Coverages



MyWave
CDS is a recognized leader

Coverage Solutions

There are significant risks associated with doing business in today's environment. In a perfect world, every business entity would assume legal responsibility for their own goods, products and services, thus eliminating the need for any insurance.

However, in today's highly litigious society, insurance policies have become essential in protecting the financial security of business assets and business owners’ personal wealth. Navigating through the specific needs of your business requires a broker who understands not only the types of coverages available, but also the practical applicability to your unique business or trade.

CDS offers a multitude of coverages ranging from personal insurance policies to risk solutions for complex business operations. The following coverage options apply to most companies. Although there are several in this list, there might be additional coverages more specific to your project or well suited to your situation. Please call a member of the CDS Insurance Team for more information.

Workers Comp

  • Statuatory Limits
  • Coverage available in all 50 States

Liability

  • Comprehensive General Liability
  • Products/Completed Operations
  • Completed Operations
  • Owners & Contractors Protective Liability
  • Employment Practices Liability Insurance (EPLI)
  • Errors and Omissions/Professional Liability

Umbrella/Excess

  • Limits available from $1 million to $100 million

Property

  • Property Coverage
  • Course of Construction
  • Equipment Floater
  • Installation Floater
  • Electronic Data Processing Floater
  • Difference In Conditions
  • Boiler and Machinery

Employee Benefits

  • Medical
  • Dental
  • Life
  • 401K
  • AFLAC
  • Long Term Care
  • Long Term Disability

Surety Bonds

  • Contract Bond
    • Bid
    • Performance
    • Payment and Supply
    • Site Improvement
    • Subdivision
  • Commercial Bonds
    • Contractors License
    • Auto Dealer and D.M.V.
    • Mortgage Broker
    • Sales Tax
  • Court Bonds
    • Appeal
    • Probate, Executor, and Fiduciary
    • Custodian and Guardianship
    • Release of Lien
  • Fidelity Bonds
    • Employee Dishonesty
    • Pension/Trust (ERISA)
    • Apartment House manager
    • H.U.D.
    • Title Company

Industry Specific

In addition to specializing in the building industry, CDS also provides special programs for many other industries.