Why Choose Rogue Risk For Your Worker's Comp Insurance?
At Rogue Risk, we help you “Win” the worker’s comp insurance game by focusing not just on the cost of insurance premiums, but your Total Cost of Risk.
Our proprietary process, RogueRisk365®, allows your business to cut costs and free up cash flow while maintaining the insurance coverages you need to sustain your business.
In most states, workers’ compensation insurance is a mandatory coverage when you have employees, in order to operate your business.
Because of this, worker’s comp is glossed over by business owners and insurance agents alike, creating errors in coverage and overcharges in premium.
That is not how we handle worker’s compensation insurance at Rogue Risk.
Through a simple Experience Mod Audit and Review, we find errors in more than 83% of cases leading to an average savings of over 27% year-over-year.
Worker’s comp is not set-it-and-forget-it. There are massive savings inside your worker’s comp policy right now.
#workerscompensation
ROGUERISK.COM
Workers Compensation Insurance | Rogue Risk
𝗙𝗿𝗲𝗾𝘂𝗲𝗻𝘁𝗹𝘆 𝗔𝘀𝗸𝗲𝗱 𝗤𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀 𝗔𝗯𝗼𝘂𝘁 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
At Rogue Risk, we help you “Win” the insurance game by focusing not just on the cost of insurance premiums, but your Total Cost of Risk.
Our proprietary process allows your business to cut costs and free up cash flow while maintaining the insurance coverages you need to sustain your business.
In most states, your business needs certain coverages, like workers’ compensation insurance and unemployment insurance, to operate. Liability insurance is also important because without it, you’d have to pay out of pocket for any legal claims filed against you.
Below are the most frequently asked questions we receive about commercial insurance.
ROGUERISK.COM
Frequently Asked Questioned About Commercial Insurance
𝗪𝗵𝘆 𝗔𝗿𝗲 𝗬𝗼𝘂 𝗢𝘃𝗲𝗿𝗽𝗮𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝗛𝗼𝗺𝗲𝗼𝘄𝗻𝗲𝗿𝘀 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲?
We hear all the excuses...
"𝘐 𝘥𝘰𝘯'𝘵 𝘩𝘢𝘷𝘦 𝘵𝘪𝘮𝘦 𝘵𝘰 𝘴𝘩𝘰𝘱."
- Exactly, that's our job.
"𝘐 𝘱𝘢𝘺 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘮𝘺 𝘮𝘰𝘳𝘵𝘨𝘢𝘨𝘦."
- No problem, we handle the entire process for you including getting your old company to send you a check.
"𝘐 𝘨𝘦𝘵 𝘢 𝘩𝘰𝘮𝘦 𝘢𝘯𝘥 𝘢𝘶𝘵𝘰 𝘤𝘰𝘮𝘣𝘪𝘯𝘦𝘥 𝘥𝘪𝘴𝘤𝘰𝘶𝘯𝘵."
- This doesn't always mean you're getting the best rate, but we'll shop your auto as well.
"𝘐'𝘷𝘦 𝘣𝘦𝘦𝘯 𝘸𝘪𝘵𝘩 𝘮𝘺 𝘢𝘨𝘦𝘯𝘵 𝘧𝘰𝘳 𝘺𝘦𝘢𝘳𝘴."
- What matters is they're doing a good job for you.
"𝘐 𝘩𝘢𝘷𝘦 <𝘪𝘯𝘴𝘦𝘳𝘵 𝘸𝘦𝘪𝘳𝘥 𝘤𝘪𝘳𝘤𝘶𝘮𝘴𝘵𝘢𝘯𝘤𝘦> 𝘵𝘰 𝘥𝘦𝘢𝘭 𝘸𝘪𝘵𝘩."
- We solve these problems every day that's why we're Home Insurance experts.
𝗬𝗼𝘂 𝗗𝗼𝗻'𝘁 𝗛𝗮𝘃𝗲 𝘁𝗼 𝗢𝘃𝗲𝗿𝗽𝗮𝘆
Our job at Rogue Risk is to help you protect what matters to you, (i.e. spouse, children, home, vehicles, vacation home), while paying THE RIGHT price.
