Liability Insurance

As a business owner your day doesn’t always end at 5 p.m. The stress of worrying about the security of your business and the safety of your employees goes well beyond a 40-hour workweek. At RDS Insurance Brokers, we tailor insurance solutions to fit your company’s specific needs and to reduce the risks you face as a business owner.

General Liability

Owning a business leaves you open to a variety of liability exposures. Commercial general liability insurance provides coverage for claims of bodily injury by paying for medical costs, legal fees and settlement awards. Likewise, if you or one of your employees causes damage to another person’s property, liability insurance covers repair or replacement costs. This type of coverage also protects against additional offenses, such as slander, disparagement or copyright infringement. At RDS Insurance Brokers, we recommend you bundle liability protection and commercial property insurance to form a business owners policy.

Umbrella/Excess Liability

Having a general liability policy is important to keeping your business assets secure; however, it has its limits. Umbrella insurance (also known as excess liability coverage) extends your general liability coverage to protect your business against gaps or limits in your existing policy. It also protects you from paying out of pocket for any excess amounts that your business may owe.

Cyber Liability

As technology becomes increasingly important for successful business operations, the need for a strong cyber liability insurance policy becomes more and more necessary. As more information is stored and transferred electronically, cyber exposures increase. Protecting your clients’ and customers’ personally identifiable information is a necessity. Don’t compromise your client information or your reputation; contact the cyber experts at RDS Insurance Brokers today.

Errors and Omissions

Lawsuits were once a measure of last resort, but are now a common way to settle disputes. Errors and omissions insurance (E&O) safeguards against catastrophic loss in the event of negligence on the part of a professional service provider. E&O coverage can also protect you against claims of slander, libel and breach of contact.

Directors and Officers

Directors, officers, board members and executives have significant responsibilities to shareholders and clients. Should managerial decisions carry adverse financial consequences—or should executives face claims of errors in management—directors and officers (D&O) insurance protects both commercial and personal assets.

Employment Practices Liability

Did you know that three out of five employers will be sued by a prospective, current or former employee while they are in business? Even if an employee is terminated due to reasons such as poor performance, the door is still open for potential lawsuits. Employment practice liability insurance can help you mitigate those risks by providing protection against wrongful termination, discrimination or sexual harassment claims.

Give your business the coverage and protection it needs by contacting RDS Insurance Brokers at 800-609-2126 or by filling out the form on this page.

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