Ruhl & Ruhl Insurance

What Ruhl & Ruhl Insurance does

Ruhl & Ruhl Insurance is a multi-line insurance brokerage firm founded in 1862 and headquartered in Davenport, Iowa. The company operates as a regional brokerage serving Eastern Iowa and Western Illinois, offering business insurance, employee benefits, personal insurance, retirement services, and risk management consulting. Its product portfolio spans standard P&C lines (commercial property, general liability, commercial auto, workers' compensation, professional liability, surety bonds, business interruption), employee benefits services (healthcare cost management, voluntary benefits, strategic benefits planning, benefits communication), and personal lines (auto, homeowners, renters, condo, personal umbrella, high net worth).

In August 2014, Ruhl & Ruhl Insurance was acquired by HUB International (NYSE: HUBG), a global insurance brokerage, and now operates as HUB International Davenport. The acquisition merged 150+ years of regional brand equity and client relationships with HUB's global carrier network, specialty product capabilities, and risk engineering resources. The business model is commission-based brokerage, with revenue generated from insurance carrier commissions on placed policies plus fees for risk management consulting and employee benefits administration. The go-to-market is sales-led, delivered through a single local office at 212 Brady Street, Suite 4B, complemented by HUB International's corporate content marketing and email newsletter channels.

The company is a wholly-owned subsidiary of HUB International Limited, a publicly traded parent corporation domiciled in the United States. No headcount, revenue, or management team data is disclosed at the office level. The supplied data provides no evidence of proprietary technology, AI/ML capabilities, APIs, or product launches originating from the Davenport office itself.

Name

Ruhl & Ruhl Insurance

Legal name

HUB International Limited

Website

https://ruhlins.com

Company type

Public

Founded year

1862

Operating status

Operating

Short description

Ruhl & Ruhl Insurance is a multi-line insurance brokerage founded in 1862 in Davenport, Iowa, serving Eastern Iowa and Western Illinois with business, personal, and employee benefits coverage. Since August 2014, it has operated as HUB International Davenport, a wholly-owned subsidiary of HUB International (NYSE: HUBG).

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Large Commercial Package (National Accounts) (FSAJAFAC)

akta.pro secondary industry

Retail (Personal Lines) Insurance Brokerage (FSAEADAA)

Keywords

• Insurance brokerage
• Business insurance
• Personal insurance
• Employee benefits
• Risk management

Headquarters

HQ city

Davenport

HQ country

United States

HQ region

North America

Offices1 record

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 Brokerage and Risk Management Services: As an insurance brokerage firm, the company generates revenue through commissions from insurance carriers for placing business and personal insurance policies. Additional revenue comes from risk management consulting services and employee benefits administration.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels2 records

Core offering

Ruhl & Ruhl Insurance, operating as HUB International Davenport, is an insurance brokerage placing business, personal, and employee benefits insurance policies on behalf of multiple carriers for clients in Eastern Iowa and Western Illinois. The firm also provides risk management consulting, benefits design, and claims advocacy support, leveraging the broader HUB International platform while maintaining local, relationship-based service from its Davenport office.

Product overview

Ruhl & Ruhl Insurance, now operating as HUB International Davenport, is an insurance brokerage offering a comprehensive portfolio of insurance products and services organized across five main categories: Business Insurance (including Professional Liability, Workers' Compensation, Business Owners Policy, Commercial Property, General Liability, Business Interruption, Commercial Auto, and Surety Bond Insurance), Employee Benefits (covering Employee Health and Performance, Voluntary Benefits, Strategic Benefits Planning, Healthcare Cost Management, and Benefits Communication), Personal Insurance (featuring Renters, Condo, High Net Worth, Personal Umbrella, Auto, and Homeowners coverage), along with Retirement Services and Risk Services. The firm serves Eastern Iowa and Western Illinois markets with personalized risk management and insurance solutions.

Differentiator

Problem solved

Functional benefit

Products and services

• Professional Liability Insurance Professional liability insurance (errors and omissions) providing extra protection not included in general liability policies, for businesses facing professional exposure.
• Workers' Compensation Insurance
• Business Owners Policy (BOP)
• Commercial Property Insurance
• General Liability Insurance
• Business Interruption Insurance
• Commercial Auto Insurance
• Surety Bond Insurance
• Employee Health and Performance
• Voluntary Benefits
• Strategic Benefits Planning
• Healthcare Cost Management
• Benefits Communication
• Renters Insurance
• Condo Insurance
• High Net Worth Insurance
• Personal Umbrella Insurance
• Auto Insurance
• Homeowners Insurance

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

One partnership is on record.

• HUB InternationalcoreStrategic or Co-development PartnerRuhl & Ruhl Insurance was acquired by HUB International in August 2014. This acquisition provided the company access to HUB's global resources, broader product offerings, and carrier relationships while maintaining local service delivery. HUB International is a leading global insurance brokerage firm headquartered in Chicago, IL.

Scale indicators2 records

Recent moves3 records

Expansion highlights3 records

Regional players

• Woodruff-Sawyer & Co. Regional insurance brokerage providing commercial P&C, employee benefits, and personal lines to mid-market clients through a localized office model—comparable in scale and approach to a single HUB regional office.
• Leavitt Group: Regional insurance brokerage with offices across the western U.S., offering commercial, personal, and benefits lines—comparable business model though different geographic footprint than HUB Davenport's Midwest focus.
• TrueNorth Companies: Midwest-based insurance brokerage headquartered in Cedar Rapids, Iowa, with similar commercial, personal, and employee benefits offerings targeting businesses and individuals in Iowa and surrounding states—a regional competitor operating in adjacent Iowa geography.

Broad incumbents

• Arthur J. Gallagher & Co. One of the largest global insurance brokerages offering commercial property/casualty, employee benefits, and personal lines through regional offices. Directly comparable multi-line brokerage model with strong M&A growth in regional broker acquisitions.
• Marsh McLennan: Global insurance brokerage and risk management firm (parent of Marsh, Guy Carpenter, Mercer, Oliver Wyman) operating at far larger scale than HUB Davenport, but serving overlapping commercial and personal line clients with multi-line brokerage offerings.
• Brown & Brown, Inc. National insurance brokerage built through roll-up of regional brokerages, offering commercial P&C, personal lines, and employee benefits—parallel to HUB's regional-office strategy and a likely consolidator of small/mid-size brokerages.
• Lockton Companies: Largest privately held insurance brokerage globally, offering commercial, personal, and benefits brokerage across regional offices. Competes for the same mid-market and SMB commercial accounts as HUB Davenport.

Emerging players

• Acrisure: Rapidly growing tech-enabled insurance brokerage leveraging AI and acquisitions to build a national footprint. Competes for the same mid-market and personal lines clients while disrupting traditional brokerage economics through technology.

Direct peers

• AssuredPartners: PE-backed insurance brokerage built through aggressive acquisitions of regional brokerages; directly comparable multi-line brokerage model targeting mid-market commercial, personal, and benefits clients through local offices.
• USI Insurance Services: Mid-sized national insurance brokerage with regional office model similar to HUB Davenport, providing business insurance, personal lines, and employee benefits to middle-market and SMB clients across multiple U.S. geographies.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Ruhl & Ruhl Insurance