Hurricane Joaquin Emergency Claims Numbers

Claims Numbers


With the possibility of Hurricane Joaquin hitting the East Coast, it’s a good reminder to think about disaster preparedness no matter where you live. Did you know that flooding is the #1 natural disaster in the United States? In fact, in the past 5 years, all 50 states have experienced floods or flash floods. Fortunately, with advance preparation, you can limit your recovery expenses and ensure your organization stays afloat.

If you have an emergency, the first priority is always life and safety. If there are pressing safety issues, evacuate the building and call 9-1-1. The next priority is to stabilize the situation and begin immediate mitigation to prevent further damage. If you will be filing an insurance claim, it is also important to contact your insurance carrier.

In case of a storm emergency listed below are some helpful numbers.  Please be sure to print out this list, so that you will have access in the event of a power outage.



Carrier Phone Number
AIG – All Other Commercial 877-399-6442
Atlantic States Group 609-268-6700
ARI Insurance 800-820-4506
Chubb 800-699-9916
CNA 877-262-2727
Converys 800-225-6168
Cumberland 800-232-6992
Encompass 800-588-7400
Excel Insurance Services 877-530-0111
Farmers of Flemington 866-631-9153
Fitchburg Mutual 800-688-1825
Foremost 800-527-3907 All Other800-274-7865 Auto
Franklin Mutual 800-842-0551
FTP 732-679-3700 x6928
Great American 800-584-0835
Guard Insurance Co 888-639-2567
Hanover Insurance Co 800-628-0250
Harleysville 800-892-8877
Hartford 800-243-5860
IFA 877-432-2277
JimCor 800-431-0797
K&K Insurance 800-237-2917
Liberty Mutual 800-225-2467
Meadowbrook 800-825-9489
Merchants 800-322-8608
Mercury Insurance 800-503-3724
National Flood Insurance Program 800-767-4341
NJIUA 866-654-7526
NJ Manufacturers – All Other 800-367-6564
Norfolk & Dedham 800-688-1825
Plymouth Rock 800-437-3535
Peerless 800-522-7152
Penn National 800-766-2245
Philadelphia 800-765-9749
Philadelphia Contributorship / Germantown 800-269-1409
Progressive 800-274-4499
Redwoods Group 800-463-8546
Safeco – Personal Lines 800-332-3226
SAIF/PAIC (Highland) 973-459-4250, option #5
Scottsdale Insurance Co 800-423-7675
Selective 866-455-9969
Selective – Flood 877-348-0552
Southern Cross Underwriters 252-247-2519
Specialty Agency 888-729-7900
Travelers – Commercial 800-238-6225
Travelers – Personal 800-252-4633
USLI 866-632-2003
Zurich 800-987-3373


There is a chance that Rue Insurance could lose power during a severe storm.  If this is the case, our land line will not be available.  Therefore, you can contact our Rue Emergency Claims Cell Phone at 609-977-5708.

For emergency restoration companies click here.

New Jersey Emergency Restoration Companies

Every second counts when it comes to an emergency restoration of your home or business. This realization was a painful one for the tri-state area during Super Storm Sandy. That being said a new hurricane is forming and may make land fall in our area as soon as Sunday. Experts are having a difficult time predicting the path of Hurricane Joaquin, therefore, it is essential to take the necessary precautions to protect your livelihood.

Joaquin Path Emergency Restoration

At Rue Insurance, we have taken the time to put together a list of emergency restoration companies. We strongly urge all of our clients and neighbors to take the time to review the list below and plan ahead.

Many of these companies are able to coordinate the entire process from protecting your home or business from additional damage post-storm to getting everything back to pre-disaster condition. Services include, but are not limited to, board-ups & tarping, tree removal, water extraction, and fire restoration. There are many other contractors and restoration companies that may be able to assist you. Be sure to remember to confirm that any home improvement contractor that you select is licensed.

To access the NJ Division of Community Affairs to check home improvement contractor licenses, click here.  For more information and tips on selecting a home improvement contractor, click here.

