Chemical & Petroleum Manufacturing

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An industry-specific understanding is essential for properly protecting a chemical manufacturer’s assets. This is why it’s important to have the right insurance broker and insurance company.

It requires experience in identifying exposures and knowledge of exclusions to design innovative and cost-effective insurance programs.

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.

A client tells the story

“Joe stays involved.”

Joe Rueter has been our insurance agent for 10 years. He’s extremely thorough and that’s why I’m confident our policy has my back.

When he took over the account, he found holes in our coverages. Our previous agent hadn’t asked questions and it turned out that we were grossly underinsured.

Joe doesn’t just show up once a year, he stays involved so he stays current with our business.

His staff is professional and really knows our account. At renewal time, Joe’s proposal is always early, so I never feel rushed and have time to review it.

I don’t take making referrals lightly, but I never worry when recommending Joe Rueter.

– Robert Chabot, Owner, EPIC Industrial, Inc., Alpha, NJ