Olive Cover
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INSURANCE CARRIER

RT Specialty Surplus Lines

Wholesale surplus lines broker placing hard-to-place Georgia commercial risks through specialty E&S markets.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

Varies by underlying market. RT Specialty places through A-rated or better surplus carriers.

JD Power Personal

JD Power Commercial

Wholesale surplus lines broker, not a carrier and not included in the J.D. Power study.

NAIC Complaint Index

RT Specialty is one of the largest surplus lines wholesale brokers in the United States. They place hard-to-place commercial risks through a wide network of E&S carriers and program markets. For Georgia accounts that admitted markets like Travelers, Hartford, and Hanover decline, RT Specialty has access to multiple specialty markets including AmRisc, Markel, Lloyd's, and various specialty programs.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Largest national surplus lines broker network with access to multiple specialty E&S markets and programs.

Strength 2

Capacity for complex and unusual industry classes that admitted markets decline.

Strength 3

Wholesale shopping ability across multiple markets for the same risk increases competitive pricing on E&S placements.

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Surplus lines status means Georgia Insurance Guaranty Association does not back claims if the placing carrier becomes insolvent.

Weakness 2

Multi-step placement process through wholesaler adds time and complexity compared to direct admitted carrier quotes.

Weakness 3

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

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 E&S resource, not a direct standard market option.

APPETITE & COVERAGE

What They Write

Coverage Types

E&S BOP, workers comp, commercial auto, professional liability, cyber, specialty programs (Lloyd's, Markel, AmRisc, others)

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.

Industry Classes

Roofing, demolition, high-hazard construction, hospitality with liquor, habitational, specialty manufacturing, cannabis-adjacent, recreational, and emerging industries

Admitted Status

Non-admitted (surplus lines wholesaler placing through E&S markets)

CLAIMS & PRICING

What to Expect

Claims Experience

Claims handling depends on the placing carrier. RT Specialty as wholesale broker coordinates between Olive Cover and the underlying E&S carrier on placement and policy service. Claims service quality reflects the underlying market chosen for the placement.

Pricing Context

RT Specialty provides wholesale access to the E&S market for non-standard commercial placements. Pricing is market-driven and varies significantly based on risk class and loss history.

vs Competitors

Primary comparison is Berkley Aspire and other specialty E&S markets. RT Specialty often has broader market access for hospitality, habitational, and contractor accounts.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

All 50 states through surplus lines

Personal Lines States

Commercial Lines States

All 50 states through surplus lines

Do We Work With Them?

Yes

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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