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

CAT | Renters Insurance

Boardwalk Insurance Group Protects Your Boat 4.50/5 (90.00%) 6 votes

Whether you own a small sailboat, a pleasure yacht, a fishing fleet, or Panamax cargo ships, marine insurance is extremely necessary to protect your craft, and potentially your business.  Just like the boats and ships on the water, marine insurance comes in many shapes and sizes and can be customized to fit just about any waterborne craft.

Personal boat insurance is going to be the most basic marine insurance policy and could be required if you take out a loan to purchase the boat.  Boat insurance can cover anything from a small jet ski up to a large luxury yacht.  The exact scope and amount of coverage depends on the owner of the craft and what they want to insure.  For something as simple as a jet ski, there generally is not much property to insure, so other than liability coverage for the operator and the jet ski itself, the marine insurance policy is quite simple.  For something larger, even a small motorboat, generally there are small electronics used for navigation and sometimes personal property, such as fishing poles, so the marine insurance policy would need riders to cover that.  On luxury craft, everything from the galley appliances to the artwork in the cabins can be covered, so comprehensive marine insurance can be written.  Boat insurance generally covers fires, sinking, fuel spills, and grounding, and dock liability riders can be added for extra protection from liability and damage done at a dock or marina.

Marine insurance for ships of commerce can get more complicated.  Anything from a small motorboat used for fishing tours to the latest super tankers can be covered under commercial marine insurance.  The difference is that commercial ships have certain extras that need coverage that personal craft do not.  Commercial marine insurance needs to address cargo and crew coverage in addition to hull coverage.  Damaged cargo is probably one of the most frequent liability situations faced by ship owners.  Marine insurance policies can provide coverage toward the value of the goods damaged in shipment.  Similar to personal marine insurance policies, commercial marine insurance policies provide coverage from much of the same hazards on the water, including fires, sinking, fuel spills, and grounding.  Commercial marine insurance can help offset the cost of salvaging the boat or ship in the event something renders it inoperable.

Marine insurance is important for anyone who owns and operates a boat or ship.  There are many hazards on the water and even a small error can have severe consequences.  Marine insurance affords boat and ship owners peace of mind and keeps them from being left on the hook for a large bill if unfortunate events occur.  Shopping for marine insurance and finding the best insurance policy for your boat or ship can be a hassle, but using an independent insurance agent can save you time and money.  Independent insurance agents are partnered with many insurance providers and can do the hard work for you while finding the best marine insurance policy for your boat or ship.


Boardwalk Insurance Has Homeowner’s Insurance 4.33/5 (86.67%) 6 votes

Purchasing and owning a home is considered a milestone achievement in everyone’s life.  The amount of investment involved in purchasing and maintaining a home makes protecting it from loss an expensive proposition.  Thankfully, homeowners insurance can be taken out on your property, giving you peace of mind that you are protected from many types of loss and will be able to recover.

Homeowners insurance is a broad type of insurance that covers pretty much any type of dwelling where a person lives.  There are many different options providing protection from varying types of hazards.  The cost of homeowners insurance is determined by the value of the property, the type of coverage, and any additional riders, or insured property, attached to the homeowners insurance.  There are other factors, mostly relating to how likely damage appears possible.  If your home is closer to a fire station or has hurricane shutters in a hurricane prone area, the cost of getting homeowners insurance decreases.

Unless you plan on buying your house outright, you will need to take out a mortgage.  Mortgage lenders always require homeowners insurance, so even if you were trying to get around getting homeowners insurance, you will need it until your home is paid off.  Which type of homeowners insurance is taken out is up to the new homeowner and can be adapted to many different situations.  Basic homeowners insurance provides coverage from 11 perils that are specifically listed in the homeowners insurance policy.  The perils are pretty basic, however they are common sources of damage and include fire, wind and hail damage, vandalism, theft, and other causes of damage.  A broader version of homeowners insurance adds an additional 6 perils to the original 11.  Like basic homeowners insurance, this expanded homeowners insurance only protects from listed perils.  The broadest forms of homeowners insurance name excluded perils instead of protected perils.  These homeowners insurance policies are the most comprehensive and most expensive due to the broad range of coverage.

