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TAG | commercial general liability insurance

Commercial General Liability Insurance for Oil and Gas Service Businesses 4.50/5 (90.00%) 2 votes

The commercial oil and gas industry can come with high risk but has extremely high rewards.  Businesses involved in the oil and gas industries need protection for their employees, including commercial general liability insurance.

Commercial general liability insurance provides an invaluable level of protection for businesses involved in the oil and gas industries.  This commercial general liability insurance covers a variety of businesses related to the oil and gas industries, including lease operators, perforation services, and equipment on site.

Coverages offered

General liability

  • Oil and gas businesses to which this applies
    • Oil and gas leas operators and non-operators
    • Perforation services
    • Leasing or renting of down hole tools or lease site equipment
    • All oil and gas related contractors, both over the hole and not over the hole

Excess Liability

  • Limits available up to $5,000,000

Hired and non-owned auto

Coverage Highlights

  • Sudden and accidental; time element pollution (30/90), including voluntary 1st party cleanup costs
  • Underground resources and equipment
  • Blanket waiver of subrogation
  • Blanket additional insured/primary and non-contributory
  • Ability to write new ventures

States Approved:

  • AK, AL, AR, CO, IL, ID, KS, KY, LA, MI, MO, MS, ND, OH, OK, TX, UT, WV, WY, (CA and NM coming soon)

Minimum Premiums

  • $2,000 – contractors – NOT over the hole (excluding pollution, underground resources, blowout, cratering and explosion, and underground equipment)
  • $2,500 – Contractors – NOT over the hole (broad form)
  • $3,500 – Lease operators/non-operators (broad form)
  • $5,000 – Contractors – over the hole (broad form)

Submission Requirements

  • Appropriate ACORD applications
  • 3 years currently valued loss runs, for each line submitted
  • Appropriate supplemental applications (operator, contractor, pipeline)
  • Well schedule (operators/non-operators)
  • Expiring and target premiums
  • Need-by Date

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Pet or Animal Related Business Insurance Coverage 4.00/5 (80.00%) 1 vote

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.



Commercial General Liability Insurance for All Types of Contractors 4.50/5 (90.00%) 2 votes

Whether you are a general contractor, a sub contractor or something in between, you need to maintain a proper commercial insurance policy at all times.  The cost of your insurance coverage is dependent on several factors, but most importantly, your projected annual gross receipts.  In terms of insurance, this makes sense because the more money your business makes, the higher the chances of a loss.

At Boardwalk Insurance Group, we offer commercial general liability insurance for all types of contractors.  We also have specialty programs for contractors who are in the following types of businesses:

•    General Contractors
•    Plumbing
•    Roofing
•    Air Conditioning / Heating
•    Artisan Contractors
•    Carpentry
•    Electrical Wiring
•    Masonry
•    Door Installation
•    Painting / Paperhanging
•    Concrete / Cement Driveways & Curbs
•    Parking Lot Striping
•    Carpet / Tile / Marble Installation
•    Debris Removal
•    Drywall
•    Excavation
•    Grading of Land
•    Insulation Work
•    Plastering & Stucco
•    Siding Installation
•    Street Paving
•    Telephone Line Construction

Specialty programs designed for specific types of contractors allow you to save money while providing you with better coverages and more bells and whistles included within your policy.

When you work with a commercial insurance broker like Boardwalk Insurance Group, you can count on getting the best deal for all your insurance needs because we work with a network of insurance companies.  This allows us to shop on your behalf and provide you with several options, not just one “take it or leave it” quote.

Employment Practices Liability Insurance (EPLI) Quotes Available For Healthcare Businesses 5.00/5 (100.00%) 2 votes

Boardwalk Insurance Group is proud to offer EPLI (employment practices liability insurance) for the following types of healthcare businesses:

•    Doctor and dentist offices
•    Nursing homes
•    Specialty outpatient facilities
•    Medical and dental labs
•    Health and allied services

Our EPLI products offer you more coverage along with reduced rates as compared to what you have now.  We are able to quote you with a stand alone EPLI policy or with a package including other coverages you need, such as commercial general liability insurance, contents coverage, etc.

