Ruese Insurance

What Ruese Insurance does

Ruese Insurance Group is an independent insurance agency operating across three wholly-owned offices in Ohio's Miami Valley (Sidney, Piqua, Fort Loramie), serving individuals, families, small businesses, and farm operators since 1886. The group consolidates three legacy agency brands — Ruese Insurance Agency, McColloch-Baker Insurance Service, and Ratermann Insurance Agency — under a unified platform whose stated mission is providing face-to-face service to local communities.

The core technology is a traditional independent agency distribution platform: nine carrier partnerships (Acuity, UFG, Celina, Cincinnati, Westfield, Auto-Owners, Liberty Mutual, Safeco, Progressive) accessed through each office, supplemented by online quote request forms, a company blog, and organic social channels (Facebook, Instagram). Product lines span business insurance (with restaurant, contractor, and manufacturing specializations), home, auto, farm, and life coverage. There is no proprietary software, AI capability, or app product in the offering; customer-facing digital touchpoints are limited to quote forms and carrier-portal payment/claim links.

Revenue is generated through standard insurance agency commissions on policies placed across the carrier book, with pricing quote-based and monthly billing. The firm is privately held by its operating partners (President Rudy Keister; Chad Graeser joined as partner in February 2025), with no venture or institutional capital and no funding history. Recent activity centers on succession planning, community engagement (scholarship and food drive programs), and trade recognition (Big "I" Best Practices Agency 2025; Westfield Top Performing Agency 2022).

Name

Ruese Insurance

Legal name

Ruese Insurance Group

Website

https://rueseinsurancegroup.com

Company type

Private

Founded year

1886

Operating status

Operating

Headcount range

11–50 employees

Short description

Ruese Insurance Group is an independent insurance agency operating three Ohio locations since 1886, serving individuals, families, small businesses, and farms through partnerships with nine regional and national insurance carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Sidney

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Agency Services: Revenue generated through commissions from insurance carrier partnerships. The agency represents multiple insurance companies and earns commissions on policies placed for customers seeking coverage in business, home, auto, farm, and life insurance lines.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Ruese Insurance Group is an independent insurance agency network that sells business, home, auto, farm, and life insurance products to individuals, families, and businesses in Ohio's Miami Valley. It places coverage through partnerships with eight-plus carriers (Acuity, UFG, Celina, Cincinnati, Westfield, Auto-Owners, Liberty Mutual, Safeco, Progressive) and operates from three community offices in Sidney, Piqua, and Fort Loramie, providing personalized face-to-face service.

Product overview

Ruese Insurance Group is an independent insurance agency network offering a unified portfolio of insurance products through three agency brands. The group provides core insurance lines including Business Insurance (with Restaurant, Contractor, and Manufacturing specializations), Home Insurance, Auto Insurance, Farm Insurance, and Life Insurance. The three agencies—Ruese Insurance Agency in Sidney, McColloch-Baker Insurance Service in Piqua, and Ratermann Insurance Agency in Fort Loramie—operate together under one mission to deliver face-to-face insurance services to west-central Ohio communities.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Insurance Commercial insurance coverage for businesses, including specialized policies for restaurants, contractors, and manufacturing operations. Marketed to local small businesses in Ohio's Miami Valley through the agency's three offices and online quote forms.
• Restaurant Insurance Specialized insurance coverage designed for restaurant operations, addressing the unique risks faced by food service businesses. A sub-line of business insurance targeted at local restaurant owners in Ohio's Miami Valley.
• Contractor Insurance Insurance coverage tailored for contractors and construction professionals, addressing business liability and property risks specific to the trades. A sub-line of business insurance offered through the agency's carrier partnerships.
• Manufacturing Insurance Insurance solutions designed for manufacturing businesses, covering equipment, liability, and operational risks. A sub-line of business insurance for manufacturing operations in west-central Ohio.
• Home Insurance Coverage for homeowners including protection for property, liability, and related risks. Quote options include home, renter, flood, mortgage, earthquake, and identity fraud coverage. Marketed to homeowners and renters in the Miami Valley region.
• Auto Insurance Vehicle insurance coverage including car, motorcycle, truck, RV/motorhome, and ATV insurance. Placed through multiple carrier partners such as Progressive, Auto-Owners, Liberty Mutual, and Safeco.
• Farm Insurance Agricultural insurance covering equipment, liability, livestock, theft, and property for farm operations. A specialized offering emphasized at the Ratermann Insurance Agency office in Fort Loramie.
• Life Insurance Life insurance coverage to protect families and businesses against financial loss due to death. Sold to individuals and business owners across the agency's service area.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core.

