Binding Authority

RT Binding Authority (RT Binding) is one of the largest binding authority platforms in the nation and an industry leader providing insurance agents and brokers with specialty coverage solutions. We have experienced underwriting teams that take pride in swiftly delivering personalized, expert E&S coverage for small- and mid-sized accounts.

With access to an extensive array of high quality carriers, our in-house binding trading partnerships allow us to provide quick turnaround and the authority to underwrite and secure coverage regardless of the complexity of the risk.  Our RT Binding underwriters work constantly and relentlessly to earn our clients’ trust and business.

  • Bars / Taverns / Liquor
  • Day Care – Adult and Children
  • Habitational
  • Restaurants – Including Liquor
  • Selected Mercantile
  • Manufacturing
  • Liquor Liability
  • Motel/Hotel
  • New Ventures
  • Lessors Risk
  • Special Events
  • Snow Plowing
  • And many more…

Package or Monoline coverages available

  • Builder’s Risk (Ground Up and Renovations)
  • Coastal Properties
  • Contractors Equipment
  • Equipment Breakdown Coverage
  • Habitational
  • Motor Truck Cargo
  • Protection classes 9 & 10
  • Vacant Properties
  • Vacant Properties under Renovation
  • Warehouses
  • And many more…

Package or Monoline coverages available

  • Alarm Installation
  • Artisan Contractors
  • General Contractors (including paper GC’s)
  • Remodeling
  • Roofers
  • Specialty Contractors
  • And many more…

Package or Monoline coverage available

  • Primary Umbrella
  • Excess Liability
  • Excess Auto
  • Auto Repair
  • ATV Dealers and Repair
  • Contractors Equipment Dealers
  • Detailers
  • Heavy Truck Dealer and Repair
  • Motorcycle Dealers and Repair
  • Valet Parking
  • And many more…
  • Direct appointments with most major mono-line guaranteed costs carriers
  • Ability to write tougher risks
  • Ability to write high experience modifications
  • Low minimum premiums and high maximum premiums
  • Broad appetite across all industries (except NJ, NY, and MA)
  • Local, Intermediate and Long-Haul Trucking
  • Primary Auto, physical damage, Motor Truck Cargo and GL packages available
  • Non-Trucking Liability
  • Fleet and non-fleet risks
  • Dry van, refrigerated van, flatbed, dump trucks, etc.
  • And many more…


RT Binding has significant relationships with the majority of the top-rated Excess and Surplus Lines Domestic and London Markets. The RT Binding difference is our outstanding underwriting expertise coupled with our long-term connections with carrier underwriters and leaders. These relationships and connections result in industry leading access to broad and competitive products delivered with superior customer service; we get the job done!

The RT Binding breadth of carriers, products and knowledge, allows us to deliver on our promise of providing our customers with first rate solutions for all of their E&S risks!

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