Our EPLI features include:
•    Insurance companies rated “A” or higher by A.M. Best
•    No minimum premiums
•    Limits up to $2,000,000 and retention amounts (deductible) as low as $2,500
•    Full prior acts coverage
•    Third-party coverage available for most classes
•    Defense outside the limit available
•    Coverage available for many hard to place business types

Our quoting process is very easy and we are able to provide quotes using our online rating engine.  In just minutes, we can provide you a quote for EPLI coverage.

Other than basic contact information, all we need to know is:

•    What type of business you’re in
•    Years in business
•    Number of employees you have
•    Layoff activity (if any in the past)
•    Any prior claims activity



Business Owners Insurance aka BOP Policies 3.50/5 (70.00%) 2 votes

If you are the owner of a small business, you more than likely need to carry some form of insurance.  Your landlord will want you to carry commercial general liability coverage to protect their investment and you will want to cover your business assets and contents in case of fire or theft.  Insurance for small business owners can be affordable if placed with the right insurance company.

Boardwalk Insurance Group has a variety of insurance plans designed for small business owners.  We have specialty programs for the following types of businesses:

•    Ice cream stores and shops
•    Dry cleaners
•    Mailbox and postal shops
•    Restaurants, cafes, coffee shops and food delivery businesses
•    Convenience stores
•    Shoe stores
•    Clothing stores
•    Electronics shops
•    Appliance sales and repair
•    Mechanics, auto detailers, auto dealers, and car service shops
•    Gas stations
•    Barber shops, nail salons, waxing boutiques
•    Flower shops
•    Pharmacy
•    Limo drivers and companies
•    Delivery companies and couriers
•    Shuttle services
•    And many more

Typical Product Features:
•    Business owners Form (If eligible)
•    Package
•    Monoline Liability
•    Monoline Property

Broad Eligibility Requirements
•    Over 75 Classes selected for preferred treatment
•    Up to $3,000,000 in annual sales
•    New ventures eligible
•    Low Minimum Premiums

Liability Features:
•    Limits available up to $1,000,000 occurrence/$2,000,000 aggregate
•    Expanded definition of Bodily Injury to include Sickness or Disease caused by Mental Anguish or Emotional Distress
•    No Liability Deductible
•    Pollution Exclusion has Hostile Fire Exception
•    Hired and Non-Owned Auto Liability Coverage available
•    Commercial Excess General Liability, Umbrella available up to $5,000,000

Property Features:
•    Broad Property Coverage using ISO’s April ’02 coverage form
•    Equipment Breakdown – Includes free boiler inspection if required in your jurisdiction
•    Value Plus Endorsement available providing 15 coverage extensions and enhancements
•    Special Cause of Loss and Replacement Cost available
•    Up to $3,000,000 in Property limits, $500,000 in all Coastal Areas

Hotel or Motel Insurance Quotes Through Some of the Best and Cheapest Insurance Companies 5.00/5 (100.00%) 2 votes

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

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Special Insurance Program for Pawn Shops and Pawn Brokers 4.67/5 (93.33%) 3 votes

Boardwalk Insurance Group is proud to announce a special package program designed specifically to meet  the needs of  pawnbrokers or pawn shop owners through one of our brokers.

