

Professional liability insurance is important for many professionals, since it protects them from the financial damages related to an error in their work.  Professional liability insurance can cover a wide variety of professions where precision can be very important, and lack of precision can be very costly.

Here is a small selection of risks considered:

  • Architects/Engineers
  • Advertising Agencies
  • Animal Grooming Services
  • Auctioneers
  • Billing Services
  • Car Title / Tag Services
  • Caterers
  • Claims Adjusters
  • Collection Agencies
  • Consultants
  • Credit Investigations
  • Direct Mail Services
  • Employment Agencies
  • Event Planners
  • Expert Witness
  • Funeral Directors
  • Hotel Managers
  • Management Consultants
  • Marketing Consultants
  • Real Estate Agents
  • Tax Preparers
  • Temp Services
  • Trainers
  • Travel Agents
  • Administrative / Office Services
  • Alarm Monitoring
  • Answering Services
  • Bookkeepers
  • Career Counseling / Researchers
  • Claim Administration
  • Composers / Lyricists
  • Court Reporters
  • Data Processors
  • Ergonomic Consultants
  • Forensic Analysts
  • Graphic Designers
  • Home Inspectors
  • HR Consultants
  • IT Consultants
  • Media/Publishing
  • Marketing Firms
  • Medical Billers / Coders
  • Mortgage Field Services
  • Photo Services
  • Property Managers
  • Telemarketing Services
  • Third Party Administrators
  • Translators

If you do not see what you need on this list, contact Boardwalk Insurance Group to see if your profession can be covered.

Professional liability insurance is important since small errors in their work can lead to costly financial losses.


Professional Liability Insurance Products for IT Pros 5.00/5 (100.00%) 2 votes

Information Technology professionals are tasked with creating and maintaining many electronic files, infrastructure, and information for businesses.  Being successful in the information technology business means handling quite a bit of information and interpreting and distributing it for others to use.  Unfortunately it is almost inevitable that mistakes are made.

Professional liability insurance protects many types of professionals, including those in the information technology industry.  Professional liability insurance covers losses due to negligence, misrepresentation, unfair dealing, and poor or inaccurate advice.  Professional liability insurance is unique because the damages are not physical, but they can still be financially harmful.

Our MicroTek Pak Product Targets:

  • IT Consultants with up to $500,000 in revenue
  • Up to 3 Professionals

Minimum premiums starting as low as $995.

Our SuperTek Pak Product Targets:

  • IT Consultants with up to $15,000,000 in annual sales

Policy Highlights:

  • Defense Outside the limits of liability

Do you know any professionals working in:

  • Website Design
  • Software Development
  • Database Administration
  • Web Hosting
  • Software/ Hardware Sales
  • And many, many more


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Insurance for Daycare / Childcare Facilities and Nursery Schools 4.80/5 (96.00%) 5 votes

Children are the light of our lives, however they can be a hassle when juggling all the other responsibilities in life, such as work.  Many families opt to place their children in childcare, so that they can continue working.

Knowing your children are safe at the childcare is extremely important since there is a lot of trust placed in the employees.  For childcare facilities, childcare insurance protects the business from many damages that may threaten it.  Childcare insurance also includes liability insurance giving an outstanding amount of coverage on all fronts.  Childcare insurance can cover a variety of properties, including daycares and nursery schools.

This insurance coverage can provide a comprehensive product for both commercial and residential Child Care facilities.


  • IN-HOUSE BINDING AUTHORITY – Quick quote turnaround
  • Superior policy issuance
  • Low minimum premium
  • Broadest Coverage
  • Priced to Sell


  • Professional Liability for no additional charge
  • Child Molestation and Abuse limits to the General Liability Limit with no Liability Deductible (Commercial)
  • The definition of abuse includes corporal punishment
  • Medical Payments coverage automatically provided for no additional charge for enrolled students
  • Defense Cost Reimbursement coverage for false Child Molestation and/or Abuse allegations against the facility owner, operators or employees
  • Employees including Directors and Assistant Directors are insureds under Child Molestation and/or Abuse coverage (Commercial)
  • Hired and Non-Owned Auto coverage
  • Coverage for facilities with pets and field trips
  • Coverage for extended hour and overnight commercial Child Care facilities and/or “drop in” centers
  • Special Form including Theft and Replacement Cost coverage available
  • Equipment Breakdown coverage including spoilage of perishable items
  • Value Plus Endorsement is available on accounts eligible for Special form offering 14 optional coverages for one low flat charge including: Signs, Money, & Securities, Employee Dishonesty, Accounts Receivable coverage and much more
  • Background checks with preferred pricing


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Professional Liability Insurance for Various Professional Occupations 3.50/5 (70.00%) 2 votes

Mistakes are an unfortunate part of life, even for the most meticulous, detail-focused people.  Even more unfortunate is that simple mistakes can have enormous consequences.   To protect many professionals from the effects of any errors or omissions that may be overlooked while working with their customers, Professional Liability Insurance is a must.