For those that rent property instead of own, there is a form of tenant homeowners insurance that protects personal property with the same amount of coverage as regular homeowners insurance, however it does not need the structural coverage, which should be covered by the building’s owner.  Similar to tenant homeowners insurance, condominium homeowners insurance has reduced coverage for the structure but protects the personal property inside like regular homeowners insurance.  The last “special case” homeowners insurance available is called “Modified Coverage” homeowners insurance.  This type of homeowners insurance is for properties where the replacement value exceeds the market value.  This is great for unique properties that are custom designed with one of-a-kind fixtures or older properties where some of the structural features are no longer available or cost prohibitive to produce.

Homeowners insurance is extremely important to protect your property.  However, many insurance providers offer homeowners insurance, and finding the best one for you and your property can take a lot of time and effort.  Partnering with an independent insurance agency allows you to sit back while your agent does the shopping for you.  Through their affiliated insurance providers, independent insurance agencies have the ability to shop around for the best homeowners insurance for you and your property.


Boardwalk Has Information on Homeowners Insurance 4.75/5 (95.00%) 4 votes

Homes are important investments that can open the door to many other possibilities.  The purchase and ownership of a home allows you to use it as collateral for loans and is generally regarded as a major milestone in one’s life.  Homeowners insurance is the best way to protect such an important property and ensure you are not left in the cold in the event of an unforeseen disaster.

Homeowners insurance has about as many different options as there are different types of properties.  They come in several broad types of policies, ranging from a very basic, minimum coverage homeowners insurance policy to special homeowners insurance policies for older homes and rental properties.  Just as each home has its own unique features, each homeowners insurance policy must be tailor fit to the property it is protecting.

To help sort through the details, this blog will overview the major types of homeowners insurance policies.  Having some information is important when it comes to looking for the best homeowners insurance policy for your property so the insurance agent can build the most cost effective homeowners insurance policy and make sure the policy covers all the hazards that the homeowner wants.  The basic homeowners insurance policy, the HO1 policy, covers only a limited number of listed hazards specifically listed in the homeowners insurance policy.  However, it is generally the cheapest type of homeowners insurance where the home belongs to the policy holder (the exception being renter’s insurance, or HO4 insurance).  The basic homeowners insurance policy can have specific hazards covered through additional add-on policies, such as flood insurance (flood insurance is rarely included in homeowners insurance) to provide additional protection.  An expanded form of homeowners insurance is the HO2 policy, which adds on several more hazards that are covered, however like the HO1 homeowners insurance policy, only the named hazards are the ones that the policy will protect against.

The HO3 homeowners insurance policy is typically the most comprehensive form of homeowners insurance applied to single family homes.  While covered hazards are still named in the homeowners insurance policy, the list is very long, protecting from nearly every potential hazard that is not covered in a special insurance policy (such as earthquakes and floods).  For property owners, the HO5 is the next homeowners insurance policy, and instead of naming covered hazards, names excluded hazards.  Basically, if the cause of the damage is not listed in the homeowners insurance policy, it is covered by the homeowners insurance policy.

The basic homeowners insurance policies can afford varying degrees of protection for varying costs.  Other special types of homeowners insurance policies can also be adapted to special situations, such as renters insurance, condominium insurance, or insurance for older homes, where the replacement cost exceeds the property value.  Sorting through all these homeowners insurance options can be a difficult task, however an independent insurance agency can use its connections with many different insurance providers to do the shopping for you.

Protect Your Property With Boardwalk Insurance 4.42/5 (88.33%) 12 votes

The roof over your head is something that should never be taken for granted.  While it is a shelter, it has many more functions that you do not think about on a daily basis.  That is why protection in the form of homeowner’s insurance is so important, so when disaster strikes, you are not left out in the cold.

Homeowner’s insurance is the best way to protect your home and property from disasters that may befall it.  Not only to most homeowner’s insurance policies cover the structure itself, it also covers the property inside, as well as gives the homeowner liability insurance from accidents that might happen in the home or on the property.  There are many types of homeowner’s insurance policies to fit many situations and protect from many hazards, depending on how much you want your coverage to be.  In addition, the cost of a homeowner’s insurance policy is related to the home and the value of the contents inside you want insured.

