RDS Insurance Brokers - Contractors Insurance

QUOTE INDEX

Automotive

Homeowner

Life & Health

RV & Marine

Business

Contractors

You invest your time, money and effort toward running your contracting business, so you should be confident that the insurance you purchase will protect your business when you need it most.

RDS Insurance Brokers offers a way for you to obtain Property and Liability insurance. The policy includes key coverage's that are important to any business, and also offers additional business-specific options that are important for any contractor.


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	CASE SENSITIVE

General Liability Highlights

●	General Liability Coverage
	Covers you against claims resulting from your business operations due to bodily injury or property damage to others. Medical Payments can be covered for up to $5,000.

●	Host liquor liability.
	Advertising Injury and Personal Injury can be included. Blanket Contractual may be added for all insured contracts. Damage to Premises Rented to You can be included

●	Limited worldwide coverage.
	Automatic additional insured may be added for state and political subdivisions as well as for managers or lessors of premises. Products/Completed Operations coverage is included.

Property Coverage Highlights

Property Coverage covers your Building and Business Personal Property and can be written with replacement cost.
	These additional coverage's can be added:
		Electronic Data Processing Equipment, Data & Media.
		Coverage for Business Personal Property.
		Coverage applies worldwide.
		Off premises (including transit) coverage, backup data off premises coverage, and newly acquired equipment coverage.
		Electronic Vandalism coverage.
		Business Personal Property Off Premises
		When Business Personal Property is selected, it extends to tools, equipment, building materials and supplies at installation sites, in transit, and away from premises for up to $25,000.

Business Income and Extra Expense

This covers income that is lost due to suspended operations caused by damage at your business from a covered cause of loss.

Rental value can be included.

Included on an Actual Loss Sustained basis for up to 12 consecutive months.

Coverage may also be written on a policy or location level basis for any dollar limit without the 12 month limitation.

Interruption of Computer Operations coverage can be included.

Crime Coverage:

●	Money and Securities can be included with Business Personal Property, when this coverage is selected.
●	Employee Dishonesty and Forgery or Alteration coverage can be included when Building or Business Personal Property coverage is selected.
●	Theft Damage to Rented Property coverage can be included within Business Personal Property when selected and when the tenant is contractually obligated. Newly acquired and/or constructed buildings can be included, when Building or Business Personal Property coverage is selected.
●	Signs within 1,000 feet can be included.

Property Features - Equipment Breakdown

●	Coverage for equipment breakdown can be included.
●	Diagnostic equipment, power generating equipment, and production equipment can be included for direct damage.
●	Expediting Expenses coverage can be included.
●	Service interruption of water, communication, or power supply coverage can be included (when Business Income and Extra Expense is covered).

* Higher limits are available

Coverage for Commercial Auto

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Liability Coverage*

Provides liability protection for damages caused by you and your employees on to others for bodily injury, property damage, and covered pollution cost and expense that result from the ownership, repair, use or loading or unloading of an automobile.

Bodily Injury:

Any physical harm, including sickness or disease, to other persons, including death resulting from these.

Property Damage:

Covers you against claims resulting from physical damage to tangible property of others including the loss of use of such property, and loss of tangible property of others that is not physically damaged.

* Exclusions Apply

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Physical Damage*

Protects your owned vehicle against damage and destruction, including loss from collision, vandalism, fire and theft.

Collision Coverage

Covers losses resulting from the collision of your covered auto with another object or the overturn of the covered auto.

Comprehensive Coverage

Covers losses resulting from any cause of loss other than collision or overturn. Collision with an animal or bird is covered under this coverage.

Specified Causes of Loss:

Covers damage to your vehicle resulting from:

●	Fire, lighting or explosion,
●	Windstorm, hail, flood, or earthquake,
●	Theft,
●	Vandalism and mischief, or
●	The sinking, burning, derailment or collision of a vehicle used to transport a covered auto.

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Uninsured Motorist*

Covers you when you are injured in an accident with an “uninsured” motorist.

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Underinsured Motorist*

Covers you when you are injured in an accident caused by a
driver whose automobile insurance limits are not equal to yours.

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Risk Control

Access to products and resources, training and education. Technical Bulletins.

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Claim Services

24 hour claim reporting via the Internet, phone or fax. Claims handled promptly and professionally.

●	Medical Payments*
	Provides coverage for necessary medical services to an insured as a result of an auto accident regardless of who is legally liable.
●	No-Fault*
	Provided where the coverage is required by state. This covers the drivers and passengers under your policy regardless of who is responsible for the accident. Coverage includes medical, hospital, work loss, and other related expenses.

	*Exclusions apply

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Workers Compensation

In today's ever changing workers compensation climate, it’s critical to have the best insurance companies working with you to fight rising loss cost trends. In every area, RDS Insurance Brokers uses the latest and best tools, integrating them in the most effective fashion, to produce industry-leading outcomes. Early intervention, advanced claim and medical technology, an appropriate return-to-work strategy, and network savings all play a part in helping to keep loss costs under control.

With RDS Insurance Brokers workers compensation companies, you can count on medical and claim professionals to promptly handle, thoroughly investigate and fairly resolve your workers compensation claims.