Essential coverages

• General liability, including products and pollution all in one policy, which is important at the time of a claim
• Automobile, including pollution liability
• Combined General Liability and Pollution liability umbrella policy
• On- and off-site pollution coverage for loss, clean up, and legal defense
• Property in transit with pollution clean up
• Workers’ Compensation
• Chemical facility pollution legal liability
• Service interruption, direct and indirect
• Additional insured for where there are written contracts
• Employment practices liability
• Cyber liability
• Earthquake and flood

Critical issues

• An ongoing, professional loss control and prevention program
• Safety training program
• Developing a long-term working relationship with a broker and carrier since insurance carriers are hard to find in this industry, and claims made coverage makes it difficult to change carriers
• Insurance carrier response time on claims, including obtaining and coordinating direct phone numbers for managers and supervisors
• Accident investigation from the standpoint of claims and loss control

Questions insurance agents often fail to ask

• What is your emergency claims procedure?
• Do you have a direct 24/365 phoneline with a company representative?

Rueter Insurance assurance

Our approach is based on avoiding unintended consequences by recommending the correct coverages at a competitive cost. We accomplish this objective through attention to detail, asking the right questions, and aligning your account with the right insurance company.