The most cost-effective insurance program starts with a broker who knows your industry, has underwriting experience, and sees what others miss or ignore.

Joe Rueter is that broker. Here’s what Joe will do for you:

  1. Get personally acquainted with your business
  2. Design a custom insurance program protect your assets and save you money
  3. Lead an ongoing loss control program to reduce claims and continue to keep insurance costs down

Essential coverages

  • Building, including refrigeration equipment
  • Product recall
  • Business interruption, plus extra expenses
  • Utility interruption
  • Employee dishonesty and money and securities
  • Liquor liability with Assault and Battery coverage
  • Cyber liability with data breach
  • General liability with no tobacco products exclusion
  • Automobile liability for delivery and pickup
  • Contingent business interruption

Critical issues

  • Breakdown or ice and refrigeration units
  • Workers’ Compensation lifting claims
  • Hiring workers with pre-existing injuries
  • Loss of inventory due to stealing and robbery
  • Slip and falls

Questions insurance agents often fail to ask

  • Do you use any independent contractors?
  • Do you know that all employees, including family members, must be covered by Workers’ Compensation?
  • Do you have a backup generator? If so, credits are available.
  • Do you know you may qualify for dividend?
  • Are you a member of the Malt Beverage Distributors Association?
  • Does your insurance company give back to your trade association?
  • Do you belong to a local Business Commerce Association?
  • Do you have a Disaster Recovery Plan in place?

Rueter Insurance assurance

The Rueter Insurance approach avoids unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this through attention to detail, asking the right questions, and marketing your account to insurance companies that respect quality work.