Ruchman Associates provides property, casualty and employee benefits insurance products to a wide range of clients in many industries. We offer specialized expertise in several vertical business markets, including but not limited to:

Accounting Advertising Apparel Industries Architectural Entertainment Food Industries Healthcare Internet

Legal Services Main Street Businesses Manufacturing Industries Non-Profit Public Relations Real Estate Retail Wholesale Industries

Property and liability coverage

While almost every organization has a policy providing basic protections, we can help you select the correct coverages and limits for your individual situation.

Commercial auto

Insuring vehicles for your business can be considerable more costly than for your personal autos. You may have issues with violations and claims, the vehicles are used more often, and sometimes by many drivers. Yet the need for these vehicles is typically essential to the operation of your business, and you can't afford even a momentary lapse in coverage.

We can help you find the most cost effective coverage for your needs, from top rated carriers you can rely on.

Directors & Officers liability

Whether your organization is a public company, private concern or non-profit, your directors and officers may be the target of a lawsuit by investors, employees and others. Both the individual and the company may be held liable for actions or decisions made in managing the organization.

Every type of organization has its own unique exposures, with widely varying requirements for coverages and policy limits needed to protect individual and company assets.

Employment practices liability

Lawsuits alleging discrimination, sexual harassment, retaliation, wrongful discharge and other violations are rising, and the size of settlements are growing rapidly. This in turn is attracting more plaintiffs' attorneys, exacerbating the problem. Coverage may be purchased as part of a Directors & Officers policy, or as standalone coverage.

Access to the best carriers

To be most effective, Ruchman Associates represents many major insurance carriers who have a broad range of product portfolios and a well-earned reputation for quality and integrity. Using a computerized rating program, we are able to compare rates and coverage offered by various carriers and to select the best policy for each client. Constant computer updates keep us alert to discounts or special services that might benefit our clients. In a further effort to provide the best coverage while containing client expenses, Ruchman Associates will conduct a risk management review, examining options such as higher deductibles, and safety programs that can help to lower premiums.

Because of its tenure in the industry, Ruchman Associates has established a sterling reputation among insurance companies. We use our good standing to our clients’ benefit, leveraging our position in the industry to negotiate the best terms possible.

To find out more information on how we can help insure your business or to obtain a quote, contact us by phone at (516) 764-8330 or by email info@ruchmanins.com