Business Insurance

Rue offers custom insurance programs for businesses in a number of industries and locations. Our 4-step risk reduction process helps to decrease your total cost of risk and make your company more attractive to the insurance marketplace. This process assists in placing you with an excellent insurance company, which can have a positive impact on your profits. Whether it’s the traditional or alternative markets, Rue has the experience and expertise to help you protect your assets.

Whether you run a two person office or own a manufacturing plant with a thousand employees, our 90 years of sound business insurance experience gives us a special perspective on the types of coverage you need to meet your insurance goals. Rue Insurance offers a wide range of outstanding business insurance products.

Business Protection includes:

  • Automobile
  • Bonds
  • Business Owners
  • Directors & Officers
  • Employment Practices Liability
  • Excess Liability
  • Medical Professional
  • Network Security
  • Privacy Liability
  • Professional Liability
  • Property
  • Umbrella Liability
  • Workers Compensation

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 over 100 years.

Using advanced technology and consulting expertise, we offer a variety of professional services to our clients. These services help to 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.

Risk Reduction Approach

Our Risk Reduction Approach is a unique process, the purpose of which is the creation of a Plan to control and reduce your total cost of risk and make your company more attractive to the insurance marketplace. This process can lower administrative costs, increase employee morale, and improve profitability. When we discuss Total Cost of Risk, we mean those risks that you are paying for now or have the potential of paying in the future. Examples include:

  • Unexpected out-of-pocket deductible expenses
  • Time and money spent performing the duties of an injured worker
  • Loss of income due to a vehicle taken off the road following an accident
  • All the issues dealing with relocation costs incurred after damage to your building
  • Fines and frustrations from regulatory authorities
  • The time and hassle spent dealing with claims adjusters and attorneys

All of these costs can be reduced, and possibly eliminated, with our Risk Reduction Plan. In addition, our Process will help your company become more attractive to the insurance marketplace, which may directly lead to lower insurance premiums.

Our Process


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


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.


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.


Rue will refine the plan of action on a regular basis. Our continued involvement and interest in your business’ success displays our dedication to building a long-term relationship with you as our client. Too often, we find that mistakes and coverage gaps are perpetuated due to lack of communication and review. Our process ensures that our clients are Ready should an incident occur.