Available Coverage’s

•    Special Form – Building Personal Property & Business Income
•    Pawned & Owned Jewelry & Guns
•    Pawned & Owned Other Stock
•    Block Form including Firearms, Jewelry, Precious Stones, Watches, Gold, Silver and Other Metals
•    Memo
•    Shipments
•    Property in Transit and Registered Mail
•    Electronic Data/Computer Equipment
•    Property Extension Endorsement Includes
1.    Employee Dishonesty
2.    Money & Securities
3.    Accounts Receivable
4.    Outdoor Property – Fence, Antennas, Sign, Trees, Shrubs or Plants
5.    Spoilage
6.    Property Off Premises
7.    Valuables
8.    Papers & Records
9.    General Liability Including Products Liability for Guns

Limits Available

•    Property – up to $2,000,000 per location
•    Liability – up to $1,000,000 each occurrence/$2,000,000 Aggregate (primary)
•    Excess Liability – up to $10,000,000
•    Fire Damage Legal – $100,000 as required (higher limits available)
•    Block – no sub-limit on jewelry/firearms

Special Coverage’s Available:
•    Forms can be written on Commercial General Liability and Commercial Property or Business (owners forms specifically designed for pawnshops)
•    Replacement cost on buildings (depending on age & updates)
•    2 or 3 times pawn value or actual cost of the loan plus legally accrued interest
•    Theft Limitation Endorsement offered with available credits on pawned jewelry

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Commercial General Liability Insurance 4.50/5 (90.00%) 2 votes

Commercial General Liability insurance, commonly referred to as CGL or GL, covers commercial insureds (business owners) from losses sustained by third parties.  Based on the type of business you are in, your coverage can cover you for everything from a slip and fall claim to a negligence claim.  It’s important, especially in this day and age, for all businesses to carry some sort of liability insurance coverage.  It’s probably a requirement for most businesses anyways, either by your lien holder, city, state, county or bank.

The premium for CGL is calculated on a few different factors, but primarily based on the type of business you are in, your expected annual revenues for the upcoming 12 months and sometimes, the amount of your annual payroll.

The most commonly purchased coverage is “$1 million/$2 million.”  This means that you have coverage for up to $1M on any one claim and you have an aggregate coverage of $2M for all claims in any one policy period, usually 1 year.  So you can have 2 $1M claims, 4 $500k claims, etc. and still be covered under the policy.

Insurance companies offer much lower coverages, such as $100,000, $300,000, $500,000, etc., but it’s usually not worth it to purchase them.  For only a few bucks more per year, you can have a $1,000,000 policy.  Of course, coverage can also go much higher than this as well.

If you are in search of a commercial general liability insurance policy, your best bet is to work with an independent insurance agency.  Independent insurance agents represent several different companies and can shop your coverage request internally to get you the best deal.  No matter how simple or complicated your business is, independent agents are more flexible and can find coverage for all.

Boardwalk Insurance Group is an independent agency licensed to work with clients (individuals and businesses) in 26 states.  In terms of commercial general liability insurance, they service the following areas:

  • Air Conditioning Installation, Service & Repair
  • Appliance & Accessories Installation – Commercial & Household
  • Asphalt Works
  • Carpentry – Interior work
  • Carpentry – Construction of Residential Property
  • Carpet or Upholstery Cleaning
  • Chimney Cleaning
  • Concrete Construction
  • Conduit Construction for Cables/Wires
  • Debris Removal
  • Driveway, Parking Area, or Sidewalk Paving or Repaving
  • Drywall or Wallboard Installation
  • Electrical Work – Within Buildings
  • Fence Erection Contractors
  • Floor Covering Installation
  • Furniture/Fixtures Installation
  • Glass Dealers and Glaziers (NO window installation)
  • Heating or Combined HVAC Systems or Equip – Install, Service
  • Insulation Work – Plastic or Mechanical Work
  • Interior Decorators
  • Landscape Gardening
  • Masonry Contractors
  • Metal Erection – Decorative/Artistic, and Nonstructural
  • Painting – Interior & Exterior
  • Plastering or Stucco Work
  • Plumbing – Commercial, Industrial, and Residential
  • Septic Work
  • Sheet Metal Work
  • Siding Installation
  • Sign Erection, Installation, or Repair
  • Solar Energy Contractors
  • Swimming Pool Servicing, Installation, or Repair
  • Television or Radio Receiving Set Installation or Repair
  • Tile/Stone Work – Interior Construction
  • Upholstering – Shop Only
  • Window Cleaning
  • Various Commercial and Residential Contractors
  • And much, much more.