The basic homeowner’s insurance policy is called the HO1, and lists 11 hazards or perils that it protects from.  Nearly every time, to get a mortgage on a home, some form of homeowner’s insurance might be required.  While doing without homeowner’s insurance in general is not recommended, for the term of the loan, the HO1 homeowner’s insurance policy will provide enough coverage.  The basic hazards included on the HO1 homeowner’s insurance policy typically include fire, lighting, windstorm, hail, vandalism, theft, damage from vehicles, civil commotion, glass breakage, volcanoes, and personal liability.  To expand what perils are covered for a minimum rate, the HO2 homeowner’s insurance policy can be used.  The HO2 homeowner’s insurance policy provides coverage on an additional 6 hazards, including falling objects, damage due to the weight of ice, snow, or sleet, water damage (not from a flood though), sudden and accidental structural failure (though not collapse), freezing, and sudden and accidental damage from an electrical current.

The HO3 homeowner’s insurance policy is one of the most common policies taken out.  In an HO3 homeowner’s insurance policy, named hazards are actually exclusions, so if something happens to your property, you are covered unless it is one of the listed exclusions.  However, in an HO3 homeowner’s insurance policy personal property is only covered under the hazards in an HO2 policy.  HO5 homeowner’s insurance policies are just upgraded HO3 homeowner’s insurance policies, affording an even greater level of protection.

The HO1, HO2, HO3, and HO5 homeowner’s insurance policies are the most common policies that most homeowners would look at for their property, however there are several policy types for special properties, such as renter’s insurance, condominium insurance, and old home insurance.

Garage Liability, Garage Keepers and Dealers Open Lot Insurance Programs 4.50/5 (90.00%) 2 votes

Auto shops and car dealerships generally have a lot of vehicles on their property.  The vehicles stored there, whether awaiting purchase or repair, are under the protection of the owner of the property.  If damaged or destroyed, the financial responsibility is frequently assigned to the property owner.

Garage liability insurance protects an auto repair business from any damages that occur when the business is open.  Garage liability insurance protects from liability claims made by employees and customers.  Garage keepers insurance protects from damages that occur while the auto shop is closed and protects customers’ vehicles being stored on the property.  Dealers open lot insurance is an insurance policy for auto dealerships, protecting the dealership from the cost of damage to vehicles on the lot.

Target classes

  • New & Used Auto Dealers
  • RV Dealers & Repair
  • Motorcycle Dealers & Repair
  • Gas Stations with Auto Repair & Convenience Stores
  • Auto Body & Paint Shops
  • Auto Stereo & Alarm Installers
  • Full Service Car Washes
  • Harley Davidson Sales & Service
  • Auto Detailers
  • Tire Sales & Installation
  • Trailer Dealers
  • Wholesaler Auto Dealers & Brokers
  • Valet Parking
  • Heavy Truck Dealers & Repair
  • Impound Yards
  • Public Livery Repair
  • Antique Auto Dealers, Repair & Restoration
  • Auto Alarm/Stereo Installation
  • Auto Maintenance & Repair
  • Boat Dealers
  • Boat Repair
  • Golf Cart Dealers & Repair
  • Mobile Auto Repair Service
  • Trailer Hitch Installation & Repair
  • Valet Parking
  • Wrecker Service – for hire including auto for wreckers

Coverages Offered:

  • Garage Liablity Limits up to 1 million
  • Uninsured and Underinsured Motorist Coverage up to 1 million
  • Garagekeepers Limit up to 1 million
  • Legal Liability, Direct Excess and Direct Primary Coverage options
  • Garagekeepers In-Tow Limit up to $50,000
  • Dealers Open Lot Coverage
  • Additional Insured’s and Waiver of Subrogation Endorsements available
  • Broadened Coverage
  • Drive Away Radius Extension – unlimited radius
  • Fire Legal Liability
  • Hired Auto Coverage
  • Medical Payments
  • Personal Injury
  • Dealers Errors & Omissions
  • Scheduled Auto
  • Package with Property & GL Exposures Available
  • Umbrella or Excess



  • Coverage under the Garage Program is available for the installation or repair of airbags.


  • A zero Liability deductible option is available.


  • Available for some classes.

