In operation since 1862, Ruhl & Ruhl offers a selection of risk management and insurance programs for clients in the commercial and personal sectors in the United States. The firm provides property, aviation, workers' compensation, business inland and wet marine, and professional, umbrella and general liability insurance solutions. It also offers group health, disability and life coverage solutions. Ruhl & Ruhl provides access to business perpetuation plans and surety bonds. In addition, the firm offers insurance plans for homeowners, automobiles, boats, yachts and valuable articles. It provides cash flow ramification analysis and coverage review solutions. Ruhl & Ruhl offers programs from several insurance agencies.