RT Specialty Surplus Lines
Wholesale specialty/surplus lines broker placing hard-to-place Georgia commercial risks through specialty specialty/surplus lines markets.
Ratings
How This Carrier Rates
Overview
About This Carrier
RT Specialty is one of the largest specialty/surplus lines wholesale brokers in the United States. They place hard-to-place commercial risks through a wide network of specialty/surplus lines carriers and program markets.
Why Choose Them
What This Carrier Does Well
Largest national specialty/surplus lines broker network with access to multiple specialty markets and programs.
Capacity for complex and unusual industry classes that admitted markets decline.
Wholesale shopping ability across multiple markets for the same risk increases competitive pricing on specialty/surplus lines placements.
Limitations to Know
Where They Fall Short
Surplus lines status means Georgia Insurance Guaranty Association does not back claims if the placing carrier becomes insolvent.
Multi-step placement process through wholesaler adds time and complexity compared to direct admitted carrier quotes.
As a wholesale surplus lines intermediary rather than a direct admitted carrier, RT Specialty adds a pricing layer that can make placement more expensive than comparable admitted markets
Right Fit
Who They Are Best For
Best Fit For
Commercial risks that cannot be placed in the admitted market, requiring access to surplus lines carriers for specialized industries, unique operations, or accounts with adverse loss history.
Not a Good Fit For
Standard commercial accounts that qualify for admitted market coverage. RT Specialty is a wholesale specialty/surplus lines resource, not a direct standard market option.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Surplus Lines Wholesale
- Coverage Types
- specialty/surplus lines business owners policy, workers comp, commercial auto, professional liability, cyber, specialty programs
- States Available
- All 50 states through surplus lines
- Commercial Lines States
- All 50 states through surplus lines
- Max Business Revenue
- Writes across revenue ranges; limited by risk class rather than account size
- BOP Appetite
- Places specialty/surplus lines business owners policy and package policies for hard-to-place commercial risks through surplus lines markets
- Industry Classes
- Roofing, demolition, high-hazard construction, hospitality with liquor, habitational, specialty manufacturing, cannabis-adjacent, recreational, and emerging industries
Pricing & Claims
What to Expect
Best Pricing For
Hard-to-place Georgia commercial risks the admitted market declines. Particularly strong on hospitality with liquor exposure, large habitational, cannabis-adjacent, and emerging industries.
Pricing Context
RT Specialty provides wholesale access to the specialty/surplus lines market for non-standard commercial placements. Pricing is market-driven and varies significantly based on risk class and loss history.
Claims Experience
Claims handling depends on the placing carrier. RT Specialty as wholesale broker coordinates between Olive Cover and the underlying specialty/surplus lines carrier on placement and policy service.
File a Claim
- Phone 312-784-6001
- HoursVaries by RT office
- Online Claims portal
Admitted Status: Non-admitted (surplus lines wholesaler placing through specialty/surplus lines markets)
Compared
How They Compare
Primary comparison is Berkley Aspire and other specialty specialty/surplus lines markets. RT Specialty often has broader market access for hospitality, habitational, and contractor accounts.
Quick Facts