Be Ready With

Rue Insurance

Helping our clients protect their assets and improve their profitability for over 100 years.

Request an Evaluation

Ensuring you are prepared for the unexpected.

Our Four-Step Process

We operate in a constantly changing business and regulatory environment. A haphazard approach to insurance leads to gaps in coverage, inappropriate limits, and higher costs. At Rue Insurance, we have instituted this process to ensure your insurance needs align with your changing business.

The purpose of our risk reduction approach for business risks and total benefits approach for employee benefit programs is to minimize your total cost of risk and improve your profitability. Our process is an ongoing system that can help decrease operating costs and fosters long-term relationships.

Rue-Insurance-Process
Discover

We continually take an in-depth look at your situation. We don’t just build on an existing program, we start from square one. A thorough and complete review of the company is the ideal way to discover potential risks.

Design

The discovery phase uncovers the information necessary to create a custom program for your business. This program will be designed to manage the risks your business may encounter.

Implement

Rue executes a plan of action tailored to your business. When followed throughout the year, this plan allows for an efficient approach to meeting defined goals and deadlines relevant to your company’s success.

Monitor

We refine the plan of action on a regular basis. Our continued involvement and interest in your success displays our dedication to you—long-term. Too often, gaps are perpetuated due to lack of communication and review.

Business Insurance
Risk Purchasing Groups
Employee Benefits
Personal Insurance

Family Ready. Business Ready. Life Ready.

Be Ready With Rue

Rue Insurance has been helping clients protect their assets and improve their profitability since 1917. Our goal is to provide advice, consultation, and insurance products to protect and safeguard what matters most to our clients.

Rue Insurance has grown from a single coverage operation into a regional leader in risk and asset protection. We now serve the insurance needs of over 8,000 clients with multiple lines of coverage in 44 states. Learn more about Rue Insurance.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Risk Management

Risk Management

Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.

Solution

Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.

Compliance

Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.

Solution

There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training

Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.

Solution

Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements

Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.

Solution

Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving

Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.

Solution

Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards

Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.

Solution

While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.

Technology

Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.

Solution

Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

Risk Management 101

Make sure you cover the unique risks you face with risk management solutions.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for employee benefits and private client insurance.

Real clients. Real reviews. Real coverage.

Trusted Solutions

Check out our reviews and see why you should switch to Rue Insurance.

Read Our Facebook Reviews
Read Our Google Reviews
Read More Reviews

The independent agency difference.

Why Choose Rue Insurance?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Request an Evaluation
Remarkable

A unique, non-traditional approach to insurance.

Easy

A single source for all insurance product needs.

Advisors

A comprehensive, 4-step process to identify and manage risk.

Dependable

A local institution for over 100 years.

You (Our Clients)

A custom solution because it’s all about your needs.

Rue Insurance - Logo 800

Manage Your Account Now

How can Rue Insurance help?

24/7 Client Center
Report a Claim

Get support in filing your claim.

Policy Change

Fine tune your policy options.

Request Certificate

Get proof of your insurance quickly.

Auto ID Card

Lose your card? Get a new one.

Pay Bill

Make payments securely online.

Policy Review

Compare your coverage with your current needs.

  Contact Rue Insurance

We’re here to provide the advice you need to protect what matters most.

  • This field is for validation purposes and should be left unchanged.

Hamilton Township, NJ

3812 Quakerbridge Road
Hamilton Township, NJ 08619

We offer insurance solutions throughout NJ and PA with a focus in Mercer, Bucks, Burlington, Middlesex, Monmouth, Ocean, and Somerset counties. We are also licensed in NY, DE, and most other states across the country.

Contact Us