Ruhl Insurance is a generalist and has clients across the board. We do have specialties in transportation risks, agribusiness risks, and in the vineyard and winery industry. These are some of the things we would consider to be our specialty, but we do handle clients across the board.
On the commercial side of things, Ruhl Insurance technically has two commercial departments - commercial insurance lines and farm insurance lines. A lot of agencies combine these into one department as a more generalist approach. Because Ruhl does have specialties in the farm insurance and agribusiness areas, it makes sense to separate them into two departments to handle that, especially given that we’re located in Lancaster County. We need to do that in order to better serve our clients.
Our clientele consists of all business sizes and revenues. We’ll handle clients anywhere from 40k per year to several million and more. The needs are different for different sizes of clientele and our consultative approach ensures we can successfully serve them all.