“Located in Erie, Pennsylvania, R. H. Rutkowski Insurance, Inc. was founded in 1968 by our grandfather, Robert “Spider” Rutkowski. We chose to continue the family business, not only for tradition and personal sentiment but more importantly, due to the outstanding reputation of Erie Insurance. Our parents, Trish and Harry Figurski took over the agency in 1995. Trish worked under our grandfather Robert H. Rutkowski for six years beginning in 1991 and Harry joined her after working for Erie Insurance after starting in 1983 as a personal lines underwriter. I started in 2001 and my brother Patrick (Vice President) in 2004 learning the business under our parents. We are proud to say we are a third-generation family agency representing Erie Insurance Group. Our daily focus is to demonstrate the “Golden Rule” and practice ERIE’s philosophy. H.O. Hirt – “To provide our Customers with as near perfect protection, as near perfect service that is humanly possible, and to do so at the lowest possible cost.” We are licensed in Property/Casualty, Life, and Annuities for PA, OH, VA, MD, and TN.” – Michael Figurski, President
An Independent Advantage
We are Independent Agents in Erie, Pennsylvania, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. R. H. Rutkowski Insurance Inc. represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.