Reuben Dourte

6 posts
Reuben Dourte is an account executive at Ruhl Insurance in Manheim, PA where he specializes in farm and agribusiness insurance risks. He received his Accredited Advisor in Insurance designation in 2015.
workers' compensation
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Do I Need Workers’ Compensation Insurance If I’m Self-Employed?

Workers' compensation insurance: the three words that give many employers a sudden anxiety attack. There are plenty of things to worry about beyond just the costly nature of this mandatory insurance coverage, including compliance, audits, independent contractors, claims management, safety committees, and the list goes on. The question arises, what about those business owners who chose...
business insurance
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3 Things Entrepreneurs Need to Know About Business Insurance

Many entrepreneurs are the “big picture” people among us; they have that rare combination of dreamer and doer. As such, most of the calls I get from entrepreneurial clientele is after they have started up their new business and, as it grows, they realize they are going to need some sort of insurance policy. Insurance...
cyber liability
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Protect Your Business from the Emerging Risk of Cyber Liability

Cyber liability insurance is a relatively new product in the insurance marketplace. While its prevalence is rapidly expanding into a multi-billion dollar segment, most small business owners seem unconcerned with this liability exposure. Cyber liability insurance doesn’t usually cost an arm and a leg, but the costs associated with a breach can. For this reason, it’s a...
Workers' Compensation
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Workers’ Compensation Policy: Can Your Business Afford It?

For both small and large businesses alike, workers' compensation insurance can often account for the majority of insurance premiums each year. Every state has mandated requirements for employers and many states, like Pennsylvania, for example, afford employers common law defenses in exchange for carrying a compulsory workers' compensation policy. Still, many employers (incorrectly) approach workers' compensation insurance from...
Workers' Compensation
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7 Myths About Workers’ Compensation Insurance

Many small business owners dread the thought of investing in workers’ compensation insurance. As a business owner, it’s important to analyze expenditures to ensure your decisions are as cost-effective as possible. If your company is also an employer, however, workers’ compensation insurance is one decision that has likely been made for you, as most states...