Emergency Restoration Contact List

Company Name Web Address Phone
Belfor Property Restoration 877-388-8052
Carpet Tech N/A 609-333-1900
Insurance Restoration Specialists, Inc. 800-634-0261
Northeast Power Dry 888-379-7970
PuroClean 732-671-0990
ServePro of Aberdeen/Holmdel 732-290-3170
Service Master Clean 732-292-4550
ServPro of Freehold 732-431-4440
ServPro of Middletown 732-530-9009

If you have an emergency, the first priority is always life and safety.  If there are pressing safety issues, evacuate the building and call 9-1-1. The next priority is to stabilize the situation and begin immediate mitigation to prevent further damage. If you will be filing an insurance claim, it is also important to contact your insurance carrier. Many of the provided contractors can work directly with your insurance company to streamline the process for you.

For more information on Hurricane Joaquin click here.

If you have any questions or concerns be sure to contact one of Rue Insurance’s risk management specialists at (609) 586-7474.

Employee Dishonesty Insurance

Employee DishonestyARE YOU PROTECTED?

Employee Dishonesty Insurance protects you from loss of money, securities, or inventory resulting from allegations of employee dishonesty and embezzlement.

Fraud and embezzlement in the workplace is on the rise, occurring in even the best work environments.   From fictitious employees, dummy accounts payable, non-existent suppliers to outright theft of money, securities and property.  These schemes involve every possible angle, taking advantage of any potential weakness in your company’s financial controls.

Because crime-related losses are not typically covered by most property insurance policies, crime insurance is a necessary component for any business.  Unfortunately, the majority of businesses don’t purchase enough crime protection.

If you are interested in learning more about this option or to discuss your current limit of coverage, please contact your Rue Insurance service representative at 1-800-272-4RUE.

For information in regards to employment related insurance follow the link to our employment practices liability blog:

Stay up to date on all your insurance needs by following us on Facebook and LinkedIn!



Rental Car Insurance Considerations


When it comes to renting vehicles for business use, it’s important to understand your coverage options to smooth out any surprise bumps in the road. Since coverage varies from one rental agency to the next, it’s important to know the risks and how to protect against them.

For years, we have been advising our clients to purchase hired car physical damage on their business auto policy and to reject the “insurance” offered when you rent a car. Since hired car physical damage covers rented vehicles the same as it would an owned vehicle, why pay more for loss damage waiver (LDW) or a collision damage waiver (CDW)? Because rental agreements have evolved in recent years and possibly create pitfalls for auto renters.

About Your Business Auto Policy

If you are relying on your hired car physical damage on your business auto policy to protect you, but the vehicle isn’t rented by the business, the hired car physical damage coverage won’t respond to claims. Your employees should use the business name on the agreement and pay with a business credit card, if possible.

Each year, the liabilities assumed under rental agreements expand. At one time, renters were responsible only for actual damage to or theft of the vehicle. Over the years, the rental car companies added loss of use. As a result, if the car is in the shop for two weeks after an accident, you, the renter, are liable for the revenue the rental car company has lost. Plus, storage fees may be passed on to you. In addition, some agreements require that you pay for “diminution of value.” This is the reduction in resale value for a vehicle that has been in an accident. If you purchase the LDW or CDW offered by the car rental company, your responsibility for damages will be waived.

About Rental Insurance

Should you use coverage from the rental car company and remove the hired car physical damage from your business auto policy? This would be a good solution if you could rely on the rental car coverage. Unfortunately, there are provisions in every rental contract that can void the coverage. For example, coverage is often voided if the driver has a single drink before driving; if he asks someone to drive in his place and that person is not listed as an authorized driver; if the driver is under the age specified in the rental contract; or if the car is taken on unpaved roads. Unfortunately, there are many ways to void the LDW/CDW, and they vary from one agreement to the next.

About Personal Auto Policies

Some personal auto policies won’t cover an SUV, van, or pickup being used for business. Plus, a personal auto policy won’t cover if the employee doesn’t carry comprehensive and collision – a likely case if the employee drives an older vehicle. Some policies exclude loss of use and all exclude diminution of value. And, if the personal auto policy does pay the claim, it will be on the driver’s loss record and might result in cancellation of coverage.

About Credit Card Coverage

Will the credit card used to rent the vehicle pay for the loss if your insurance doesn’t? To activate coverage, the cardholder must be the primary renter and must decline the LDW/CDW. Nothing is standard with credit card coverage, and it may be changed from time to time at the credit card company’s discretion. Also, if you violate any terms of the rental agreement, the credit card coverage is voided when you need it most. Many credit cards exclude rented SUVs, and some exclude any weather-related damage, like flood and hail.

