The RUOK Insurance Agency, Inc.

05/26/2026

The biggest mistake people make with their home insurance, is not insuring to true replacement value (unless indicated demolition, decontamination and water removal) need to be taken into account.

05/25/2026

Today, we honor and remember the brave souls who sacrificed their lives for our country and freedom. Know a hero? Take a moment to reflect on their courage and thank them in the comments.

05/23/2026

What happens when a claim occurs? Fraud is not a covered peril. Claim denied.

05/21/2026

Associated Mutual is our latest carrier partner to want to work with us directly.

05/20/2026

Shopping for quality, cost-effective insurance shouldn’t be an aggravation. 🛑

At The RUOK Insurance Agency we represent multiple mutual companies, which means you won’t just be another policy number—you’ll be treated like the owner. Because you will be! 🔑

Let us handle the heavy lifting. DM us or click below to get a quote today! 📲

Please click the link to complete this form.

05/18/2026

Life jackets save lives, but what can protect your boat? During National Safe Boating Week, remember that safety on the water means being prepared on all fronts. Wearing a life jacket protects the people on board — and having boat coverage helps protect your vessel. Keep these safety tips handy and also let us help you find coverage for your boating lifestyle so you can truly enjoy your time on the water.

Life jackets save lives, but what can protect your boat? During National Safe Boating Week, remember that safety on the water means being prepared on all fronts. Wearing a life jacket protects the people on board — and having boat coverage helps protect your vessel. Keep these safety tips handy an...

05/14/2026

Artificial Intelligence is transforming business faster than most companies can keep up with — and with that innovation comes a growing wave of cyber risk.

From AI-generated phishing emails and deepfake scams to employees unknowingly uploading sensitive client information into AI tools, businesses are facing exposures that barely existed a few years ago.

One challenge many organizations are discovering is that cyber insurance policies were not originally designed with AI-specific risks in mind.

Modern cyber policies, including many offered by major carriers such as Chubb, are generally designed to respond to events such as:

✔ Data breaches and ransomware attacks
✔ Business interruption from cyber incidents
✔ Cyber extortion events
✔ Legal defense and regulatory response costs
✔ Social engineering and funds transfer fraud
✔ Incident response and forensic investigations

At the same time, businesses are learning that some AI-related exposures may fall into gray areas or exclusions depending on policy language, controls, and how AI tools are being used internally.

Potential coverage limitations can include:

❌ Intentional employee misconduct
❌ Failure to maintain cybersecurity standards
❌ Certain intellectual property disputes involving AI-generated content
❌ Contractual liability issues
❌ Reputational harm without measurable financial loss
❌ Use of unauthorized or unsecured AI applications

As AI becomes integrated into daily operations, companies are increasingly having to evaluate not only cybersecurity practices, but also governance, employee training, privacy controls, and third-party vendor risk.

The intersection of AI and cyber liability is still evolving — and it is likely to become one of the most important risk management conversations businesses face over the next several years.

05/14/2026

AI and Robotics are going to change the world. Use it or not, it's coming.

05/12/2026

Summer is right around the corner. Prepare your yard now by following these lawn mowing safety tips to help protect you and your family.

Summer is right around the corner. Prepare your yard now by following these lawn mowing safety tips to help protect you and your family.

05/11/2026

Get a head start on your summer plans by tending to your yard now. Preparation today can help prevent accidents around pools, playsets, and fire pits later.
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