Garage liability insurance and garage keepers insurance are usually paired to provide comprehensive protection to auto repair facilities, and dealer open lot insurance is the best way to protect vehicles at an auto dealership.


Youth Sports Organizations and Little League Teams Should Carry an Insurance Policy 4.25/5 (85.00%) 4 votes

As much fun as they are to watch, sports can be dangerous activities.  There is always the potential for bodily injury in nearly every sport.  Insurance is also needed for the facilities they use and even for fundraisers hosted by the youth sports team.

This all-in-one insurance for youth sports package product provides protection for a variety of sports.  Property and liability coverage is offered in this insurance for youth sports package with a wide range of limits, ensuring that a small incident does not force the youth sports group to disband.

This All-In-One Non Profit Package product provides Youth Sports Organizations, with participants 18 years of age and younger, the opportunity to purchase General Liability, Property, and Directors & Officers (D&O)/ Employment Practices Liability (EPL) coverage all on one policy!

Target Accounts – The highest quote and bind ratio

  • New and existing organizations
  • Sports include but are not limited to Soccer, Football, T-ball, Baseball, Softball, Basketball, Volleyball, Tennis, Golf
  • Organizations that require parents or legal guardians to sign waivers of liability/release forms for all activities
  • Organization that perform background checks on all employees and volunteers
  • Organizations that have Accident & Health coverage in-force
  • No more than 1 loss or claim in the past 3 years

Product Advantages:

  • Coverage is available for athletic participants
  • Abuse and Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate available
  • Assault and Battery sub-limit of $50,000 available at no additional charge
  • Hired and Non-Owned Auto Liability coverage available in most states
  • Fundraisers and certain special events included at no additional cost
  • Landlord listed as an Additional Insured for no additional charge
  • No liability deductible
  • Separate limits of liability for Directors & Officers (D&O) and Employment Practices Liability (EPL) claims
  • Lifetime Occurrence Reporting Provision for former Directors and Officers
  • Unlimited defense costs outside the limits for D&O and EPL coverage
  • Full Prior Acts Coverage for D&O and EPL coverage
  • Optional fiduciary liability for D&O coverage
  • Property available on Special Form and Replacement Cost
  • Inland Marine coverage available for sports equipment
  • Crime coverage available

Available Limits:

  • Liability limits up to $1,000,000 occurrence/$3,000,000 aggregate
  • Abuse & Molestation limits up to $1,000,000 occurrence/$1,000,000 aggregate
  • Assault & Battery sub-limit of $50,000 at no additional charge
  • Property values up to $500,000 for D&O and EPL (Note: EPL is an optional coverage, which can be purchased in addition to D&O, but not on a monoline basis and may not exceed the D&O Limit.)
  • $5,000,000 additional capacity available for Umbrella Coverage

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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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Christmas Tree Lots Need Insurance Too 4.00/5 (80.00%) 4 votes

Christmas tree lots are temporary businesses that can be a very lucrative venture.  When dealing with large trees, there is the potential for injuries to customers and employees.  In addition, since Christmas tree lots are temporary, they are not very secure.

Vendor insurance and concessionaires insurance offers protection from many of the hazards associated with owning and operating a Christmas tree farm.  Liability from property and bodily injury as well as property and employee coverage is all available with this vendor insurance and concessionaires insurance package.

As the holiday season approaches, Christmas tree lots will be popping up everywhere.  This Concessionaires and Vendors product is designed for your Christmas tree lot business with low minimum premiums ranging from $350 to $500.

General liability advantages:

  • Flat rates per lot or tent
  • Products/completed operations coverage provided
  • Additional insured coverage for landlords and permits related to the premises included at no additional charge
  • No liability deductible
  • Christmas Tree Liability – slip and fall, property and bodily injury coverage
  • Tree Coverage – Theft, Vandalism and Fire
  • Employee Coverage – Workers Compensation (This coverage is required by law in most states)

You can also make each risk a complete package by adding inland marine.  The inland marine provides coverage for tents, fences and stock, including the trees themselves, with theft coverage automatically included!

Don’t forget, our Concessionaires and Vendors product is the gift that keeps on giving.  We can also write seasonal mall kiosks for a low general liability minimum premium between $275 and $365.