Minimizing the Risk

What should you do to minimize your risk? We recommend:

* Dealing with one corporate-approved rental company, if possible. This will establish that the rentals are for business use and that the business is renting the vehicle, not the employee. Review the contracts of at least three rental car companies and choose the one that best suits you. Make sure to sign a blanket agreement for all rentals and keep a copy on file.

* Taking the LDW/CDW coverage, or self-insure any exposures not covered by hired car physical damage. Such exposures typically include loss of use, diminution of value, storage fees, administration and claims expenses. Some loss of use may be provided by your Business Auto policy. Ask us to review this for you. Depending on how often your firm rents vehicles and the cost of LDW/CDW, self-insuring might be a good option.

* If you purchase LDW/CDW, make your employees understand the “Prohibited Uses” or other section that explains actions that will void coverage, even though you paid for it.

* Continue to carry hired car physical damage on your business auto policy.

Proper Planning is No Accident

Questions?   Please contact your Rue Insurance service representative at 1-800-272-4RUE.

Millennial Misconceptions of Insurance: Your First Home

First HomeThere is a short list of goals that make up what is known as the “American Dream.” Within these goals one is particularly important to demonstrate your success, buying your first home. So what happens when that dream home, condominium, or town house is part of a homeowners association (HOA)? Statistics show that one in six Americans live in a homeowners association and of those even fewer have more than the minimum limit for what is known as loss assessment coverage.

Being part of a homeowners association is a shared financial responsibility amongst you and all of your neighbors. The technical definition is coverage that pays on your behalf your share of an assessment charged against all members of a homeowners association (you and your neighbors) as a result of a covered loss. You may be asking what this means and how it would affect you. In short, the HOA has a master policy that covers incidents outside your personal unit or home. So when there is an assessment for a hurricane that rips the siding off the clubhouse, little Tommy’s friend gets hurt in the swimming pool, or a pipe burst in the community fitness center, the homeowners association’s policy will cover it up to the limit on the policy, after the deductible if applicable. This is when the loss assessment coverage kicks into place. If your dream home’s HOA doesn’t have adequate limits then you and the rest of your neighbors are on the hook to pay the excess. To quantify this point, if your HOA has $1,000,000 in coverage and there is a $1,500,000 claim, then the members would have to pay that excess $500,000 divided equally amongst them.

At this point you may be thinking to yourself- my quote machine (sorry, I mean agent) told me that I have loss assessment coverage. That is true; all homeowners policies are built in with a $1,000 limit. With that in mind let’s go back to that $500,000. If there are 20 members of the HOA you will be paying roughly $25,000 each. That coverage your agent told you about will make sure that you only have to pay $24,000.

At this point in time I will reference the late Billy Mays when I say “but wait, there’s more” and in my opinion the most disturbing aspect of this coverage. Let’s say that the community fitness center was flooded around four months before you moved in. Everything was fine and dandy when you moved but a couple weeks later you get the news that you have to pay that $25,000 when you weren’t even living in the community. The date of the occurrence that generated the assessment is not a factor as long as the assessment is made during your policy period.

Buying your first home should be a joyous occasion; thus, buying a policy online or from a company that wants to write as many policies as possible just isn’t good enough. I asked some of the personal insurance advisors what it would cost to add the maximum coverage, $50,000, to a policy. Depending on the carrier the coverage ranges from $16 to around $60 a year. In most but not all cases this additional coverage is something that you as the client need to make your agent aware of.

Therefore, it seems as though the overarching theme of these blogs is that the minimum just isn’t good enough. You don’t achieve the “American Dream” by meeting the basic requirements so why would you put your trust in a company that sees that as the best way to do business? Insurance is one thing in our society that everyone is required to have but very few understand. My goal is to educate you in this area and keep that hard earned money where it deserves to be, in your wallet. If you belong to a homeowners association or are moving into a community that has one, be sure to contact your agent and review your loss assessment coverage.

For additional information and questions contact Rue Insurance at 609-586-7474

Alec Wells

Business Development Coordinator/ Resident Millennial

What Is Coinsurance?

Coinsurance Picture


Coinsurance provisions found in property policies require the insured to purchase and maintain a minimum percentage of the structures total insurable value.  Policies lacking adequate limits of coverage at the time of a loss are subject to a penalty.  The insured becomes a “co-insurer” of the loss thus the term, “coinsurance.”


To determine if your policy includes this provision, look for a percentage, such as 80%, 90% or 100% on the property insurance policy declaration page.  This means that the limit of coverage that you have selected is at least equal to that percentage of the actual replacement value of what you are insuring.


