Partial List of Products Offered

Business Coverage General Liability Property Workers' Compensation Business Automobile Systems Breakdown Professional Liability Surety Bonds Aviation Inland and Wet Marine Group Health, Disability, and Life Business Perpetuation Plans

Family and Individual Homeowners Automobile Umbrella Liability Boats/Yachts Valuable Articles Life Health Disability

We are licensed on the following states:

General

• Account/Prospective Client Review
• Cash Flow Ramification Analysis
• Certificates of Insurance
• Competition for your Business
• Comprehensive Coverage Review (PS-4)
• Comprehensive Safety/Risk Management Review (PS-4)
• Contract & Lease Analysis
• Establish Time Frame for Process of Quoting
• Group Health & Life
• Marketing Companies
• Nationwide/Midwest Affiliations
• Non-standard Unusual Employees Coverages Availability
• Offering of Other Coverages
• Periodic Touches
• Pre-Construction Rate Estimates
• Property Rate Analysis
• Report of Results of Quoting
• Ruhl & Ruhl will be your Risk Manager ("We" Attitude)
• Standardized Carrier Submissions
• Umbrella Analyzer
• Visits to Carriers
• We Demand Visits by Underwriters

Full Service Agency

• Accompany Carrier Representatives
• Accuracy of Classifications
• Agency Perpetuation
• Avoid Audit Surprises
• Can Provide for all your Insurance Needs
• Client Satisfaction Surveys
• Involved in Insurance Community
• Midwest Underwriters
• 142 Years Strong
• Preferred Agency Status
• Pro-Active Carrier Appointments
• Review Workers' Compensation Losses before NCCI Filings
• Specialization
• Verification of Modification
• Was/is Premium Comparison
• We Agree as to the Services you Want
• We Don't Just Duplicate and "Bid"

Loss Control

• Attendance at Safety Meetings
• Loss Control Experts
• Monitor Promises
• Safety Video Tapes
• We are your Middleman

Professional Staff

• Education
• Team Concept
• Underwriting Manager

Claims

• Claim Coordination
• Investigate Prospective Employees' Prior Claims
• Monitor Claims
• Monitor Reserves
• Pro-Active Claims
• Questionable Claims