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Seasonal Lot and Seasonal Business Insurance 5.00/5 (100.00%) 2 votes

Seasonal businesses come and go.  Many spring up shortly before a holiday guaranteed to generate big business and shut down right after.  There is no need for them to pay for an entire year of insurance for sometimes only a handful of days of work per year.

Seasonal lot insurance and seasonal business insurance are policies for special, short term businesses.  Some of the most prevalent are the many fireworks stands that pop up the week before New Year’s Day and Independence Day.  Seasonal lot insurance and seasonal business insurance have much of the same coverage and protections as other business insurance policies, however they have features that are designed to accommodate the pricing and coverage needs of these seasonal operations.

Seasonal lot owners are now facing strict requirements by local municipalities, property managers and landlords to show proof of liability insurance for their operations.  A number of general liability loss exposures result from seasonal lot operations that lot owners must be made aware of.   Boardwalk Insurance Group offers our agents the capability of getting a monoline general liability coverage quote quickly on our website at or over the phone. This is the perfect solution for seasonal lot owners who are looking for coverage to protect their businesses, while also satisfying requirements to show proof of liability insurance.


Our product offers several advantages that help make our quotes an easy sale. These advantages include:

•     Primary General Liability limits up to $2,000,000/$3,000,000

•     Blanket Additional Insured included automatically which means there is no charge to add an Additional insured when it is required by a written contract

•     A competitive package quote by providing property coverage in an Inland Marine from which includes theft for no additional premium

•     Competitive and easy to use pricing (flat charge per stand)

•     No liability deductible

•     Hired and non-owned auto liability coverage available

With insured’s facing frequent loss exposures from damage to and theft of their products, a package policy offering general liability and inland marine coverage provides the solution to the numerous insurance needs of a seasonal lot owner.

The need for liability insurance is imperative for any business, even seasonal ones.  That is what makes these seasonal lot insurance and seasonal business insurance policies very attractive to all parties relating to a seasonal business.

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Single or Multi Family Dwelling Insurance Coverage 3.75/5 (75.00%) 8 votes

A place to live is one of the largest and most important investments a family can make.  It is important to protect the investment, and one of the best ways is through insurance.

Single or multi family dwelling insurance coverage can protect your investment from damages and also cover other tenants on the property.  The appeal of single or multi family dwelling insurance coverage is the flexibility that comes with the insurance policy, including the ability to classify the property as both owner occupied and as a rental property.


  • Coverage available as
  1. Monoline Liability
  2. Monoline Property
  3. Package


  • Credit provided for owner occupied 2-4 family locations
  • Ability to consider locations rented on a seasonal or timeshare basis
  • Ability to consider mobile homes as dwellings
  • Up to $25,000 medical expense limit available
  • Risks with boat docks or slips can be considered
  • No Liability Deductible

Limits Available (up to)

  • $1,000,000 Per Occurrence/$2,000,000 aggregate
  • Commercial Umbrella available up to $5,000,000
  • Hired and non owned auto available in most states


  • Both Special and Basic Form available
  • Replacement Cost Coverage available
  • Business Income/Rental Value
  • Owner’s Contents Coverage
  • Equipment Breakdown Coverage
  • Available in Protection Class 1-8
  • Ability to consider locations in hail and tornado prone areas (special deductible may apply)
  • Coverage can be provided for a property that is under renovation

Limits Available (up to)

  • $1,000,000 for Commercial Lines
  • Coastal Areas
  • Limits of up to $500,000 per location
  • Wind and hail excluded


  • General Liability that expands the definition of Bodily Injury to include mental anguish or emotional distress with no deductible
  • Personal Injury coverage
  • Special Cause of Loss available
  • Loss of Income coverage
  • Functional Building cost available
  • No Classification Limitation Endorsement
  • Special (DP-3) and Basic Form (DP-1) are available
  • Available for 2-4 family owner occupied dwellings
  • Available for 1-4 family tenant occupied dwellings
  • No mandatory roof exclusion
  • Actual Cash Value Roof Endorsement available
  • Comprehensive Personal Liability Coverage is optional
  • Name Insured can be a Trust, Estate, Limited Partnership or Family Partnership
  • Modified Functional Replacement Cost available

Dwellings in coastal areas are eligible


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