Coinsurance clauses are found in many insurance policies, such as Commercial Property Policies including your building and business personal property, Scheduled Equipment Floaters, Flood and Homeowner Policies.



Value of the building is: $500,000
Coinsurance: 90%
Limit Purchased: $300,000
Deductible: $500
Amount of Loss: $100,000


Step (1):  $500,000 x 90% = $450,000 (minimum amount of insurance you should have to meet coinsurance requirement.)

Step (2):  $300,000/$450,000 =.67

Step (3):  $100,000 x.67=$67,000

Step (4):  $67,000 less deductible $500 = $66,500 (amount the carrier will pay for loss.)


It is important to review the values on your policy and take into consideration the construction of the property as well as today’s construction costs.  We can assist you in performing estimates for the replacement of your property.  We can review the results compared to your present property insurance limits to ensure you choose the correct limits and that you are properly and comfortably insured to value.


Questions?   Please contact your Rue Insurance service representative at 1-800-272-4RUE.

Why Do I Need Insurance?

Why do i need insurance

I was traveling to work and heard on the radio that the reason for the bumper to bumper traffic on 287 was a fatal auto accident where a man was killed. I can’t count the number of times I have heard similar reports on my morning commute. The traffic reporter talked about the accident with the same tone and cadence he used reporting the time it would take to get through the Holland Tunnel to New York City. It was another day traveling in New Jersey, however this morning the story just grabbed by attention.


I’m certain when this man left his house he kissed his wife and kids goodbye not knowing that this was his last goodbye. He was on his way to work just like me and probably didn’t give a thought about what he was going to face.   You may have heard the phrase “Your life can change in just one moment.” and this man’s did. But it also changed for his family. What is going to happen to them?


After saving money for many years my wife and I bought our first home. I love to joke around saying that now I have a part of the “American Dream”…a mortgage payment. I spent a lot of money fixing and upgrading the house. This is now the place I call home. It’s where I lay my head to sleep; it’s where my children are going to grow up. What happens if a natural event like a hurricane comes and destroys this home and all that I own is gone?


I witnessed my son being born which was a miracle; because our doctors told us we had the slimmest of chances getting pregnant even with modern technology.  Now that he is here, what do I need to do to protect his financial future?


These life changing events can be financially supported or protected by insurance. Sure there may be government or bank requirements for you to buy an insurance policy on your car or home, but that should not be the sole reason driving your need for financial protection.


If you are concerned about protecting that which is most valuable to you then buying an auto policy, homeowner’s policy, personal umbrella policy, renter’s policy, or life insurance policy becomes a line of defense in case the unexpected happens to you.


I don’t know if the man who died in the car accident, mentioned earlier was at fault, but if he was, his wife would be facing a large lawsuit from the people he hurt. An auto policy combined with a personal umbrella policy could offer her financial protection from the lawsuits. When accidents are big it’s virtually guaranteed to result in someone being sued.


With my home I had to make sure that I provided adequate coverage for my house and personal belongings; it’s my largest asset. The bank required that I carry enough to cover the loan, but the value to rebuild the house was much larger. I couldn’t afford to pay the difference out of my own pocket. Especially as my loan value decreases and the cost to replace my house increases in the years ahead.


With the birth of my son I had to make sure I had life insurance in place so in case my life is cut short he and my wife have adequate funds to live on afterwards.


There are many stories that explain why one should buy insurance, but the bottom line is insurance is there to protect you when risk of financial loss is the greatest. No one can predict the future. We may have an idea of what we want to do in life but accidents happen. The routine and pace of life can change in a moment.


What we pride ourselves on at Rue Insurance is helping our clients find out what their greatest financial risk is and working out a plan to pay for that (buying an insurance policy) or talking about ways to avoid or minimize their exposure (Personal Risk Management)


The way we approach insurance is not something you are going to find on a website by clicking a bunch of buttons. We want to engage in a conversation that empowers individuals to be ready for the future.


In the weeks and months ahead you will read stories in this blog about insurance and other topics of risk management.  You can also join the conversation on our Facebook or LinkedIn pages.


If you want to talk to us directly, give us a call at 609-586-7474 or click here to start a one-on-one conversation to answer that question of: Why do I need insurance?



Scott Harrigan, CIC, CRM


Why Does Your Business Need Insurance?


