CDS Insurance Services is a highly respected, regional insurance brokerage firm with offices in the foothills of the San Gabriel Valley and in the Inland Empire. Incepted in 1996, CDS Insurance Services features a very effective team of experienced professionals who provide not only an exceptionally high degree of expertise, but the personalized attention deserved by each client.
The cornerstone of the CDS philosophy incorporates a four step program known as “IPPI”. This vital program consists of four major components: namely, Identifying your exposure, Packaging your risk in the most attractive manner for the insurance underwriters, Presenting all available options to our client, and lastly Implementing the most innovative package available in the insurance marketplace.
Identify Exposures
A member of the CDS Insurance Team will meet with you and your staff to conduct a thorough survey of your firm's potential exposures. This survey will include a review of your operations, current insurance policies, open and closed claims, safety and loss control programs and contractual documents (as they relate to insurance).
Package
The package process involves the gathering of the insurance data for formal submission to the insurance marketplace. The CDS Insurance Team takes great pride in putting forth the highest quality submission for every one of our clients. It is essential that a complete and professional application, including all pertinent attachments, be submitted to the marketplace; we get one opportunity to present your company to the insurance marketplace. Failure to properly present your risk exposure at this stage of the insurance process may be devastating to you and could potentially cost your company thousands of dollars.
Presentation
The CDS Insurance Team literally has access to hundreds of admitted and non-admitted insurers throughout the United States. Possessing the ability to act quickly and knowing which insurers are best suited for your company, are the two strongest attributes of the CDS Insurance Team. Although many of our peers boast similar market access, the actual relationship between the insurance broker and the insurance company is paramount. CDS Insurance Services has spent decades developing, bonding and nurturing these long standing relationships with our insurers, which translates into much more comprehensive and competitive insurance products for our clientele.
Implementation
Prior to the purchase of any insurance policy, a prudent risk manager must make the difficult decision as to how much risk his or her firm is willing to take on. The three options of risk avoidance, risk transfer, and insuring the risk are all viable courses of action for the independent business owner. Our CDS Team is comfortable exploring all risk management options, before crafting an insurance program tailored to your company's particular needs. When the insurance option is chosen, CDS Insurance reviews all of the insurance carriers' terms, conditions, rates, policy forms, etc. and creates a concise summary or proposal. This valuable document includes an extensive insurance market survey, a detailed break-down of the finalists' insurance proposals by line of coverage, safety and loss control analysis and recommendations, contract language analysis addressing any insurance requirements, and our CDS Insurance Commitment to Unmatched Service.