Call me to learn more: (518) 960-6600
Ryan Hanley
Owner, Rogue Risk
𝗗𝗶𝘀𝘁𝗿𝗮𝗰𝘁𝗲𝗱 𝗗𝗿𝗶𝘃𝗶𝗻𝗴 𝗔𝗻𝗱 𝗧𝗵𝗲 𝗥𝗶𝘀𝗶𝗻𝗴 𝗖𝗼𝘀𝘁 𝗢𝗳 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗔𝘂𝘁𝗼 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
Distracted driving isn’t just dangerous – it’s also costly. In fact, crashes involving distracted driving cost employers more than $72,000 per non-fatal accident and as much as $4.3 billion per year in total.
Accidents caused by distractions while driving are not a new phenomenon, but as more devices are used by drivers (and drivers become more comfortable using them while behind the wheel), the risk of having an accident has greatly increased.
In fact, in a 2015 Department of Transportation Study of 2,982,000 auto crashes, the critical reason, (which is the last event in the crash chain), was assigned to the driver in 94 percent of the crashes.
Of these, 41 percent were due to “Recognition Issues” or being distracted while driving. That’s over 838,000 auto crashes due to distracted driving.
Distracted driving is a real problem for your business, but it is preventable.
ROGUERISK.COM
Distracted Driving And The Rising Cost Of Commercial Auto Insurance
𝟱 𝗪𝗮𝘆𝘀 𝗧𝗼 𝗥𝗲𝗱𝘂𝗰𝗲 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗔𝘂𝘁𝗼 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗖𝗹𝗮𝗶𝗺𝘀
The best way to keep the cost of commercial auto insurance as low as possible is to not have claims.
Easier said than done, right?!
Statistically across the country, commercial auto claims are on the rise which is leading to major rate increases.
Because of this, some large and well-known insurance carriers have decided to drop commercial auto as a product offering altogether.
ROGUERISK.COM
5 Ways To Reduce Commercial Auto Insurance Claims
𝗛𝗼𝘄 𝗧𝗼 𝗥𝗲𝗱𝘂𝗰𝗲 𝗧𝗵𝗲 𝗖𝗼𝘀𝘁 𝗢𝗳 𝗖𝗼𝗺𝗺𝗲𝗿𝗰𝗶𝗮𝗹 𝗔𝘂𝘁𝗼 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
If your business has owned vehicles for any period of time, then you’ve probably felt the pain of consistent increases in the cost of commercial auto insurance.
The most frustrating part is the feeling these cost increases are out of your control.
Here’s the good news, you were wrong.
You can take control of the cost of your commercial auto insurance.
ROGUERISK.COM
How To Reduce The Cost Of Commercial Auto Insurance
𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗦𝘁𝘂𝗱𝗲𝗻𝘁 𝗛𝗼𝘂𝘀𝗶𝗻𝗴 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗧𝗼 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗬𝗼𝘂𝗿 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗔𝗻𝗱 𝗜𝗻𝗰𝗼𝗺𝗲
At Rogue Risk, we help property owners, including those who own student housing “Win” the insurance game by not just reducing their insurance premiums, but the Total Cost of Risk.
Our proprietary student housing insurance program will help you free up cash flow that can back into your pocket or your next income property.
NOTE: If you are NOT currently working with Rogue Risk please do not assume you have coverage for student housing rentals. Many insurance companies still exclude student housing from coverage.
The good news is, our process is simple and straight-forward.
ROGUERISK.COM
Student Housing Insurance | Everything You Need to Know
𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱 𝗧𝗼 𝗞𝗻𝗼𝘄 𝗔𝗯𝗼𝘂𝘁 𝗔𝗶𝗿𝗕𝗻𝗕 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗧𝗼 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗬𝗼𝘂𝗿 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗔𝗻𝗱 𝗜𝗻𝗰𝗼𝗺𝗲
At Rogue Risk, we help Airbnb Hosts “Win” the insurance game by not just reducing their insurance premiums, but the Total Cost of Risk.
Our proprietary AirBnB insurance program will help you free up cash flow that can back into your pocket or your next Airbnb property.
NOTE: If you are NOT currently working with Rogue Risk please do not assume you have coverage for Airbnb rentals. Many insurance companies still exclude AirBnB rentals from coverage.