It doesn’t make a difference if your company is virtual, out of your home, on the road, or in a leased building. There is going to be a time in your company’s operation when you will face one or more of the following:


  1. An auto accident
  2. Someone gets hurt while working for you
  3. Your work injures another person
  4. You fire someone and they are not happy
  5. Your property is damaged
  6. Money or inventory goes missing


Your business needs someone with deep pockets to take on the financial risks that your business faces from lawsuits, accidents, and injuries. Just to illustrate the complexity of financial risks that a business could face, consider this “short” list of insurance coverages that a business could buy:


  1. Accident Health
  2. Auto
  3. Builders Risk Insurance
  4. Business Income & Extra Expense
  5. Commercial Crime
  6. Computer Coverage
  7. Computer Fraud Coverage
  8. Contractors Equipment Coverage
  9. Directors & Officers Liability
  10. Disability Insurance
  11. Earthquake Coverage
  12. Employee Benefit Liability Coverage
  13. Employee Dishonesty Coverage
  14. Employers Liability
  15. Employment Practices Liability
  16. Environmental Liability
  17. Fiduciary Liability
  18. Flood Coverage
  19. Forgery or Alteration Coverage
  20. Funds Transfer Fraud Coverage
  21. General Liability Coverage
  22. Hired & Non-Owned Auto Liability Coverage
  23. Installation Floater
  24. Life Insurance for Buy / Sell Agreements
  25. Liquor Liability
  26. Network Security / Privacy Liability (Also known as Cyber Insurance)
  27. Professional Liability or Errors & Omissions Insurance
  28. Property Coverage
  29. Stop Gap Coverage
  30. Systems Breakdown Coverage
  31. Transportation Coverage
  32. Umbrella or Excess Liability
  33. USL&H Coverage
  34. Workers Compensation


Not every insurance product listed above is needed for every business. It serves to illustrate the complexity of exposure to financial loss that a business could face. The bigger question is what degree of risk to financial loss does a business have which drives the need to purchase these types of insurance products?

When you are dealing with an independent agent like Rue Insurance, it would be wise to sit down and talk at length about your company and how it operates. If you get a quote online from a website that asks some basic questions about your business we have a term for that – “Buyer Beware.”

Websites designed to provide you a quote online rely on a “One Size Fits All” approach to selling insurance. But the reality is every business is different. Coverage customized to meet the financial risks that each individual business faces is paramount.

Expecting the Unexpected – Natural Disasters

Are you ready for that isolated event or unexpected natural disaster that could cause a serious disruption in your business? Natural Disasters

While all disasters pose a serious threat, sometimes it’s the ones we least expect that cause the most damage.

Specifically, non-weather related disasters including burst pipes, theft, chemical spills, arson, pest infestation and more can have a serious impact on your organization.

With isolated incidents, your operations could suffer from:

  • A power outage
  • Lack of phone and Internet access
  • A possible reduction in available staff
  • An inability to retrieve and back up data
  • An inability to process payments
  • Limited to no office access

All of these result in an inability to serve your community in their time of need.

The very definition of ‘isolated incident’ means that it is unlikely to happen again, but when it comes to disaster recovery, nothing could be further from the truth. It’s just as important to prepare for isolated events as it is to prepare for predicted natural disasters.

Isolated incidents will catch organizations off guard, so preparing in advance will help get your systems back online and your doors open as quickly as possible. The following “10 Steps to Preparedness” will help you recover quickly and efficiently from an isolated event.

  1. Assess your risk—both internally and externally.  Create a list of incidents that could potentially happen or may have happened to another organization either in your area or elsewhere, and conduct scenario planning sessions with your emergency management team around those incidents.
  2. Assess your critical functions.  Make a similar list of your operation’s most critical functions. Then next to each one, write the maximum amount of time the organization can be run without that service. For any functions that you would prefer not to go down at all, put a zero. For each function, discuss your recovery options for keeping it up and running during a disaster or quickly and efficiently bringing it back online after a forced shutdown.
  3. Prepare your supply chain.  Query your vendors and partners about their emergency recovery plans. Be sure to provide your key vendors with remote contact information for their primary contacts. 
  4. Create an emergency management plan.  Your emergency management plan is a roadmap that your employees can follow during and immediately after any disaster.
  5. Back up your data.  There are three priorities to consider when backing up your data: Access, Redundancy and Security.
  6. Create a crisis communication plan.  To ensure that the emergency management team, as well as all employees, are able to communicate with each other, have two or three alternate communication methods in place. 
  7. Assemble an emergency kit or ‘go’ bag.  A go bag is an emergency kit that is ready to be used at all times. Its purpose is to help minimize the impact of a disaster and should include items you would need to run your operations if you had to vacate your office or if your facility was without power, water, internet, etc. 
  8. Review your insurance coverage.  Your organization is constantly growing and evolving and it is not the same as it was a year ago. Review your insurance policy annually to make sure all of your employees and physical assets are adequately covered. 
  9. Plan for an alternate location.  Often, a disaster or event will result in the inability to reopen an office or facility, and organizations may have to consider an alternate location.
  10. Test your plan.  Testing is a critical component of continuity planning. Through testing, you will be able to determine what will work and what needs adjusting, and you can spotlight and fill in any gaps in your plan.


