Products & Services
Partial List of Products Offered
Business Coverage Family and Individual
- 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
- Homeowners
- Automobile
- Umbrella Liability
- Boats/Yachts
- Valuable Articles
- Life
- Health
- Disability
Medical Malpractice
- Exclusive hospital program
- Access to all medical malpractice available to all Iowa and Illinois doctors
- Lawyers professional liability
We are licensed on the following states:
General
Account/Prospective Client Review
Periodically, the entire staff meets to analyze/critique current insurance programs of our clients or prospective clients. Recommendations are made to the client, if any.Certificates of Insurance
We can advise you as to the adequacy of certificates of insurance. This would include limits, additional insured clauses, cancellation provisions and carrier financial stability. Send us all of the certificates of insurance you want for an opinion. We will contact your supplier as to deficiencies…takes you out of the middle!Competition for your Business
We look at each renewal as a Ruhl & Ruhl competitor might. We look for gaps, loopholes, errors, etc. This assures your having as comprehensive of an insurance program as you want. Coverage is all that is reviewed, not pricing. This is a comprehensive coverage review, not merely a premium check.Comprehensive Coverage Review
With your permission, we can review coverage in detail with you. This would include coverage you currently have plus coverage you don't have but of which you may want to be aware. Buy them or not, it is your decision; an informed decision is better than an "oops".Comprehensive Safety/Risk Management Review
With your permission, we can review with you and/or your employee responsible for safety, some issues you may or may not be aware of or may be too close to. Maybe a fresh look by an outsider could point out areas you might address…"can't see the forest for the trees" situation.Establish Time Frame for Process of Quoting
On your behalf, we start early by contacting your insurer at least four months prior to renewal. Should we (you and Ruhl & Ruhl) both decide to market your program, we will do the specifications, operation narrative (approved by you) to analyze all of the quotes, discuss them with you and schedule visits to the carrier's offices, if you like.Offering of Other Coverages
In addition to standard property, liability, automobile and workers' compensation policies, we can offer umbrella, directors & officers, fiduciary liability, kidnap/ransom and employment - related practices liability (i.e., sexual harassment), to mention a few. Also, we advise you of available coverages and deductibles in your current program and you decide whether you want them or not. As long as you know their availability but decide not to buy them, our job is done.Property Rate Analysis
Ruhl & Ruhl can analyze your current published bureau loss-cost rates. Recommendations to lower your rates will be made. Many times an easy, inexpensive change will save you premium dollars.Ruhl & Ruhl will be Your Risk Manager ("We" Attitude)
You hire us as your consultant/employee to oversee your insurance program. We get paid to be your insurance buyer, looking our for your best interests, just as you expect from your employees, your accountant and your attorney.Standardized Carrier Submissions
We insists each prospective account be submitted to carriers in a uniform manner. So what? The underwriters agree our standards are very high and are much more willing to work on your account for Ruhl & Ruhl than another agency.Visits to Carriers
Ruhl & Ruhl has developed very strong relationships with its insurance carriers by making at least three annual visits to all carriers and Ruhl & Ruhl will do the wining and dining. This makes our closeness to the carriers superior. So what? By developing better relationships with them, we are better-able to get you a competitive, comprehensive insurance program.We Demand Visits by Underwriters
By bringing your underwriters to see you in person, both of us (your team) educate the company as to your operations. Maintaining relationships with our underwriters is very important. We have found this to be beneficial to our client's programs.
