Commercial Specialty Insurance

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Not all commercial insurance coverage fits neatly into a General Liability or Commercial auto. To mitigate other types of risk, you’ll need to think outside the box – and we can help. Specialty insurance focuses on specific risks that fall outside the realm of your standard policies but can be just as important in protecting your business. Need a quote or have questions on any of the specialty lines below? Fill out the request a quote form or call RDS Insurance Brokers at 800-609-2126.

Agriculture Insurance

Farmers face significant, unpredictable risks. After all, no one is more temperamental than Mother Nature. Safeguard your crops and your business with protection specific to the agriculture industry, including the following:

  • Farm Property Insurance – The machinery you use is expensive. Farm property insurance provides protection for your building structures, garages, machinery, equipment, livestock and operational inventory (such as grain, animal feed and fertilizer).
  • Crop Insurance – Hail, droughts, ice, fire, or price declines, can all be devastating to your crops, and your bank account. Crop insurance protects you from losses due to diseases, pests and the elements.
  • GAP Program – Although not mandatory by federal law, the Good Agricultural Practices (GAP) program helps ensure product safety by being proactive about reducing foodborne illness. Developing a GAP program at your facility can help alleviate concerns of product liability. When devising a GAP program, RDS Insurance Brokers encourages you to consider the following items:

    • Water quality
    • Treatment of manure
    • Employee health and hygiene
    • Sanitation areas
    • Field sanitation
    • Packing facilities
    • Transportation
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Crime Coverage

No matter the type of business you have, theft can occur, and Crime Coverage helps. It protects a business from employee and third-party theft of money, securities, and other property

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Cyber Liability Insurance

Technology is used in every modern business and is exposed to the possibility of cybercrime every day.  Cyber Liability Insurance can provide coverage in the event of certain data breaches which compromise customer data.  This coverage will hep cover some of the cost after a data breach, like customer notification and legal fees

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Directors and Officers Liability Insurance

The Directors and Officers are who run the business.  Directors and Officer Liability Insurance, also referred to as D&O, is therefore very important to protect the company from any negligent acts, omissions or misleading statement that could result in a lawsuit against the company.

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Employment Practices Liability

Any business that has employees can face the risk of an employee-related claim and needs Employment Practices Liability Insurance also known as EPLI.  EPLI helps protect a business against employee lawsuits alleging inappropriate or unfair acts, even if done unknowingly.

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Inland Marine Insurance

Named for its original role in the protection of marine shipped cargo, modern-day inland marine insurance fills gaps in commercial property protections—whether that property is on land, sea or in the air. Businesses in different industries may need different types of coverage as part of their inland marine package, including the following:

  • Construction – Builder’s risk, contractors’ equipment, installation, and riggers liability
  • Technology and Communication – Cable television, electronic equipment, medical imaging equipment, physicians and surgeons, and telecommunications equipment
  • Transportation – Commercial transport, legal liability, motor truck cargo, railroad rolling stock and tank storage
  • Miscellaneous Floaters – Armored cars, furriers block, installation sales, jewelers block and related property