• Acuity InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner represented by Ruese Insurance Group. Customers can access Acuity products and make payments or claims through Ruese agency locations.
• UFG InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage options through Ruese Insurance Group's agency network.
• Celina InsurancecoreChannel Partner/ Reseller/ DistributorRegional insurance carrier partner offering products through Ruese Insurance Group locations.
• Cincinnati InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner. Ruese Insurance Group awarded $1,000 donation to New Choices Inc. through Cincinnati Insurance's President's Club program.
• Westfield InsurancecoreChannel Partner/ Reseller/ DistributorSuper-regional insurance carrier that recognized Ruese Insurance Agency as a Top Performing Independent Agency in 2022.
• Auto-Owners InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner providing coverage through Ruese Insurance Group agency locations.
• Liberty MutualcoreChannel Partner/ Reseller/ DistributorNational insurance carrier partner available through Ruese Insurance Group.
• Safeco InsurancecoreChannel Partner/ Reseller/ DistributorInsurance carrier partner (Liberty Mutual subsidiary) available through Ruese Insurance Group.
• Progressive InsurancecoreChannel Partner/ Reseller/ DistributorMajor insurance carrier partner available through Ruese Insurance Group locations.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Direct peers

• RPS (Risk Placement Services): Wholesale and retail independent insurance distribution platform offering multi-carrier placement for personal and commercial lines; comparable to Ruese in agency distribution model, though it spans wholesale too.
• Kapnick Insurance Group: Independent insurance agency providing business, personal, and employee benefits products through carrier partnerships; structurally identical to Ruese — multi-line, multi-carrier, face-to-face service model.
• The Hilb Group: Independent insurance agency roll-up with personal, commercial, and life lines; operates as a multi-carrier intermediary similar to Ruese and competes for the same SMB and household clients in regional markets.
• Leavitt Group: Large network of independent insurance agencies operating across multiple US regions; directly comparable to Ruese as a multi-carrier independent agency model, though at substantially greater scale.
• Heffernan Insurance Brokers: Mid-market independent insurance brokerage offering business, personal, and benefits lines via multiple carrier partnerships; comparable to Ruese in multi-carrier distribution and SMB focus, but with broader geographic reach.

Others

• Westfield Insurance: Super-regional P&C carrier that publicly recognized Ruese as a Top Performing Independent Agency; comparable as a carrier counterpart whose distribution strategy depends on independent agencies like Ruese.
• Acuity Insurance: A key carrier partner represented by Ruese; comparable as a Midwest-focused property/casualty insurer with strong independent-agency distribution alignment to Ruese's own model.
• Independent Insurance Agents of Ohio: State-level trade association for independent insurance agencies in Ohio; an industry-ecosystem peer reflecting the regulatory and trade environment in which Ruese operates.

Regional players

• Erie Insurance: Mid-Atlantic/Midwest P&C carrier that distributes primarily through captive agents; comparable to Ruese in geographic focus on the Midwest and in selling through an agent-mediated channel, though with a captive rather than independent agency structure.

Broad incumbents

• Brown & Brown: Large publicly traded insurance brokerage with extensive independent agency operations; comparable as a multi-carrier insurance intermediary but at vastly greater scale and geographic breadth than Ruese.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/144569495649901
• LinkedInlinkedin.com/company/ruese-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ruese Insurance