ROGUERISK.COM
AirBnb Insurance Coverage | Everything You Need to Know
𝗗𝗼𝘂𝗯𝗹𝗲 𝗬𝗼𝘂𝗿 𝗟𝗼𝗮𝗻𝘀 𝗙𝗼𝗿 𝗘𝘃𝗲𝗿𝘆 𝗡𝗲𝘄 𝗖𝗹𝗶𝗲𝗻𝘁 𝗗𝗲𝗮𝗹 𝗬𝗼𝘂 𝗙𝘂𝗻𝗱
𝘈𝘛𝘛𝘕 𝘔𝘰𝘳𝘵𝘨𝘢𝘨𝘦 𝘓𝘰𝘢𝘯 𝘖𝘧𝘧𝘪𝘤𝘦𝘳𝘴
Do You Want To Guarantee A Refinance Deal For Every Purchase Deal That You Close?
Do you want to do this without hiring expensive marketers or learning hi-tech systems?
Of course you do… you’re too smart to pass on that.
Watch the video below then click the link in the first comment to learn more.
𝗔𝗧𝗧𝗡 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗟𝗼𝗮𝗻 𝗢𝗳𝗳𝗶𝗰𝗲𝗿𝘀
Do you want to double the referrals you get every month?
Do you want to do this without hiring expensive marketers or learning hi-tech systems?
Of course, you do…you’re too smart to pass on that.
You can do it all without cold calling, 7AM breakfast meetings, or begging for referrals.
I want to show you how you can cut the average cost of your funded loans in half.
Sit tight, let me explain…
My name is Ryan Hanley
I am the founder of Rogue Risk, an independent insurance agency. Like you, I’ve done everything to connect with my referral partners to grow my business. Only to realize that the number one thing my partners wanted was to build their business.
Let’s face it, a full pipeline of qualified people to talk to on a consistent basis is every loan officer's dream.
But what if these weren’t “leads?” what if they were the people who have already gotten a loan from you in the past? Your current clients?!
Cutting your costs in half allows you to build your business the way you always dreamed of, regardless of market shifts, or online competition from sources like Zillow.
🛑 Stop paying money for shared leads.
🛑 Stop hiring expensive marketers
🛑 Stop begging realtors for referrals.
Leverage my insurance agency and proprietary system for real mortgage referrals.
Like you I own and operate a small business. Like you I want to partner my insurance agency with lenders who classify themselves as the best.
If you care about your clients, and you want them to have the best experience, I want to connect with you.
I want to show you how we can grow your business…
We want to separate ourselves from every insurance agent you’ve ever known.
I want to put more money in your pocket with consistent, predictable, appointments, submitted apps, and funded loans.
𝘋𝘔 𝘮𝘦 𝘰𝘳 𝘤𝘭𝘪𝘤𝘬 𝘵𝘩𝘳𝘰𝘶𝘨𝘩 𝘵𝘰 𝘭𝘦𝘢𝘳𝘯 𝘮𝘰𝘳𝘦!
ROGUERISK.COM
Loan Officer Partner Program | Rogue Risk
Own a Rental Property?
Finding the right insurance coverage starts by partnering with the right insurance agent.
We are that partner...
ROGUERISK.COM
Landlord Insurance Coverage | Rogue Risk
𝗨𝘀𝗲 𝗢𝘂𝗿 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗖𝗮𝗹𝗰𝘂𝗹𝗮𝘁𝗼𝗿 𝗧𝗼 𝗘𝘀𝘁𝗶𝗺𝗮𝘁𝗲 𝗬𝗼𝘂𝗿 𝗠𝗼𝗻𝘁𝗵𝗹𝘆 𝗠𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗣𝗮𝘆𝗺𝗲𝗻𝘁.
🔔 NEW TOOL ALERT 🔔
Using our mortgage calculator gives you a competitive advantage headed into the home-buying process with a more accurate picture of your mortgage payments and purchase with confidence.
After you run some estimates, read on for more education on mortgage rates, insurance, and home-buying tips.
ROGUERISK.COM
Mortgage Calculator | Rogue Risk
𝗥𝗲𝘀𝘁𝗮𝘂𝗿𝗮𝗻𝘁 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗕𝗮𝘀𝗶𝗰𝘀: 𝗪𝗵𝗮𝘁 𝗬𝗼𝘂 𝗡𝗲𝗲𝗱 𝘁𝗼 𝗞𝗻𝗼𝘄
Running a restaurant is hard enough, now you're supposed to be an expert in restaurant insurance too?
