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Industry Expertise

Insurance is a complicated business. Knowing that all businesses are not alike and all insurance policies do not offer the same levels of coverage, we have created Industry Expertise Teams. Our specialized service teams are designed to provide you with insurance experts that have knowledge of the unique needs of your industry.

Rue Insurance serves the following industries listed below:

  • Contractors
  • Health & Fitness
  • Non-Profits
  • Physicians & Healthcare Organizations
  • Public Entities
  • Technology

Contractors

Construction is our largest industry group. Because we insure so many contractors we have a good working knowledge of what you need. Yours is a difficult business, insurance can be complicated.

Feeling confident that you are receiving the correct advice is critical. We represent most of the insurance companies that like to insure contractors. More than 70% of our licensed professionals have either earned or are in the process of obtaining advanced professional insurance designations.

Using this knowledge we have created unique products and risk management techniques for contractors. We don’t just insure one or two we have people dedicated to contractors. They’ve spent time in the field to get an understanding of how your business operates. Already understanding what you do allows us to spend more time learning your specific needs so we can tailor a risk reduction plan just for you.

  • Electrical Contractors
  • Concrete Contractors
  • Excavating Contractors
  • General Contractors
  • Dry Wall Contractors
  • Heating and Air Conditioning Contractors
  • Plumbing Contractors
  • Landscape Contractors
  • Pool and Spa Dealers and Installers
  • Carpentry Contractors
  • Painting Contractors
  • Roofing Contractors
  • Water and Sewer Contractors
  • Street and Road Contractors
  • Home Builders
  • Insulation Contractors

Health & Fitness

Maintaining a healthy lifestyle and regular exercise are key components to a long life. As our society embraces these ideals, the number and types of businesses providing these services continues to expand. At Rue Insurance, we recognize that not all fitness and wellness studios are alike. It is important to work with an expert that can assist in identifying and explaining the unique risk exposures that health and fitness organizations face. Our expertise spans a wide range of businesses that fit within this category and we represent a number of special programs designed to meet the needs of those varied businesses.

Whether you operate a personal training studio, martial arts dojo, or multi-site fitness and athletic club, Rue Insurance has the capabilities to offer a comprehensive insurance and risk management program. Through relationships with multiple carriers, we can offer coverage for challenging exposures such as professional liability, abuse and molestation, and accident and health. The types of organizations we represent include:

  • Health and Fitness Clubs
  • Athletic Clubs & Fields
  • Racquet Clubs
  • Gyms
  • Golf Courses
  • Swim Clubs
  • Day Spas
  • Massage Therapy
  • Barber Shops
  • Beauty Salons
  • Nail Salons
  • Studios
  • Group Personal Training
  • Yoga
  • Dance
  • Pilates
  • Martial Arts

Contact us if you are opening a new facility, need specialized expertise or would like to learn more about the insurance alternatives available to health and fitness club owners.

Non-Profits

Doing more with less while advancing their mission is the constant challenge facing non-profit organizations. Our goal is to support those efforts by relieving the burdens associated with insurance.

Just as non-profits champion unique causes, their insurance program should be customized based on their needs. Our Non-Profit Service Team has the expertise to protect your organization’s assets and the specialized services to reduce your risks and control your costs.

Whether you run a private foundation or a multi-state client service organization, our team has the experience to provide proper advice and counsel. Our multiple carrier relationships enable us to offer alternatives for difficult to place risks and challenging coverage lines such as professional liability and abuse and molestation. The types of organizations we represent include:

  • Programs for the Developmentally Disabled
  • Programs for the Mentally Disabled
  • Homeless Shelters
  • Boys and Girls Clubs
  • Big Brothers and Big Sisters Organizations
  • YMCA’s or YWCA’s
  • Childcare Organizations
  • Adoption Agencies

Through the use of our Rue Risk Services Department, we are able to deliver web-based and onsite training classes, safety committee programs, standardized checklists and procedures, and other services to safeguard your organization against a mission ending loss.

Physicians & Healthcare Organizations

The challenges faced by physicians and healthcare organizations seem to increase daily. Reimbursements from health insurance providers and Medicare are constantly under pressure while costs and complexities continue to rise. With all of these changes and uncertainty, it is important to work with an advisor that has the knowledge to ease the complexity of insurance and the experience to provide the coverage alternatives needed at an affordable price.

At Rue Insurance, we help more than 250 physicians and related health care organizations protect their valuable assets. Our Healthcare Service Team has the expertise and preferred carrier relationships to identify the appropriate coverage and take advantage of the proper credits. This multi-specialty team consists of experts in P&C, malpractice, health insurance, personal protection and life and LTD, so that you can resolve all of your insurance needs within one office. The types of organizations that come to Rue Insurance for advice include:

  • Allied Healthcare
  • Assisted Living Facilities
  • Hospitals
  • Independent Physician Associations
  • Medical Labs
  • Physicians and Physician Groups
  • Surgical Centers

Contact us if you are a new physician looking to build a path of future protection or an experienced professional hoping to resolve gaps in coverage due to the ever-changing legislative environment.

Public Entities

Rue Insurance has long been a pioneer in the challenging environment of insurance for Public Entities. Our knowledge, insight and relationships have led to the creation of specialized joint insurance funds (JIF’s) that have resulted in coverage enhancements and long term pricing consistency and reduction for our clients. We also offer alternatives to the JIF marketplace, so that our clients are able to meet the fiduciary requirements placed upon them. Providing a program that satisfies the diverse needs of the many constituents of organizations serving the public is our expertise.

In conjunction with our Rue Risk Services Department, we have helped our Public Entity clients with claims analysis, trend identification, contract reviews, and coverage comparisons. Our experience and expertise ensures that our clients receive the safety credits that they deserve and the advice that they expect.

Types of organizations we help Be Ready include:

  • Boards of Education
  • Charter Schools
  • Fire Departments and Districts
  • First Aid Squads
  • Municipalities
  • Public School Districts

Technology

Technology is constantly evolving and so are the insurance products and services offered by Rue Insurance to the technology industry. From emerging risks to legal trends, our proven 4-step process assists technology companies in identifying and managing the professional and general liability exposures they face everyday.

Rue Insurance provides Be Ready services and expertise to the following technology segments:

  • Telecommunications Companies
  • Information Technology Companies
  • Medical Technology Companies
  • Electronics Manufacturing Companies

In partnership with our many insurance carriers, we also offer the following insurance products:

  • Technology Errors & Omissions Liability
  • Network and Information Security Liability
  • Communications & Media Liability
  • Cyber Liability
  • General Liability
  • Property including Computer Systems Coverage
  • Automobile
  • Workers Compensation
  • Umbrella
  • International Insurance

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