EA BONIAKOWSKI INSURANCE SERVICES E.A. Boniakowski has been identifying and meeting the insurance needs of home and business owners throughout NJ since 1950. The agency serves a broad client base, ranging from start-up business to large corporations as well as personal home and auto.
929 N. Washington Ave Green Brook, NJ 08812, USA
EAB Phone: (732) 968-0940

Your Best Resource for Specialty Insurance Coverages

Individual Specialty Coverages: To help you learn about specialty insurance coverages

Categories: Specialty Insurance coverages by category

Insurance Insights: Helping you to better utilize specialty insurance

Insurance Marketplace: Explanation and links to over 700 specialty insurance coverages

Specialty Insurance

We offer more than 700 insurance products over and above the “regular” coverages sold by most independent agencies.

New coverages are added to our website at an average of more than one each week.

Each of the short presentations is designed to cover the highlights of that coverage. They are created to emphasize answers to the questions asked most often about that particular coverage over the years.

Each presenter is an expert in his/her particular specialty. They do not sell the coverages directly, but work with agencies such as ours to make them available. These presentations are for educational purposes only.

After you've viewed the information about the coverage, please feel free to contact us for further information. Click on Contact Us below the video explanation. This allows you to send a pre-addressed email right back to our office. We will quickly give you an answer. If you'd rather give us a phone call, please do. Then explain to the receptionist why you are calling, and he or she will make sure you are connected to the right person for your specific needs.

Categories

Often, Specialty Insurance coverages are used in a variety of different businesses, not simply as “stand-alone” coverages, but as essential elements of addressing frequent or significant risks.

In this section, you will find a number of Categories of grouped, similar types of businesses. Listed in each Category introduction are the coverages that are used to provide complete protection for that business category. The Category Overview videos are provided by specialists in their field.

You can also find these coverages in the alphabetical list to help you more quickly be able to find a specific coverage.

Events, both small and large, can take many unexpected turns. Risk exposure for clients include interruptions, problematic weather, and liability. This Category of specialty insurance coverage includes four important policies: Special Event Liability, Event Cancellation, Weather Insurance, and Prize Indemnity. Whether you're planning a wedding, a hole-in-one grand prize at a tournament, or a music festival for thousands, this is coverage you'll want to understand. Click here to learn more.

Special Event Liability coverage provides peace of mind for sponsors or hosts of any events attended by guests or paying customers. A church's holiday bazaar, a rock concert, a festival...LEARN MORE>

Be protected in case of sudden cancellation of your event due to unforeseen circumstances. Click here to learn more.

Prize indemnity insurance is indemnification insurance for a promotion in which the promoter pays a premium to an insurance company, which then reimburses the insured should a prize be given away. Click here to learn more.

Event weather insurance protects against revenue losses from adverse weather conditions that reduce attendance and the sale of concessions, food and parking. Click here to learn more.

Flood Insurance

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...

Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program.

Philadelphia Insurance Companies (PHLY) understands that protecting your business assets from a flood is very important. Click here to learn more.

Philadelphia Insurance Companies (PHLY) is an authorized federal flood insurance writer, with flood programs available in all 50 states. Click here to learn more.

Our Commercial Excess Flood Program provides coverage excess of an NFIP policy limit. Click here to learn more.

Sports and Recreation Insurance

Sports and recreation activities, including athletic events, athletes themselves and sports organizers all face unique exposures and risks. Sadler Sports and Recreation Company, a well-known provider and trusted resource in the sports and recreation insurance market, shares helpful information that can make a difference to those involved with sports and recreation programs, personnel and facilities. See Category Introduction Video.

  • Instant online quote/pay/print for sports teams/leagues, camps/clinics, health clubs, studios (martial arts, gym, dance) and 24-48 hour turnaround on sports facilities. Offering Accident, General Liability, D&O, Crime, and Equipment.

Additional Specialty Categories

In the months ahead, over 100 additional specialty insurance categories will be added to the category shown above. As a USA Insurance Network agency, we have access to Specialty Markets Providers which offer these categories. To view the additional categories that will be added to our visual presentations above, click here. For more information about any of them, click on “Contact Us”.