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Professional Liability Insurance for Various Professionals 3.67/5 (73.33%) 3 votes

Boardwalk Insurance Group offers professional liability insurance for the following types of professionals:

Real Estate – Agents, Brokers, Mortgage Brokers, Title Agents, Escrow Agents, Closing Agents, Property Managers
Insurance - Agents E&O, MGA’s, MGUs, Insurance Companies, Aggregators, Associations, Adjusters,Appraisers
Legal - Law Firms, Paralegals, Legal Aid, Expert Witnesses, Trial Preparation
Inspectors - Home Inspectors, Property Inspectors, Loss Control, Safety Consulting
Architects & Engineers –  Architects, Designers, Land Surveyors, Mechanical, Landscape, HVAC
Financial - Distressed Banks / Financial Institutions, Tax Preparers. Bookkeepers
Agencies - Repossesors, Collections,Employment, Executive Recruiters, Temporary Staffing
Allied Health – Nurses, Aides, Mental Health, Therapists, Social Workers, Dietitians, Sleep Centers, Physical Therapists
Technology - Computer Consultants, Data Prep, Information Retrieval, Programming, Govt Defense
Religious - Pastoral, Clergy, Synagogues, Mosques
Consultants - Managerial, Safety, Marketing
If you are a professional in any of the categories listed above, contact us today to get your free quote.  The process requires you to complete a simple application and we can provide you with custom quotes in less than 24 hours in most cases.

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Commercial Insurance For Apartment Complex Owners and Apartment Complexes 4.33/5 (86.67%) 3 votes

Do you own, operate or manage an apartment complex located in Arkansas, California, Florida, Georgia, Illinois, Kansas, Louisiana, Minnesota, Missouri, New Jersey, Oklahoma, Texas or Wisconsin?  Have you noticed steady increases in your commercial insurance coverage over the years?  Do you need more coverages and lower deductibles?

If your answers is “Yes” to any of these questions, then you need to read on.  The insurance industry has seen enormous losses over the last few years thanks to natural disasters.  Many insurance companies who wrote commercial policies for apartment complexes have either pulled out of the market or have raised their rates to recoup some of their claims expenses.  This is understandable, but when will it stop?  For some apartment complex owners, the rates are so high that they run into losses.  And if your property is located in a coastal county, it’s nearly impossible to get proper coverage at a reasonable rate.

What’s the solution?  It’s time for you to shop around.  Boardwalk Insurance Group, for example, specializes in coverage for apartment complexes and apartment complex owners.  We specialize in providing insurance for apartment complexes, especially smaller property owners who cannot get the discounts available to entities with thousands of units or hundreds of millions in property values.

We know the apartment complex market and we understand your needs.  We also deal with “A” rated carriers who provide you with the bells and whistles you need in your policy to give you true peace of mind.

Coverage Highlights:

  • Building/personal property on replacement cost with no coinsurance
  • Loss of rents calculated on actual loss sustained
  • 180 days of extended period of indemnity for loss of rents
  • $2,500,000 demolition and increased cost of construction limit
  • $1,000,000 General Liability limit with $2,000,000 Aggregate limit
  • $1,000,000 Hired and Non-Owned Auto Liability
  • $5,000,000, $10,000,000 & $15,000,000 Excess Liability/Umbrella options
  • Boiler & Machinery coverage included
  • Coverage for fences, carports, signs, storage units and pools included
  • As low as a $10,000 deductible per occurrence
  • No deductible ($0) on General Liability claims
  • Great rates commercial property coverage, commercial general liability coverage and umbrella coverage for apartment complexes
  • And much more

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