Builders’ Risk policies cover buildings and structures under construction, remodeling or repair while protecting against damage from theft, fire, vandalism, wind and other accidental loss or damage.

Coverage typically extends until the building or structure is completed and/or accepted by the owner.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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Errors & Omissions/Professional Liability Insurance protects businesses against loss due to a claim of negligence, error or omission by the business.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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Directors’ and Officers’ Liability policies protect associations and corporate officers, managers and directors against claims from shareholders, government agencies, employees and other parties alleging mismanagement.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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Employee Benefit Liability coverage protects employers against claims by employees or former employees that result from alleged negligent acts or omissions in the administration of a company’s employee benefit programs.

Coverage includes administrating plans such as these:

• Employee counseling
• Interpreting employee benefit programs
• Handling records
• Timely enrolling, terminating or canceling employees in specified plans

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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General Liability policies typically address claims that arise out of an insured person’s or business’ liability for injuries and/or property damage caused by multiple factors:

• Ownership of property
• Manufacturing operations
• Contracting operations
• Sale or distribution of products
• Operation of machinery

If you have any questions, please call us at (707) 576-5115. 

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Most states, including California, require Workers’ Compensation coverage for employees to provide benefits for job-related injuries or illnesses.

This policy protects you and your company by eliminating lawsuits related to these specific injuries or illnesses.

If you have questions about the coverage requirements in California, please call us at (866) 477-4225 or (707) 576-5115. 

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Pollution insurance offers protection to business owners on multiple levels:

• Covers all fines incurred due to pollution discharge that results in environmental damage
• Reimburses reasonable and necessary cleanup costs associated with carrying out a government order following environmental damage
• Covers costs associated with legal defense

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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Business Property & Income coverage provides significant protection of multiple business assets.

• Covers your building, equipment, furnishings, fixtures, inventory, computers, records and other valuables
• Helps repair or replace your business location and its contents
• May also help provide income if your business can’t operate for a period after a covered loss

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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• Insurance Essentials
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• Merchant Services

Products & Complete Operations Liability protects against financial loss for a manufacturer, merchant, contractor or distributor based on injuries or damages that result from using a covered product or performing a covered operation.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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• Merchant Services

Garage Liability coverage is tailored for businesses specializing in vehicle sales and repairs. It covers auto salesrooms, used-car lots, service stations and repair garages for bodily injury and property damage.

Premiums are based on the payroll of the business.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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• Merchant Services

Fidelity bonds may be used by employers to protect themselves against losses due to employees’ fraudulent activities. The majority of these policies are written on a blanket basis, though some scheduled policies are still available.

• Coverage includes loss of money, securities and other property
• Provides coverage for all employees, subject to the policy definitions
• Limit of liability is “per loss” applied on an occurrence basis
• All acts involving the same employee or group of employees are considered one occurrence

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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Fiduciary Liability policies (also known as Pension Trust Liability Insurance) protects against losses for any alleged wrongful act by the person or business that is insured or any person for whom the insured person or business responsible and covers any defense costs connected with covered claims.
The policy, written on a claims-made form, covers these wrongful acts:

• Any violation of the responsibilities, obligations or duties imposed on fiduciaries by the Employee Retirement Income Security Act (ERISA)
• Acts, errors and omissions in the plan administrator’s performance of duties

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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• Insurance Essentials
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• Merchant Services

Surety Bonds provide monetary compensation if a company fails to perform specified acts within a stated period. For example, the surety bond would be responsible for fulfilling a contract if a contractor defaults.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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Employment Practices Liability covers business owners, managers, supervisors, directors, officers and employees are covered against claims resulting from multiple allegations such as these:

• Wrongful termination
• Discrimination
• Sexual harassment
• Wrongful discipline
• Failure to employ or promote

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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• RCU Business Insurance Services
• Insurance Essentials
• Payroll Services
• Merchant Services

The Business Owners’ Policy is a package policy that provides property and liability coverage exclusively for small- and medium-sized businesses.
Businesses must meet certain criteria to be eligible for this coverage, and insurers consider multiple factors for eligibility and premiums:

• Size of the premises
• Required limits of liability
• Type of business
• Extent of off-site activity
• Business location
• Financial stability
• Building construction
• Security features
• Fire hazards

This policy includes multiple coverages, such as money and securities, signs, business interruption, loss of refrigeration and much more.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115.

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• Insurance Essentials
• Payroll Services
• Merchant Services

Inland/Ocean Marine policies cover items in transit as well as bridges, tunnels and other means of transportation and communication. The Ocean Marine policy provides coverage on all types of vessels, including liabilities connected to them, and their cargo.

Numerous floater policies insure personal effects, personal property, jewelry, furs, fine art and other valuables.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

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• Insurance Essentials
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• Merchant Services

Business Income insurance reimburses a business owner for lost profits and continuing fixed expenses if a business must close due to physical damage from a covered peril, such as fire.

Also known as Business Interruption Insurance, this policy also may cover financial losses that occur if civil authorities limit or prohibit public access to the area in which the business operates following a disaster. Depending on your policy details, civil authorities coverage may start after a waiting period and last two or more weeks.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115.

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• Insurance Essentials
• Payroll Services
• Merchant Services

Just like a personal auto insurance policy, a commercial auto policy protects your company’s important assets on the road.

RCU Insurance Services can help you develop a policy that covers your company’s needs with a variety of auto liability, medical, uninsured motorist, collision and comprehensive coverages and deductibles.

Whether you maintain one vehicle or a fleet for your business, a commercial policy is more prudent than covering the vehicles with a personal policy.

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

Related Links

• RCU Business Insurance Services
• Insurance Essentials
• RCU Auto Services
• Payroll Services
• Merchant Services

Boiler and Machinery policies provide coverage for losses stemming from the operation of pressure, mechanical and electrical equipment. Coverage includes the following:

• Loss of the boiler and machinery itself
• Damage to other property
• Losses connected to business interruption

If you have any questions, please call us at (866) 477-4225 or (707) 576-5115. 

Related Links

• RCU Business Insurance Services
• Insurance Essentials
• Payroll Services
• Merchant Services

If you have any questions, or would like a quote, please call us at
(866) 477-4225 or (707) 576-5115

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Redwood Credit Union serves anyone living, working or owning a business in California’s Northern Bay Area, which includes the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Contra Costa and Solano. We look forward to serving you!