Well, here are the basics you need to know...
YOUTUBE.COM
Restaurant Insurance Basics: What You Need to Know
𝗬𝗼𝘂𝗿 𝗚𝗲𝗻𝗲𝗿𝗮𝗹 𝗟𝗶𝗮𝗯𝗶𝗹𝗶𝘁𝘆 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗗𝗼𝗲𝘀 𝗡𝗼𝘁 𝗖𝗼𝘃𝗲𝗿 𝗖𝘆𝗯𝗲𝗿 𝗔𝘁𝘁𝗮𝗰𝗸𝘀.
Cyber Liability Insurance Is The Answer.
Here's what you need to know...
ROGUERISK.COM
Cyber Liability Insurance
𝗪𝗵𝗮𝘁 𝗶𝘀 𝘁𝗵𝗲 𝗕𝗲𝘀𝘁 𝗔𝗹𝗯𝗮𝗻𝘆, 𝗡𝗬 𝗛𝗼𝗺𝗲 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲?
This is what homeowners across the Albany / Capital District are talking about...
YOUTUBE.COM
What is the Best Albany, NY Home Insurance?
𝗧𝗲𝗰𝗵𝗻𝗼𝗹𝗼𝗴𝘆 𝗦𝘁𝗮𝗿𝘁𝘂𝗽 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲: 𝗣𝗿𝗼𝘁𝗲𝗰𝘁 𝗬𝗼𝘂𝗿 𝗣𝗿𝗼𝗱𝘂𝗰𝘁, 𝗣𝗲𝗼𝗽𝗹𝗲 𝗔𝗻𝗱 𝗣𝗿𝗼𝗳𝗶𝘁.
First-time technology startup founders and entrepreneurs rarely give more than a passing thought to taking out insurance to protect their products, people, and profit.
At Rogue Risk, we help startup founders “Win” the insurance game by not just reducing their insurance premiums, but their Total Cost of Risk.
Our proprietary RogueRisk365® risk management program helps protect your products and people while working to free up cash flow that can be reinvested back into your growing business.
The good news is, our process is simple and straight-forward.
ROGUERISK.COM
Technology Startup Insurance | How to Protect Products, People & Profit
𝗧𝗵𝗲 𝗙𝗶𝗿𝘀𝘁 𝟳 𝗠𝗼𝗻𝘁𝗵𝘀 𝗼𝗳 𝗥𝗼𝗴𝘂𝗲 𝗥𝗶𝘀𝗸
Here it is, the good, bad, and ugly of launching Rogue Risk seven months ago.
I hope this helps...
RYANHANLEY.COM
The First 7 Months of Rogue Risk
Starting a new series on Youtube, "Workers Comp for...", which explains the nuances of workers comp for different industry classes.
Here's the first video...
Workers Comp for Carpenters: What You Need to Know
Would love a subscribe to get over 100!!
YOUTUBE.COM
Workers Comp for Carpenters: What You Need to Know
support small business.
now more than ever our small business friends and neighbors need our attention, support and business.
who will you support today?
𝗗𝗢 𝗡𝗢𝗧 𝗗𝗢 𝗧𝗛𝗜𝗦 𝗪𝗜𝗧𝗛 𝗬𝗢𝗨𝗥 𝗪𝗢𝗥𝗞𝗘𝗥𝗦 𝗖𝗢𝗠𝗣
𝘌𝘢𝘴𝘺 𝘴𝘢𝘷𝘪𝘯𝘨𝘴...
This is a "No-brainer" mistake far too many small businesses are still making.
YOUTUBE.COM
What NOT to Do With Workers Comp Insurance
Workers Comp that works for your business.
Ryan Hanley is at Rogue Risk.
November 27 at 9:49 AM · Troy, NY ·
𝗗𝗼 𝗬𝗼𝘂 𝗘𝗻𝗷𝗼𝘆 𝗜𝗻𝗷𝘂𝗿𝘆 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁?
𝘖𝘧 𝘤𝘰𝘶𝘳𝘴𝘦, 𝘺𝘰𝘶 𝘥𝘰𝘯'𝘵...
There is a better way.
Your Worker's Comp doesn't have to be the annual expense and headache you avoid thinking about.
Make your Worker's Comp work for you.