For more information or how to prepare for a disaster, click here to contact one of our advisors.

Millennial Misconceptions of Insurance: Ridesharing


As of today I will no longer be using any ridesharing service. This decision isn’t a result of poor customer service, negative publicity, or that I was a passenger during an accident. The reason is simple; I refuse to continue to put these drivers, who are just trying to make a living, at risk. We as millennials continue to live under the misconception that large businesses have our best interests in mind. Unfortunately, some companies don’t see us as students paying off loans or someone just starting a family, they look at us as a wallet in a pocket with green pieces of paper or plastic.

Recently, a colleague of mine was reviewing the lease for his 2015 Honda Accord and brought to my attention one sentence regarding the Terms of Use of the vehicle. It read as follows, “I will not use or allow the Vehicle to be used illegally, improperly, or to transport goods or people for pay.” The penalties for violating this clause might result in the following: termination of the lease and possession of the vehicle and repossession of the vehicle by the leasing company. Ridesharing continues to be a hot topic around the country for reasons such as, employee classifications, area specific regulations, and whether or not this “livery” service will be covered by your personal auto insurance.

The personal auto policy is designed to provide coverage while the insured party is driving for leisure, personal reasons, or when commuting to and from work. In fact, many policies specifically exclude coverage for accidents that occur while the driver is driving a passenger for pay. Due to this exclusion and the growing popularity of services such as, Uber and Lyft, in some states major insurance carriers are beginning to release endorsements to extend coverage for ridesharing activities. The developments have been widely praised and publicized, but what are those extensions adding on to your policy?

The answer is quite startling and inspired the entirety of this blog. Recently ISO, Insurance Service Office, is releasing two optional endorsements, available in fall 2015, for transportation network companies, they cover Phase 1 and 2 of the ridesharing experience. Phase 1 is when a driver logs on to the app but hasn’t matched with a passenger. Phase 2 is when a passenger match is made and accepted. There is no coverage in a personal auto policy for Phase 3, which is when there is a passenger in the vehicle, even if these ridesharing endorsements are added. This misconception can result in those already tough to obtain green pieces of paper being further depleted.

To quantify the amount of drivers who do not have coverage the following research was conducted:

  • Only 8% nationwide of rideshare participants indicated they had obtained the ridesharing endorsement [1]
  • One major ridesharing company listed their active drivers, in December 2014, at 162,037, doubling every 6 months. [2]
  • Based on the above statistic it can be safely assumed that as of July 2015, the company currently has approximately 324,074 drivers


With this information I discovered that of the 324,074 drivers for the ridesharing giant, only 25,925 are adequately covered at the time of an accident and only when driving to pick up a passenger. Thus, in a typical personal auto policy no coverage whatsoever is provided while a passenger is in the vehicle. The ridesharing company is responsible for your personal auto insurance as soon as the passenger gets in your car. [3] If you are a driver for a ridesharing company and have concerns about your insurance or contracts, contact your insurance agent or ridesharing company today because unfortunately bad things do happen to good people.

As millennials we must address our misconceptions and realize that convenience isn’t always convenient. As the most informed generation in history with all the information we could possibly imagine just a click away, why settle for the bare minimum? Therefore, a question arises as ridesharing becomes and continues to be a staple for our generation and may seem like an attractive method for making a quick buck, but before you turn on that app, think to yourself, is it worth it?

For more information regarding your personal auto insurance policies please contact Rue Insurance at (609) 586-7474


Alec Wells

Business Development Coordinator/ Resident Millennial