Professionals are generally recognized as experts in their field and garner a level of respect and trust that their work will be of good quality.  Even the most detailed professional can still make a mistake but professional liability insurance protects the professional from any damages and negative effects due to a mistake on their work.

Boardwalk Insurance Group has been writing professional liability insurance for many years, so do not take chances with your valuable business.  We have markets for most MPL classes, here is a partial list of risks considered:

Allied Healthcare

Architects & Engineers

Billing Services

Claims Adjusters

Consultants – all classes

Convention/Events Planners

Employee Screening

Expert Witness

Home Inspectors

Insurance Agents

Information Technology


Medical Billing

Mortgage Field Services

Payroll Services

Property Managers

Real Estate Agents


Tax Preparer/Bookkeeper


Title Agents

Travel Agents

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Insurance for Electronic Stores and Retailers 4.67/5 (93.33%) 3 votes

Electronic stores and retailers generally carry many expensive electronics and other costly merchandise.  To protect your electronic store or retail business, good insurance is a must.

Insurance for electronic stores and retailers can protect many types of merchandise from many different perils.  With all the new expensive electronics entering the market daily, it is important to have adequate insurance in case the unexpected happens.


  • ·         Appliance
  • ·         Camera
  • ·         Computer
  • ·         Phone
  • ·         Radio
  • ·         Stereo
  • ·         Television
  • ·         Video Game


  • ·         Loss of Income – 12 month Actual Loss Sustained Basis with a maximum limit
  • ·         Our Value Plus Endorsement
  • ·         Equipment Breakdown
  • ·         Non-Owned & Hired Auto coverage (no delivery service)
  • ·         Money & Securities coverage
  • ·         Signs coverage
  • ·         Glass coverage


An Electronic Store Owner Needs the Right Coverage:

  • ·         General Liability that includes coverage for mental anguish or emotional distress
  • ·         No Coinsurance clause on the property coverage
  • ·         Loss of income on an Actual Loss Sustained basis
  • ·         Peak Season coverage for Business Personal Property

Coverage Features:

  • ·         Business Policy Form
  • ·         General Liability that expands the definition of Bodily injury to include mental anguish or emotional distress with no deductible
  • ·         Non owned and Hired Car coverage
  • ·         Loss of Income on Actual Loss Sustained basis up to the stated limit
  • ·         No Coinsurance Clause; No Classification Limitation or Designated Premises Endorsement
  • ·         Personal Property of Others up to the Contents limit
  • ·         $5,000 Transit coverage
  • ·         Replacement Cost available
  • ·         Special Cause of Loss including theft available
  • ·         Value Plus Endorsement is available on account eligible for Special form offering 13 valuable coverage enhancements; including water backup, Money & Securities, Employee Dishonesty, Valuable Papers, Signs, Account Receivable and More
  • ·         Employee Dishonesty


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Insurance Brokers and Agents E&O Insurance 4.33/5 (86.67%) 3 votes

Let’s face it, everyone is human and everyone makes mistakes.  However, simple mistakes can have very large repercussions.   To protect insurance brokers and insurance agents from the effects of any errors or omissions that may be overlooked while working with their customers.

Error and omissions insurance combats the ever-increasing liabilities associated with the service industry, with insurance brokers and agents included.  Something as simple as a misprinted name or a misplaced number can have drastic effects on an insurance policy for the insured party, but e&o insurance can protect the insurance brokers or agents from any damages and negative effects on their work.

Target Clients

-      Agent/Broker with up to 100mil in Premium volume

-      Clean claim record

-      No MGAs, Reinsurance Brokers, or distressed firms


-      Duty to defend wording

-      Softened Hammer Clause

-      Carve-back for Punitive Damages, where insurable by law

-      Automatic coverage for Independent Contractors

-      True worldwide coverage

-      Optional coverage to include defense costs in Addition to Limits of Liab.

-      Lloyd’s paper – rated A (Excellent) by AM Best

-      Coverage for carrier insolvency rated A- or better at the time of placement

Limits Available

-      Primary Limits to 5mil; Excess capacity available

-      Min premium $1,500

-      Min deductible $1,000

Quoting Process

We can provide initial terms with any completed app.

Required to bind:

-      Fully completed, signed and dated application

-      Risk Management details if there are claims


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Construction Equipment Insurance 4.00/5 (80.00%) 3 votes

If you own or manage a construction company that owns its equipment, construction equipment is important to protect some of the most important and expensive assets the company owns.

Finding the best coverage for your construction equipment does not normally fit in construction job timelines, but independent insurance agencies, like Boardwalk Insurance Group can save time and money by shopping for your company.  Boardwalk Insurance Group has several locations for your convenience and is licensed in over 25 states.  Most times, Boardwalk Insurance Group can get your company a quote for your construction equipment insurance policy in 24 hours or less.