We are thankful for you. ❤️
We're pushing hard on this campaign for Veterans Miracle Center...
Ryan Hanley
November 23 at 8:43 AM ·
𝗪𝗲 𝗥𝗮𝗶𝘀𝗲𝗱 $𝟱𝟬 𝗟𝗮𝘀𝘁 𝗪𝗲𝗲𝗸...
Last week we launched our fundraising campaign for the Veterans Miracle Center and we've already raised $50, which will then be matched by me and Safeco Insurance.
...so it's actually $150.
The campaign is easy, for every inbound insurance quote request we receive at Rogue Risk, we're donating $10.
If you feel like you're not getting the service, pricing, coverage, relationship, etc you'd like from your current insurance provider, now is the time to check our agency.
At Rogue, we combine the ease of digital business with the caring and compassion of a local agency... and now by partnering with the VMC we're giving back in a meaningful way.
DM me or use the link in the first comment to learn more...
𝗛𝗶𝘀𝗰𝗼𝘅 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗥𝗲𝘃𝗶𝗲𝘄
𝘈𝘳𝘦 𝘺𝘰𝘶 𝘤𝘰𝘯𝘴𝘪𝘥𝘦𝘳𝘪𝘯𝘨 𝘏𝘪𝘴𝘤𝘰𝘹 𝘉𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘐𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦?
Watch this short review of Hiscox Business Insurance before you buy.
YOUTUBE.COM
Hiscox Business Insurance Review
𝗧𝗵𝗲 𝗕𝗲𝘀𝘁 𝗪𝗮𝘆 𝘁𝗼 𝗕𝘂𝘆 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲
Purchasing insurance for your business can be confusing, time-consuming, and costly.
Here is the best way to buy business insurance...
YOUTUBE.COM
The Best Way to Buy Business Insurance
become more.
we believe in you.
𝟴𝟳% 𝗼𝗳 𝗦𝗺𝗮𝗹𝗹 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀𝗲𝘀 𝗮𝗿𝗲 𝗢𝘃𝗲𝗿𝗰𝗵𝗮𝗿𝗴𝗲𝗱 𝗳𝗼𝗿 𝗪𝗼𝗿𝗸𝗲𝗿𝘀 𝗖𝗼𝗺𝗽
𝘛𝘩𝘦 𝘨𝘰𝘰𝘥 𝘯𝘦𝘸𝘴 𝘪𝘴, 𝘺𝘰𝘶𝘳 𝘣𝘶𝘴𝘪𝘯𝘦𝘴𝘴 𝘥𝘰𝘦𝘴𝘯'𝘵 𝘩𝘢𝘷𝘦 𝘵𝘰 𝘣𝘦 𝘰𝘯𝘦 𝘰𝘧 𝘵𝘩𝘦𝘮.
This short video explains what you need to know...
YOUTUBE.COM
87% of Small Business Overcharged for Workers Comp
𝗪𝗵𝗮𝘁 𝗶𝘀 "𝗔𝗰𝘁𝗶𝗼𝗻 𝗢𝘃𝗲𝗿" 𝗮𝗻𝗱 𝗡𝗲𝘄 𝗬𝗼𝗿𝗸 𝗟𝗮𝗯𝗼𝗿 𝗟𝗮𝘄 𝗘𝘅𝗰𝗹𝘂𝘀𝗶𝗼𝗻
According to the International Risk Management Institute (IRMI), Action Over is defined as a type of action in which an injured employee, after collecting workers compensation benefits from the employer, sues a third party for contributing to the employee's injury.
What the heck does all that mean for you and your business?
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What is "Action Over" and New York Labor Law Exclusion
𝗦𝗶𝗰𝗸 𝗼𝗳 𝗕𝗲𝗶𝗻𝗴 𝗢𝘃𝗲𝗿𝗰𝗵𝗮𝗿𝗴𝗲𝗱 𝗳𝗼𝗿 𝗪𝗼𝗿𝗸𝗲𝗿𝘀 𝗖𝗼𝗺𝗽 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲?
87% of small and medium-sized businesses (especially contractors and restaurants) are being overcharged for their worker's compensation insurance.
Some fixes are easy, some take more time, but if you don't have a plan, you'll always be overpaying.
We can help.
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Sick of Being Overcharged for Workers Comp Insurance?