Individual Specialty Coverage

Click on any of these alphabetized Specialties or Programs to find a short presentation that highlights details of that coverage. The presentations are built to emphasize answers to the most frequently asked questions about that particular coverage through the years.

Each presenter is an expert in his/her particular specialty. They do not sell the coverages directly, but work with agencies such as ours to make them available. These presentations are for educational purposes only.

Feel free to contact us for further information by clicking on “Contact Us” below the video explanation. This allows you to send a pre-addressed email directly to our office. If you’d rather give us a phone call, please do. Then explain to the receptionist why you are calling, and he or she will make sure you are connected to the right person for your needs.

This coverage insures the legal liability of an accountant or accounting firm for injury or damage that results from professional services it rendered or did not render, caused or allegedly caused by neglect, error, omission, dishonesty, misrepresentation, fraud, libel, slander, or defamation of character. Certified public accountants and accounting and bookkeeping firms that employ accountants are eligible. Click here to learn more.

Aviation insurance is usually written by carrier pools or individual companies that specialize in this business. Most coverage is written for general aviation, a diverse industry that includes all forms of flying except commercial airlines and military operations. The four major classes of aircraft owners/operators are industrial aid, business and pleasure, flying clubs, and fixed base operators. Aircraft hull and liability coverage is similar to the coverage an automobile policy provides because it includes physical damage, liability, and medical payments coverages. Under hull insurance, the two types of coverage available are physical damage coverage when the aircraft is not in flight and physical damage coverage when it is. Liability coverage is similar to automobile liability, except that it is divided into two separate insuring agreements, one for bodily injury excluding passenger liability, and the other for passenger bodily injury liability. Medical payments coverage may be added if passenger liability coverage is provided. Click here to learn more.

Restoring, caring for, and maintaining older automobiles is a popular pastime of Americans of all ages. Gatherings, parades, and tours for antique autos sponsored by antique automobile clubs take place throughout the year. These vehicles may be extremely valuable, depending on the model, age, and availability. In many cases, the expenses the owner incurs to restore the vehicle equal to or exceed its actual value. An antique automobile is usually defined as a private passenger-type motor vehicle 45 or more years of age. A classic car must be more than 20-years-old and also be a distinctive type of car. Antique and classic automobiles must be maintained for use in exhibitions, club activities, parades, and other functions of public interest and used only occasionally for other purposes. The vehicle cannot be used primarily to transport passengers or goods. Liability rates are usually much lower than manual automobile liability rates. Physical damage coverage is written on a stated amount basis. The coverages usually provided include liability, comprehensive, and collision. Click here to learn more. 

Apartment complexes provide housing to individuals that pay rent to their owners. Amenities vary and can include community centers, golf courses, exercise facilities and more. The types of structures vary, ranging from multi-unit single story frame dwellings to high-rise, sprinklered, fire resistive buildings. Click here to learn more.

A condominium association is a legal entity made up of individual unit-owners who own their individual living spaces but who jointly share ownership and responsibility for maintenance and upkeep of common areas. Condominiums can present unusual and sometimes complex insurance problems with respect to property, liability, crime, and workers compensation coverages for the condominium buildings and operations. Click here to learn more.

The most rapidly changing liability area today is cyberspace liability. The growth in the number of persons using the Internet regularly has led to businesses promoting and marketing their products and services online. Most companies have home pages and many communicate with others via e-mail, chat lines and bulletin boards. Liability coverages and exclusions applying to advertising injury, libel, slander, infringement of copyright and trademark are being revised to reflect the changing conditions of online communication. A few insurers offer a package of coverages designed to protect businesses that provide online services to their customers and subscribers. Click here to learn more. 

This coverage protects directors and officers of a corporation against claims that allege injury caused by their negligent acts, errors, or omissions while acting in their corporate capacities. It also indemnifies corporations for expenses they incur to defend such lawsuits. The market for this coverage is expanding and addresses all sizes of corporations. Some companies cover discrimination, wrongful termination, and sexual harassment. Click here to learn more.

Employers have experienced a 400% increase in lawsuits over employee practices in the last 2 decades. They are now more likely to be sued by an employee than to experience a fire in their business facility. Yet 7 out of 10 business owners do not have this specialty coverage. Robert Sargent explains key points all business owners should know if they have one employee or more. Click here to learn more. 