Reasons to Purchase Contractor’s Choice Equipment Coverage & Potential Ways to Lose Your Equipment:

•     Damage by fire caused by mechanical breakdown

•     Arson of your equipment by prior employees

•     Snow or ice damage

•     Vandalism or malicious mischief

•     Theft of miscellaneous tools and equipment from your vehicle or secured jobsite

•     Lightning striking your equipment

•     Overturned equipment

•     Collision

•     Flood

•     Transit collision

Product Features:

•     Replacement cost valuation available for all equipment up to five model years old

•     Miscellaneous tools and equipment coverage can be included on a blanket basis

•     Theft coverage can be excluded for a premium discount

•     Full coverage is provided for transit exposures

•     Flood coverage automatically included to full limit of insurance (Not available in coastal areas)

•     Earthquake coverage automatically included to full limit of insurance

•     Additionally acquired contractor equipment automatically covered for up to 60 days (available upon approval)

•     Debris removal up to 25% of loss; plus $5,000 if limit exceeded

•     Rented/borrowed (from others) equipment coverage is available for a flat fee annually (options of $25,000 or $50,000 per piece)

•     Coinsurance does not apply to blanket property or rental equipment

•     Scheduled equipment is automatically registered in the National Equipment Registry Theft Database

•     In case of a claim, same day contact by claims adjuster and physical inspection of damaged property within seven hours

•     Theft coverage can be excluded for a premium discount

Limits of Insurance:

•     $1,000,000 per schedule of equipment

•     Florida and Coastal $500,000 total limit per schedule

•     $150,000 per individual piece of equipment

•     $15,000 on miscellaneous tools and equipment

If you need an insurance quote for your construction equipment, contact Boardwalk Insurance Group today.  Their friendly and knowledgeable representatives are ready to assist you.


Pollution Liability for Contractors 4.00/5 (80.00%) 2 votes

If you own or work for a company that handles contract work in polluted areas, pollution liability insurance is a must.  Protecting you and you workers is imperative, and the pollution liability insurance covers many different contractors and many different situations.

While contractor jobs and situations vary, this pollution liability insurance helps protect contract workers in the event of an accident when pollutants are involved.  Independent insurance agencies are best when it comes to pollution liability insurance policies.  They have access to many different insurance companies and brokers, allowing them to shop around on behalf of their customer.  Boardwalk Insurance Group is an independent insurance agency specializing in commercial insurance products.  Boardwalk has several locations and is licensed in over half the United States.  Turnaround for most policies is less than 24 hours.

Policy Highlights

•     Occurrence or Claims Made Form

•     Nose Coverage and Prior Acts Available

•     Annual & Per Project Policies

•     Can add Transportation Pollution Liability for any/all of the Contractors Vehicles

•     Can add Site Pollution Liability for any/all Contractors Premises/Yard

•     Standard Limits:

•     Base limits up to $1,000,000 per occurrence with a $1,000,000 policy aggregate is available. (lower limits also available).

•     Limits up to $6,000,000 are readily available on both an annual or per job basis.

•     Minimum Deductible: Deductibles start at $2,500 per occurrence

•     Minimum Premium: Starting at $2,000 for Occurrence Form Coverage

•     Note: Some classifications require higher minimum premiums.

•     Mold Coverage: Claims Made Form ONLY

•     Minimum premiums vary due to Location and Classification

•     Application Requirements:

•     Indications are usually available upon receipt and review of other companies’ complete submissions.

•     Oftentimes, we are able to bind the risk with other companies’ completed applications.


•     Above Ground Storage Tank

•     Build Back/Restoration

•     Carpentry/Framing

•     Carpet/Upholstery Cleaning

•     Concrete (Foundation)

•     Concrete (Other)

•     Construction (Residential)

•     Construction (Comm./Ind.)

•     Debris Removal

•     Demolition (Interior)

•     Demolition (Exterior)

•     Dredging

•     Drywall/Wallboard

•     Drillers (not oil & gas)

•     Electrical

•     Emergency Response – Fire

•     Emergency Response – Sewage

•     Emergency Response – Water

•     Excavation

•     Flooring

•     Furniture Moving

•     Grading of Land

•     HVAC

•     Industrial Maintenance

•     Insulations/Fire Proofing

•     Landscaping

•     Masonry

•     Mechanical Construction

•     Metal Erection

•     Mold Abatement

•     Painting (Interior)

•     Painting (Exterior)

•     Pile Driving

•     Plumbing

•     Refrigeration

•     Roofing (Hot tar)

•     Roofing (all other)

•     Salvage Operations

•     Sewer Main Construction

•     Street Road Contracting

•     Tank & Pipe Cleaning

•     UST (Removal)

•     Waste Water

•     Water Extraction

•     Water Main Construction

•     Welding


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Various Errors and Omissions and Directors and Officers Liability Insurance Products 4.33/5 (86.67%) 3 votes

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.

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