Rue Risk Services. That’s what separates Rue Insurance from other brokers. We are able to offer a level of service and expertise unmatched by others in the industry. We provide individual attention and the expertise of being in the insurance business for almost 100 years.

Using advanced technology and consulting expertise, we offer a variety of professional services to our clients. These services reduce our clients’ costs, increase efficiency, and improve employee satisfaction. We recognize that some businesses require specialized services, and that’s why we have created specific tools to help reduce the unique risks particular to your industry.

Business Insurance Services

Audit Assistance

We help to make sure that your payrolls and classifications truly reflect your business activities. We will also assist you in the preparation of documents to ensure that you are ready for your meeting with insurance auditors. Our clients benefit through fewer surprises and better pricing.

Workers' Compensation Experience Modification Review

Workers Compensation Experience Modification Factors are prone to errors. Using past audits and currently valued loss runs, we can help our clients identify inaccurate calculations and fight for premium returns for past mistakes.

Safety Guides

Our comprehensive guides can assist your organization in implementing safety measures that will reduce risks, lower claim incidents, decrease claim severity and ultimately result in lower insurance premiums. Some examples of our guides include: Fleet Safety Guide, Safety Committee Credit Guide, and Return to Work Manual.

Disaster Planning

Disasters can strike with limited or no warning and how you respond is critical in determining whether or not your business will survive. Our advisors can help you develop a Business Continuation Plan to Be Ready for that unexpected occurrence.

Loss Prevention / Loss Control Information

Utilizing online loss control resources, we can provide your organization with a custom program to prevent and mitigate losses.

OSHA Assistance

Mock OSHA inspections, online OSHA 300 Logs, and OSHA 10-hour courses are just a few of the many OSHA compliance services we offer.

Construction Toolbox Talks

We provide monthly Safety Tips on timely issues for our construction clients to use during Toolbox Talks with their employees.

Camera Accident Kits

When an accident does occur, immediate responses can reduce future costs. Our low-cost Camera Accident Kits contain everything needed to properly document accidents at the time of an incident.

Contract Reviews

We review the insurance sections of contracts and advise of clients is their current protection covers them or if additional insurance is required. We will also assist in the communications with third parties if we feel the insurance terms are too onerous or extreme.

Comprehensive Claim Reviews

We do a comprehensive review of Workers Compensation, General Liability, Property and Auto Liability claims to identify loss drivers, analyze reserves and calculate loss ratios. Reviewing these results can lead to a whole new perspective in risk analysis. We are able to provide our clients with loss prevention and long-term risk reducing solutions to manage their total cost of risk.

24/7 Claims Service

We are available 24 hours per day, 7 days per week at 800-272-4RUE. Our Claims Department ensures that you receive the payments you deserve at the time when you need them the most.

Back to the top

Employee Benefits Services

Toll-Free Benefits Assistance

Charting the maze of employee benefits rules and requirements can be confusing. Whether you or your employees have plan design questions, billing issues or claims problems, our in-house experts have the solutions.

Wellness & Education Programs

Benefit plans are only valuable if employees know how to use them. Our annual enrollment meetings, wellness calendars, and educational brochures ensure that your employees understand the benefits you offer.

Employee Benefits Program Audit

We will provide a complete review of your current insurance program to uncover any gaps in coverage or compliance.

Employee Benefits Statements

Using our complementary Employee Benefit Statements, employers are able to easily and accurately show the total cost of employment to their employees.

Legislative Guides

Our easy-to-read Legislative Guides provide overviews of federal legislation. You’ll receive answers to common questions, recent news, and approved forms related to COBRA, HIPAA, HIPAA Privacy, FMLA, and Section 125 administration.

Human Resources Templates

Maintaining compliance with human resources laws and regulations can require a substantial investment. Our standard templates for key HR requirements, such as employment applications, handbooks and disciplinary procedures can significantly reduce your investment.

MyWave Portal

Keeping your insurance information organized can be a daunting task. Our Internet-based service provides you with one location for all of your insurance needs.

24/7 Claims Service

We are available 24 hours per day, 7 days per week at 800-272-4RUE. Our Claims Department ensures that you receive the payments you deserve at the time when you need them the most.

Human Resource Services

Employee Handbook: Sample policy statements to consider including in employee handbooks.
Hire Ready Guide: focuses on hiring considerations for employers relating to Workers Compensation issues.
New Employee Hiring Kit

Back to the top

Personal Insurance Services

Toll-Free Benefits Assistance

We don’t work for an insurance company, we work for you. With Rue, you will have the benefits of personalized service and expert advice from our licensed professionals.

Household and Personal Property Inventory Assistance

Household inventories are important for many reasons including deciding how much insurance to carry. Our "How To" guide makes this daunting task more manageable.

Driver Programs and Defensive Driving Course Assistance

We can help you find courses in your area that could remove up to two points from your license and perhaps qualify you for an insurance rate reduction.

Identity Theft Assistance

Identity theft is the fastest growing crime in American today. We can help you avoid identify fraud as well as provide assistance if you are a victim of identity fraud.

24/7 Claims Service

We are available 24 hours per day, 7 days per week at 800-272-4RUE. Our Claims Department ensures that you receive the payments you deserve at the time when you need them the most.

Back to the top

Please note, not all services apply to all companies.

Contact Us Today

3812 Quakerbridge Road
Hamilton, NJ 08619
Toll-Free: (800) 272-4783