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The RUOK Insurance Agency
The RUOK Insurance Agency

Request A Quote

Request A Quote2026-08-11T16:45:37-04:00

The RUOK Insurance Agency offers a variety of business & personal insurance options. To get started, please choose your type of insurance you want below, or give us a call at 518-207-9500. You can expect a quote or call from one of our agents shortly.

How Can We Help?
Choose What You Need
Start Personal Insurance Quote for Individuals and Families
Personal Insurance
Start Business Insurance Quote
Business Insurance
Start Business Insurance Quote
Policy Service
Start Business Insurance Quote
Certificate of Insurance
Start Business Insurance Quote
File a Claim
Start Business Insurance Quote
For Car Dealers
Start Business Insurance Quote
Banks & Mortgage Companies
Start Business Insurance Quote
Frequently Asked Questions
Additional Quote Options
Need a Policy Recommendation?

policy service

Our state-of-the-art portal allows businesses and familis to locate, purchase, and manage specialized insurance policies quickly. Weeks of waiting and stacks of paperwork are officially obsolete.

Policy Changes

Report a Claim

Request Certificates

Download Documents

24/7 policy service available from The RUOK Insurance Agency. Request policy changes, request COIs, add or remove vehicles and drivers, and more.

Questions? Answers!

How often should I review my Commercial Property Insurance policy?2024-08-17T17:14:16-04:00

 It’s advisable to review your policy annually or whenever significant changes occur in your business, such as renovations, purchasing new equipment, or changes in inventory levels, to ensure your coverage remains adequate.

What should I do if I need to file a claim?2024-08-17T17:14:16-04:00

Contact your insurance provider immediately to report the incident. Document all damages with photos and keep records of related expenses. Your provider will guide you through the claims process.

Can I bundle Commercial Property Insurance with other types of insurance?2024-08-17T17:14:16-04:00

Yes, many insurance providers offer package policies, such as a Business Owner’s Policy (BOP), which combines Commercial Property Insurance with General Liability Insurance and other coverages for a comprehensive protection plan.

How do I determine the right amount of coverage for my business?2024-08-17T17:14:16-04:00

Evaluate the replacement cost of your building and contents, considering factors like location, industry-specific risks, and the value of your assets. It’s essential to choose coverage limits that fully protect your investment.

What does Commercial Property Insurance not cover?2024-08-17T17:14:16-04:00

Commercial Property Insurance typically does not cover damages from floods or earthquakes. Separate policies, like Flood Insurance or Earthquake Insurance, are required for these specific risks.

How long do employees have to file a Workers’ Compensation claim?2024-08-17T17:14:16-04:00

The time frame for filing a Workers’ Compensation claim varies by state, but it typically ranges from 30 days to two years from the date of the injury. It’s important for employees to report injuries as soon as possible to ensure timely processing and receipt of benefits.

Can employees sue their employer if they have Workers’ Compensation Insurance?2024-08-17T17:14:16-04:00

In most cases, Workers’ Compensation Insurance prevents employees from suing their employer for work-related injuries. This coverage is designed to provide benefits without the need for litigation. However, employees can still sue in cases of gross negligence or intentional harm by the employer.

Don’t see your question? Contact us.

Insurance Quotes

National Producer Number: #20506178
New York License: #1760302
Pennsylvania License: #1110998
Maryland License: #3002382370
New Jersey License: #3002382799

The RUOK Insurance Agency
63 Putnam Street Suite 202
Saratoga Springs, New York 12866
Phone: 518-207-9500
Secondary phone: 844-444-7865
Fax: 631-546-5441
Mailing Address

1549 Main Road
Riverhead, New York 11901
Phone: 631-876-1231

Office Hours

Mon-Fri 9:00am – 4:30pm

Fri 9:00am – 4:00pm

Sat by appointment only, or click here to start your insurance quote online.

Sun Closed

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Licensed to provide insurance services, home insurance, auto insurance, life insurance, and commercial insurance for businesses, in Maryland, New Jersey, New York, Pennsylvania, with our office located in New York. Serving our local communities throughout Albany, Amherst, Babylon, Brookhaven, Buffalo, Cheektowaga, Clarkstown, East Hampton, Greece, Greenburgh, Hempstead, Huntington, Islip, New York City, North Hempstead, Oyster Bay, Riverhead, Rochester, Saratoga Springs, Shelter Island, Smithtown, Southampton, Southold, Syracuse, Yonkers, and the surrounding areas.

DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services. This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.

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Insurance Fraud Statement

Fraud is a crime

If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.

Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.

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How Can We Help?
Choose What You Need
Start Personal Insurance Quote for Individuals and Families
Personal Insurance
Start Business Insurance Quote
Business Insurance
Start Business Insurance Quote
Policy Service
Start Business Insurance Quote
Certificate of Insurance
Start Business Insurance Quote
File a Claim
Start Business Insurance Quote
For Car Dealers
Start Business Insurance Quote
Banks & Mortgage Companies
Start Business Insurance Quote
Frequently Asked Questions
Additional Quote Options
Need a Policy Recommendation?
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