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

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 of each to your unique business or trade.

CDS offers a multitude of coverage options ranging from personal insurance policies to risk solutions for complex business operations. The following coverage options apply to most companies. This is only a partial list. There might be additional coverages that would be more applicable to your project or situation. Please call a member of the CDS Insurance team for more information.

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Workers’ Comp
  • Statutory Limits
  • Coverage available in all 50 States
Auto
  • Uninsured motorist
  • Collision
  • Bodily injury
  • Property damage
  • Comprehensive
  • Medical payments
  • Personal injury protection (PIP)
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 such as: retail, wholesale, crane & rigging, non-profit and manufacturing.