HOME ABOUT CDS COMMERCIAL INSURANCE PERSONAL INSURANCE BONDING / SURETY EMPLOYEE BENEFITS RESOURCES INDUSTRY EXPERTISE CONTACT US Programs CDS Insurance has developed and implemented various insurance programs for the Building Industry Association (BIA), California Building Industry Association (CBIA), and the National Association of Home Builders (NAHB) since 1982. BIA/SC Workers’ Comp Insurance Program CDS has an endorsed Workers’ Comp program exclusive to Building Industry Association of Southern California (BIA/SC) members. The program was written by an A-Rated admitted insurer. BIA/SC members are eligible for a 5% additional discount. Artisan Trade Contractors There are several programs available for subcontractors, depending upon their specific trade, type of projects, prior experience and claims history. HBW 2-10 Home Buyer Warranty Program Designed for General Contractors building single family homes, this program combines General Liability insurance with a Builder's Risk policy and Home Warranty program for a comprehensive risk management program. BIA/SC Group Medical Insurance Program BIA members are eligible to participate in California Advantage, a highly flexible "choice" plan offering both HMO and POS options with multiple insurance carriers. Each employee can choose their own plan design and insurer, while still participating in their employer's group health plan. Condo/Townhouse Wrap-up Liability Programs Due to the lack of insurance companies providing Liability insurance to subcontractors involved in multi-family projects, most Condo or Townhouse projects must be insured on a "Wrap-Up" basis. This approach includes the designation of the General Contractor and all tiers of subcontractors as "insureds" for insurance purposes. Typically, the insurance costs are borne by all contractors participating in the program, based upon a pre-determined schedule or formula. Most general liability policies will automatically exclude coverage for any projects in which a Wrap-Up policy exists. Health Care Reform 2014 Want to learn more about the Affordable Care Act. Click here for specific information. BIS Trade Show 2014 Come visit us at the BIS Trade Show 2014 booth 807. Check it out! BIA Builders GL Insurance Program Special GL Insurance Program for Builder BIA Members. Click here to find out more. Workers' Comp Update 2014 New MPN compliance was mandatory October 8, 2010. For regulations click here. Insurance Review Time? Call us for a free insurance review. You can't afford not to. Contact Us Bonding/Surety Did you hear about our great bond rates? Click here to get more information. Employee Benefits Questions about the new healthcare laws? Let us guide you through them. Click here. © 2014 CDS INSURANCE SERVICES, INC. ALL RIGHTS RESERVED. LICENSE #OC88587.