Business Details
50+ Years
experience
Your Trusted Insurance Partner Since 1943
Founded in 1943 by Jacob H Ruhl, our agency operates on core values of trust, respect, honesty, and integrity. With over 75 years of experience in the insurance industry, we specialize in farm, business, personal, and life insurance solutions tailored to Central Pennsylvania clients. Our independent agency status allows access to multiple markets, ensuring competitive pricing and customized coverage.We prioritize exceptional service through quantified metrics, combining traditional courtesy with modern efficiency. Our team's deep agricultural expertise and multigenerational commitment distinguish us as a leading family-owned insurance provider.
Services
Business Insurance
Farm Insurance
Personal Insurance
Life Insurance
Flood Insurance
Crop Insurance
Equine Liability
Workers Comp
Disability Insurance
Details
- Year established: 1943
Highlights and features
- 75+ years of agricultural insurance expertise in Central Pennsylvania
- Independent agency access to multiple insurance markets
- Customized coverage solutions for farm, business, and personal needs
- Quantified service metrics ensuring timely response times
- Multigenerational family ownership with local market knowledge
Associations and certifications
- Trusted Choice Independent Agency
Services
Business Insurance
We provide comprehensive business insurance solutions including auto, liability, workers' compensation, and umbrella policies. Our independent agency status allows access to multiple carriers for customized protection. Specializing in risk management strategies tailored to Central Pennsylvania businesses, we ensure competitive pricing and claims support.
Farm Insurance
Our farm insurance offers protection for farmowners, agribusinesses, and specialty operations including crop, livestock, and equine coverage. We address unique agricultural risks with policies for property damage, liability, and business interruption. Our team's deep industry knowledge ensures tailored solutions for both traditional farms and modern agribusiness ventures.
Personal Insurance
We offer personal insurance products including homeowners, renters, recreational vehicle, and flood insurance. Our solutions protect Pennsylvania residents' personal assets with customizable policies. We provide comprehensive coverage options that adapt to evolving life circumstances and property needs.
Life & Disability Insurance
Our life and disability insurance products safeguard families' financial futures through term life, whole life, and income replacement policies. We help clients determine appropriate coverage levels based on individual circumstances. Our licensed consultants provide personalized risk management strategies for long-term financial security.
Risk Management
We develop customized risk management strategies to identify, assess, and mitigate potential business exposures. Our approach combines insurance protection with proactive loss control measures. We work closely with clients to implement comprehensive risk management programs tailored to their specific industry and operational needs.
People
Megan Shumaker
Vice President
CIC and AFIS designee with 17+ years of insurance experience. Graduated from Messiah College in 2004. Specializes in insurance solutions while balancing family life in Manheim with husband Drew and daughter Larissa.
Robert W. Moore
Director - Farm & Agribusiness
29+ years of agricultural insurance expertise. Holds CIC and AFIS designations since 2000 and 2007. Resides on a Hellam farm with wife Marcy, providing specialized coverage for Pennsylvania's agricultural community.
Robin Hilliard
Account Manager - Farm & Agribusiness
28+ years of farm insurance experience with CISR designation. Warwick High School graduate with extensive knowledge of agricultural operations. Active in Trinity E C Church and enjoys family time and travel.
Toni Rice
Account Manager - Farm & Agribusiness
Recent addition with 20+ years in insurance. Holds AFIS designation and advanced degrees in homeland security and healthcare administration. Active in Lancaster community with husband Randy and 3 children.
Marie Becker
Account Manager - Farm & Agribusiness
New team member with Penn State education. Active in Manheim Community Farm Show Dairy Committee. Brings fresh perspective to agricultural insurance solutions while enjoying family time and baking.
Questions
What types of insurance does Ruhl Insurance offer?
We provide farm, business, personal, life, and disability insurance solutions tailored to Pennsylvania residents and agricultural operations.
How can I request a free consultation?
Call (717) 665-2283, visit our website, or visit our Manheim office to speak with a licensed insurance consultant.
Why use an independent insurance agency?
Our independent status allows access to multiple carriers, ensuring competitive pricing and customized coverage options for your specific needs.
Do you specialize in agricultural insurance?
Yes, with over 75 years serving Pennsylvania's farming community, we offer specialized coverage for crop, livestock, and agribusiness operations.
How quickly do you handle insurance claims?
We prioritize fair and timely claims settlement, leveraging our carrier relationships to ensure efficient resolution processes for policyholders.
Are your insurance consultants licensed?
Yes, our team includes licensed insurance professionals with industry designations like CIC, AFIS, and CISR.
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