This Product Knowledge Video provides key information about Errors and Omissions insurance, including what E&O is, what the coverage is designed to protect, and who needs it. Key points include that coverage is typically designed for a specific class, Some of those classes are explained, as well as some that are harder-to-place. Examples of coverages outline what is included, and excluded. Click here to learn more.

This coverage insures the legal liability of a business entity for damage that results from fire sprinkler systems that do not function fully or properly. Fire sprinkler contractors are eligible. Click here to learn more.

Flooding is defined by the National Flood Insurance Program as a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or two or more properties (at least one of which is your property) from: Overflow of inland waters, unusual and rapid accumulation or runoff...

Flood insurance policies cover physical damage to your property and possessions from floods or flood-related losses due to rising water in high-risk areas. The federal government runs the National Flood Insurance Program (NFIP), which can issue flood insurance policies. Even if you have, renters, condo, landlord, mobile home or business insurance, you may need to purchase a separate flood insurance policy to have protection from flood damage. Most homeowners insurance policies do not cover damage caused by flooding. This is important to check when getting flood insurance quotes. If your community participates in the National Flood Insurance Program (NFIP), you can buy flood insurance coverage through agents enrolled in the NFIP-Direct program. Click here to learn more.

Ron Hayes, Chairman of Pacific Marine & Energy Resources, Inc., explains key concepts about the oldest kind of insurance, Marine Insurance. Going back as early as the 14th century, Marine Insurance covers a surprising number of situations. Watch this informative Product Knowledge Video and discover why people in non-coastal states are just as likely to need Marine Insurance as those who live near the nation's shores. Click here to learn more.

Outdoors businesses provide an enjoyable array of sporting and recreational pursuits including hunting, archery and fishing clubs to resort lodges, shooting ranges, outfitters and guides. Having the right insurance that protects your guests, property, equipment, commercial vehicles, loss of income and more is vital to your long-term success. With a trusted carrier who understands this space, you can focus on the growth of your business and know you have an experienced ally if and when a claim should arise. Your insurance agent will deliver timely insights to help you tailor your outdoors coverage to your unique needs. Click here to learn more.

This coverage protects a real estate agency against claims for damages for financial loss due to alleged negligence by the agency in the conduct of negotiations and business performance for others. Like all forms of errors and omissions insurance, a proposal form must be completed and submitted for a rate quote and policy issuance. The premium charge is based on amount of insurance, the deductible, the number of partners and other associates, and the gross income from handling real estate business. Click here to learn more.

Roofing contractors deal in a variety of situations that are unique to their trade. An insurance carrier that understands the changing dynamics and geographic nature of this business— and is set up to support both loss prevention and claims response—is integral to your success. Whether established or relatively new, working on new or existing structures, focused on residential or commercial buildings, as an independent contractor or for a general contractor; your insurance coverage should be tailored appropriately to your roofing business requirements and support your growth goals. Your insurance agent can provide you with insights and options to best suit your needs and help you manage your costs and exposures. Click here to learn more.

Special Event Liability coverage provides peace of mind for sponsors or hosts of any events attended by guests or paying customers. A church's holiday bazaar, a rock concert, a festival, and a wedding all have something in common--the potential for unexpected incidents that result in risk to the sponsoring organization or persons. Are there weddings in your community? Fairs, or festivals? Concerts? If so, you'll want to know more. Click here to learn more.

There are specific risks involved with investing in or owning real estate. The right coverage will help minimize both workload and costs associated with managing a portfolio of real estate. See why this matters in this informative video.

Sports and recreation activities, including athletic events, athletes themselves and sports organizers all face unique exposures and risks. John Sadler, the owner of Sadler Sports and Recreation Company, a well-known figure in the sports and recreation insurance market, shares helpful information that can make a difference to those involved in these activities. Click here to learn more.

Complex issues surround organizations that produce, sell, or utilize advanced technology. Bob Sargent identifies the key concerns for insurance agents. For clients who use or sell technologically advanced products or services, agents need to understand the basic components that constitute adequate coverage. Click here to learn more.

