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Our Process

Custom-tailored insurance, risk management, and safety solutions.

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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.

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

Our Continuous 4-Step Process Helps Ensure That You Are Prepared For The Unexpected.


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 a standard four-step process that helps to ensure that 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 four-step process is not a singular event; it is an ongoing system that can decrease operating costs and fosters long-term relationships.


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 helps to ensure that our clients are Ready should an incident occur.

If there’s anything else you need to know about business insurance, contact us today.

Carla and Danielle Working Together at Their Desks

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Our certified safety experts are available to help design a comprehensive safety plan or custom training program.

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