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Specialty Markets

Automotive & Garage Services

AutomotiveFrom the family car service center to a 600 horsepower specialty shop and everything in between, we have the insurance markets to offer competitive price and comprehensive coverage. Contact us for a quote on your service, repair or auto body business.

  • Garage Liability
  • Garage Keepers Legal Liability (primary or excess)
  • Equipment breakdown
  • Property and tools
  • Buildings including lifts
  • Workers’ Compensation



We have specialized in the floral industry for more than 20 years. We represent insurance companies that have customized programs for florists. These programs have proven to be very competitive in Colorado. In addition to the basic property, inventory and liability coverage these customized programs include:

  • Florist’s Errors and Omissions Liability
  • Increased inventory limits for specific holidays
  • Product in transit
  • Temperature change for perishable stock
  • Peak season
  • Computer/media including virus protection
  • Employment practices liability
  • ID theft recovery
  • Dependent properties
Visit the CRFA website and become a member if you aren’t already!

Greenhouse/Garden Centers


RSS has served the greenhouse/garden center industry for more than 20 years. We specialize in understanding the unique materials you use to grow and protect your crops each year. That understanding allows us to design unique insurance protections for your GROWING business.

  • Property (Including greenhouses of all construction types)
  • Liability
  • Package policies
  • Crop
  • Equipment breakdown/boiler
  • Commercial automobile
  • Umbrella
  • Workers’ compensation

CNGA has a workers’ compensation safety dividend plan for members.

  • Member discounts
  • Safety plans
  • Cost containment certification
  • Dividends
Visit the CNGA website and become a member if you aren’t already!

Residential & Commercial Contractors

ContractorsSince 1967 RSS Insurance has been providing specialized insurance programs for General & Sub-Contractors, and for Green/Sustainable construction.

  • General Liability
  • Builders Risk
  • Worker’s Compensation
  • Business Auto/Equipment
  • Bonds
  • Custom Homes
  • Multi-Family
  • Tract Home Project
  • Specialty Wrap-ups
  • Commercial

Solar Energy

SolarColorado is an ideal setting to foster and support the exploding demand for renewable energy sources such as solar power. As an active member of the Colorado Solar Energy Industries Association (CoSEIA), we appreciate the needs and demands for the growing solar industry. As such, we have established strategic insurance carrier relationships that allow us to provide specialty insurance products and support.

Each of your customers has a unique energy need and usage. As a solar professional, your responsibility is to help them determine the best solution to meet that need through utilizing renewable resources. As insurance professionals, it is our job to make sure you and your clients are properly insured throughout that process, whether you do a small part of the solar system installation or manage the entire process from design to installation.

We can insure all phases and job types for solar contractors, suppliers or manufacturers.

We have specialty programs for:

  • General Liability
  • Workers’ Compensation
  • Property
  • Automobile
  • Installation
  • Maintenance/Repair
  • Consulting
  • Manufacturing
  • Distribution

Golf Courses

Golf2Our golf programs are second to none. We offer a complete range of both standard and custom-designed insurance solutions that only a well-established broker like RSS Insurance can provide. This includes a turnkey solution for a range of insurance products, risk management services, employee benefit programs and specialized financial services.

We have specialty programs for:

  • Public Golf Courses
  • Semi-Private Golf Courses
  • Private Golf Courses
  • “Destination” Golf Resorts

Coverage Highlights

Golf Course and Country Club Property

  • Club Professional Replacement Expense $20,000
  • Business Income and Extra Expense
  • Golf Carts
  • Wind & Hail Damage to Tees, Greens & Fairways (+ loss of income)
  • Personal Property of Members, Guests and Club Professional
  • Food Contamination $25,000
  • Employee Dishonesty $50,000 with option to increase
  • Errant Golf Ball Property Damage $1,500
  • Hole-In-One Reimbursement Expense $2,500
  • Outdoor Property $250,000 with option to increase
  • $25,000 for Trees, Shrubs and Plants with option to increase
  • $100,000 fences, antennas, cart paths, etc. with option to increase for
  • Underground Property $250,000 with option to increase
Golf Course and Country Club Liability Endorsement
  • Damage by Fire, Lightning, Explosion, Smoke and Sprinkler Leakage $500,000
  • Personal Injury – Contractual Liability
  • Medical Payments – Club Members (not compensated) and Athletic Participants on premises
  • Additional Insured – Golf or Tennis Professional
Optional Liability Coverage
  • Professional Liability for Barbershops, Beauty/Nail Salons, Massage Parlor, Spas, or Fitness Centers
  • Sexual Abuse or Molestation Coverage if insured operates Day-care or provides Baby-sitting Service
  • Limited Pollution Coverage
Other Coverage Available
  • Commercial Auto
  • Inland Marine
  • Work Comp
  • Directors and Officers Liability
  • Umbrella Liability

Private Schools & Religious Institutions

SchoolsYour organization faces unique challenges. Our markets provide you the specialized coverage & protection to meet those risks.

School Essentials

  • Educators Legal Liability
  • Directors/officers
  • Employment Practices
  • Property/Special Events
  • Auto Liability
  • Buses
  • Volunteers
  • Fleet
  • Athletics
Church Specialties
  • Pastoral Counseling Liability
  • Sexual Misconduct
  • Property / Income Loss
  • Off Site Programs
  • D&O, Volunteer & trustee Coverage
  • Auto Liability

Technology Business

TechTechnology services companies are rapidly becoming a significant target in the ever increasing number of filed lawsuits.

Our select programs can help protect you from losses due to:

  • A bug in your software that crashed a clients server/network
  • Failure on equipment you installed
  • Your website design too closely resembles a key competitor’s
Sample Coverage Options
  • Negligent act, error or omission
  • Failure of Tech service to perform
  • Copyright infringement, slogan, etc.
  • Website Management
  • Accidental disclosure of private data
  • Wrongful access, trespass
  • Misuse of intellectual property right
Contact Us To Get A Quote!