Municipalities
As an insurance consulting and risk management partner of the League of Wisconsin Municipalities (LWMMI), we provide our expert services to villages and cities across the state of Wisconsin. Established in 1898, LWMMI was formed to work for the common good of cities and villages. The LWMMI Mutual Insurance Program provides significant advantages to participating members including:

- Broad specialized coverages not normally available to individual cities and villages
- Up-front, competitive pricing
- Services from regional agencies
- Individual underwriting and rating
- Group purchasing power
- Specialized services in municipal loss prevention, claims, policy service, audit and consultation
Membership in LWMMI means you are joining a program developed by municipal leaders like yourself to meet needs unique to all municipalities.
Villages/Cities Insured by R&R Insurance (as of 6/18/2007)
| Company | Rating | Policyholder Surplus |
|---|---|---|
| Total | $13,441,741,000 | |
| As of 9/15/06 | ||
| Berkley Insurance Company | A | $1,785,231,000 |
| Evanston Insurance Company | A | 527,761,000 |
| Liberty Mutual Insurance Company | A | 7,924,697,000 |
| Odyssey America Reinsurance Corporation | A | 2,071,287,000 |
| Safety National Casualty Corporation | A | 359,118,000 |
| Discover Property and Casualty Insurance | A+ | 35,056,000 |
| RSUI Indemnity Company | A | 738,591,000 |
Our team
-
Rick Kalscheuer, CIC, RPLU
- Marquette University
- Certified Insurance Counselor (CIC), Registered Professional Liability Underwriter (RPLU)
- With R&R Insurance Services, Inc. since 1989
- Has maintained working client relationships of more than 5, 10, 15 and 18 years
-
Scott Huibregtse, ARM
- UW Milwaukee: B.S. Criminal Justice
- Associate in Risk Management (ARM)
- With R&R Insurance Services, Inc. since 1999
- Member: Association of Safety Engineers (ASSE) Wisconsin Chapter, Association of General Contractors (AGC) Safety Council
-
Ray Yager
- UW Oshkosh: B.S.
- With R&R Insurance Services, Inc. since 1996
- More than 10 years in personal lines and commercial lines sales with a nationwide agency
- Inside and outside sales with a national shoe manufacturer for more than five years
-
Bill King
- Morris Harvey (Charleston, West Virginia): B.A. English
- Director of Public Relations for the Milwaukee Bucks for more than 22 years
- Board of Directors of the Make-A-Wish Foundation of Wisconsin, 1995-1999
- Graduate of the first “Citizen’s Academy” conducted by the Federal Bureau of Investigation, 1997
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Rhonda Steiner, CIC
- UW Madison
- Certified Insurance Counselor (CIC)
- Experience in the insurance industry as an independent agent since 1983
- Board Member and past president of the YMCA of Dodge County, Board Member and past president of Noon Kiwanis Club of Beaver Dam, Board Member and past president of Independent Insurance Agents of Dodge County and Board Member, Beaver Dam Community Hospital Foundation, Inc.
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Dianne DeByl
- UW Oshkosh: B.S. Secondary Education
- With R&R Insurance Services, Inc. since 1997
- 18 years as underwriting manager for professional liability program administrator for nationwide insurance company
- Member of Municipal Team for the League of Wisconsin Municipalities Insurance Mutual Insurance Program since 2000



