Our robust appetite will have you writing more E&S and specialty risks in less time

Each of our quotes are provided by top-rated carriers that offer competitive pricing and coverage. RT Specialty contracted Agents and Brokers can market a small commercial risk to multiple carriers for various lines of business in one digital platform in minute.

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Available in All
50 States

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Premiums from $450 to $10k

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Policy Terms of 6, 9, or 12 Months

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TRIA Coverage Available

Coverage Highlights

  • $500 minimum premium
  • $1M/$2M maximum limits of liability
  • Maximum exposure thresholds
    • Sales/Revenue ≤ $6M
    • Payroll ≤ $4M per class
    • Area ≤ 100,000 square feet per location
    • Cost ≤ $5M
    • Units ≤ 250 per policy
  • $0 deductibles for some classes
  • Claims threshold ≤ 3 claims and aggregate claims of $10,000

Optional Coverage

  • Additional Insured
  • Designated Construction Project(s) General Aggregate
  • Designated Location(s) General Aggregate
  • Employee Benefits Liability
  • Primary and Non-Contributory Coverage
  • Waiver of Subrogation
  • Pollution Liability
  • Assault & Battery
  • Inland Marine

Please note: classes and coverages may vary by carrier.

Eligible Classes

With hundreds of classes to choose from, view our searchable listing for our most current offering that includes:

  • Artisan contractors
  • Lessors’ risk only
  • Offices
  • Retail
  • Vacant buildings & land
  • Habitational
  • Day care centers
  • Truckers
  • Tattoo parlors
  • Security & patrol agencies
  • Real estate managers

Coverage Highlights

  • Up to $2.5M maximum total insured value
  • $500 minimum premium
  • Coverage for catastrophe-exposed perils available
  • Wind/Hail available for coastal properties

Optional Coverage

Our wide selection of optional coverages include:

  • Equipment Breakdown
  • Extended Coverage
  • Outside Signs
  • Spoilage

Please note: classes and coverages may vary by carrier.

Eligible Classes

Include but not limited to:

  • Habitational
  • Hospitality
  • Manufacturing
  • Mercantile & Retail
  • Lessors’ Risk (LRO)
  • Restaurants
  • Warehouses & Vacant Buildings

Prohibited Risks & Exposures

Risks with the following characteristics are ineligible: 

  • Properties undergoing structural renovations
  • Locations that have been vacant for more than 3 consecutive years
  • Properties scheduled for demolition
  • Properties with prior and/or existing damage
  • Risks with more than 3 claims within the previous 3 years
  • Risks with more than $25,000 total incurred during the previous 3 years

Underwriting Guidelines

  • Up to $5M in Excess limits
  • Supported & unsupported
  • Minimum attachment limits
    • General Liability $1M/$2M
    • Auto Liability $1M combined single limits
    • Employer’s Liability $500K/$500K/$500K
    • Employee Benefits Liability $1M/$1M
  • Up to $2.5M in total payroll or $5M in sales
  • Ability to consider up to 100% subcontracted work
  • Ability to perform exterior work on 3 stories or less
  • Both Residential and Commercial work can be considered

Targeted Risks

  • Lead Excess
  • Sales/Revenue ≤ $250,000 per insured
  • Payroll ≤ $100,000 per insured
  • Sole proprietors, 1-4 employees
  • No prior claims

Eligible Classes

  • Air Conditioning Systems or Equipment
  • Carpentry
  • Debris Removal – Construction Site
  • Electrical Work
  • Excavation
  • Floor Waxing
  • General Contractors
  • Janitorial Services
  • Landscaping
  • Masonry
  • Painting
  • Plumbing
  • Drywall or Wallboard installation

Coverage Highlights

  • $1M EL limits available
  • Coverage in all 50 states
  • Owner only policies available
  • Height / depth risk considered
  • Up to 25% schedule credit for main street business with Workers’ Comp experience

Please note: classes and coverages may vary by carrier.

Eligible Classes

With hundreds of classes to choose from, our core industries include: 

  • New Ventures
      • Quotes provided in less than 24 hours
  • Construction trades and roofers
      • $1,000 minimum premium
  • Trucking (long haul, loading/unloading, new venture and existing)
      • Long haul
      • Loading / unloading
      • New venture
      • Existing
  • Healthcare businesses
      • Nursing homes
      • Assisted living
      • Home health
      • Hospice
      • Hospitals
      • Doctor offices
      • Professional healthcare staffing

Coverage Highlights

  • $3MM capacity
  • 1st & 3rd party coverages
  • Ransomware
  • Breach response
  • Cyber crime
  • Business income
  • Hundreds of available classes

Targeted Business

Revenues up to $100MM

Ineligible Classes

  • Crypto
  • Cannabis
  • Casino / gaming
  • Foreign companies
  • Payment processors
  • Public entity / schools
  • Data storage / server provider

Please note: classes and coverages may vary by carrier

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