Real estate and property transaction professionals include Escrow Agents, Title Agents, Abstractors, and more. Minor errors or omissions can result in legal action or claims that are very impactful to these professionals. Insurance coverage for errors and omissions is not just important--it is oftentimes essential. Learn more in this short video recording that explains some of the primary points of concern for title and escrow professionals. Presenters: John Torvi, President, Landy Insurance, and George Nordhaus, founder and Chair, Monday Morning Markets.

700+ ADDITIONAL SPECIALTY COVERAGES CAN BE ACCESSED BELOW

Rough Notes Solutions is a digital delivery system that insurance professionals use anytime, anywhere. Educational and risk survey content resources are available as part of membership. Specialty Coverage Definitions are copyrighted by The Rough Notes Company.

To access an alphabetical listing of over 700 additional insurance coverages, each with a short explanation of the coverage, click the button below.

Insurance Insights

Insurance Insights features valuable information about industry basics, industry developments, and deep background information. Drawn from a group of national experts, these presentations give great overviews of insurance industry information that used to be “insider-only” information. Great for informing consumers, insurance industry personnel, staff, and producers alike, Insurance Insights help bring viewers up to the minute on key issues that affect all the users of the insurance system.

Independent Insurance Agencies offer a unique value proposition to insurance clients. Read more here.

Hiring the best candidate for any open position is incredibly important to a business's success. Listen as Don Phin gives surprisingly low-tech tips for making the best hire possible. Presenter: Don Phin, Esq., HRSherpas, Inc. Click here to learn more.

There is a Watson in our future! What changes will insurance professionals face as a result of Artificial Intelligence and cloud computing? Bruce Cochrane explains what's coming, and here's a hint: more change in the next five years than we've seen in the last twenty years. Presenters: George Nordhaus and Bruce Cochrance. Click here to learn more.

This video recording introduces general concepts to help you and your loved ones to prepare for a disaster or emergency. Risk consultant Mike Manes covers some important points you'll want to consider. Click here to learn more.

Enterprise Risk Management means planning, organizing, leading, and controlling the activities of an organization to minimize the effects of risk to capital and earnings. Donna Galer, author of Enterprise Risk Management—Straight to the Point covers the key points of ERM, explains what insurance industry professionals need to know about this strategy. Click here to learn more.

Whether you are selling, dealing with co-workers, or even talking to family, there is a big difference between talking to someone and actually CONNECTING with them. Watching this Insurance Insights Video will help you learn how to connect with people meaningfully. Presenters: George Nordhaus, founder, Monday Morning Markets Brent Kelly, owner, BizzGrizz Training. Click here to learn more.

The IIHS, a nonprofit organization founded in 1959, tests, conducts research, certifies safety ratings, and recommends policy, affecting agencies and the policies the policies they write every day. Presenters: George Nordhaus, Chair and Founder of Monday Morning Markets, with Russ Rader of the IIHS. Click here to learn more.

Learn what reports are required by OSHA from your clients in their business operations. Presenter: Dustin Boss, founder and creator of OSHAlogs.com

Click here to learn more.

Knowing which OSHA requirements affect your commercial clients can help you stay attuned to their needs. This video breaks that information down in simple terms. Presenter: Dustin Boss, President of www.oshalogs.com

Click here to learn more.

The use of 'Big Data' means the insurance world can create predictive analytics models. Massive databases, inexpensive computer power and advances in data acquisition and aggregation from multiple sources is going to make a huge difference in deciding insurance rates and coverages... and in many others ways we do business. Presenters: George Nordhaus, Monday Morning Markets and Frank Pennachio, Oceanus Partners. Click here to learn more.

Loss includes many more factors than you may think. Presenters: George Nordhaus and Rob Eckern. Click here to learn more.

Partners

Specialty insurance coverages and programs are offered by the independent agencies that market/sell those insurance products. Provided by general agencies, managing general agencies, wholesalers, program managers, etc., these coverages come from companies known as “Specialty Market Providers” or “Business Sponsors.” These SMP’s offer several coverages above and beyond what is featured through the USA Insurance Network agencies. Look below at the lists of those of some of the other coverages or programs each of our partners offers, then click on their websites.

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