Business Insurance

Business Insurance isn’t a "one size fits all" solution. We strive to provide outstanding customer service to all of our clients and have the ability to provide insurance to any business type. Below is a brief list of some of the business types we insure, but in no way is a full list of the types of business we can cover.

Architects & Engineers

We tailor an insurance policy for firms that offer architectural, engineering, structural, environmental, land surveying or landscape architectural services against claims or allegations of professional negligence on the part of the business owner or the firm’s employees.

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Aviation

We have the ability to put together the best policies for those who manage fleets of planes, run a flight school or those who simply own a few planes.

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Bonding

Bonding is often confused with insurance—bonds are financial instruments that guarantee required performance of some kind.

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Builder’s Risk

Builder’s risk insurance is specifically designed to protect against property loss to buildings and structures while they are under construction.

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Non Profits

Directors and officers of nonprofit organizations can be held personally liable for their decisions on the board, even if the nonprofit is incorporated.

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Consultants

Business consultants are exposed to a variety of business risks, for which they could be sued or lose substantial value as a result of a claim.

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Finance & Business Professionals

Whether your business is in finance, accounting, or some other business professional, you have some risks associated with performing your professional services.

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Health & Beauty

Whether you work out of your own facility, at the client’s home or engage your clients with video conferencing, here are some different types of insurance coverage you’ll need to make sure your business and your clients are fully protected.

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Management Professionals

Although jobs in the management professional industry can be extremely varied, they all have one thing in common: they all face risks that insurance can mitigate.

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Media Professionals (Tech)

All of these media professionals face risks every day in the course of their work, and insurance is the most effective, efficient way to mitigate some of those risks.

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Personal Trainers & Fitness Instructors

Whether you work out of your own studio or gym, go to your clients’ homes, or use video conferencing, there are different types of insurance coverage you will need to protect yourself and your clients.

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Pharmacists

As a pharmacist, your line of work is high risk and extremely unique, which is why you need an insurance policy that is specifically made for your industry.

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Photographers

Photography and videography equipment is expensive, and losing it to theft, accident, or damage could be catastrophic whether you’re a professional or an amateur.

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Yoga Instructors

Whether you run your own yoga studio, or you’re an individual yoga teacher, there are several different types of insurance coverage that you will need in order to protect yourself and your equipment.

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Cyber Insurance

We are pleased to announce its all-new PrivaSure data privacy and network security insurance policy that includes enhanced liability coverage, comprehensive breach response coverage, and extensive service provider resources. As cyber risks evolve, this important coverage has never been more critical.

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Real Estate Agents

You should consider this coverage if you are an independent real estate broker or salesperson with direct client contact (i.e. run open houses and perform showings) who is contracted with a brokerage that has not specifically provided for CGL coverage for you.

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Why Our Clients Choose Us

We understand that no two businesses are alike, so we focus on tailoring a specific insurance policy just for your business. We work hard to make the buying process simple and efficient for our clients. Every client is important to us, no matter the size - we have a wide range of insurance markets available so let us do the shopping for you.


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Why Ruban

Our Mission

Since 1988, we have provided Risk Management Services and General Insurance Programs to businesses and professional associations of all sizes. Our mission is to provide our clients with the highest level of professional service, backed by industry-leading insurance products and ongoing, reliable support.

The staff are very professional and knowledgeable. Service is great, and strongly reccommend them for all your insurance needs.