RT Connector

RT Connector is RT Specialty’s proprietary Digital Marketplace for Small Commercial E&S Business and Cyber Liability. The coverage process is streamlined, top-rated market access is multiplied, and robust third-party tools are harnessed to allow the RT Specialty contracted agent to rate, quote, bind and issue a policy within minutes.

With a single streamlined application, RT Connector generates multiple quotes from multiple carriers allowing the user to select the best quotes for numerous lines of business. To ensure that your business is covered, if the risk doesn’t fit the RT Connector appetite, it is automatically referred to the RT Specialty broker or underwriter of your choice.

Please see below for the coverages offered through RT Connector.

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Available Products

States

Classes

Lines of Business

Carriers

General Liability

COVERAGE HIGHLIGHTS

$500 minimum premium
$1M/$2M maximum limits of liability
Maximum exposure thresholds
- Sales/Revenues ≤ $5M
- 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
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 offerings that include:

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

GENERAL LIABILITY CHEAT SHEET

Property

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 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

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

PROPERTY CHEAT SHEET

Excess Liability

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
- Employer’s 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

EXCESS LIABILITY CHEAT SHEET

Workers' Comp

COVERAGE HIGHLIGHTS

Broad appetite for underserved classes
Strong underwriting with national and regional expertise
300+ classes available for quoting
New ventures considered
Multi-state capabilities
Superior claims and loss control services
Flexible payment options and billing plans
Coverage available in most states
$1M Employers Liability limits available
Owner only policies available
Height / depth risks considered

Please note: classes and coverages may vary by carrier.

ELIGIBLE CLASSES

Accommodations
Artisan Trade Contractors
Automotive Services and Dealers
Auto Recycling / Salvage
Camps
Chemical Blending
Clubs
Educational Services
Entertainment / Arts
Farming
Food Services
Gun Ranges
Health Care including Home Health and Skilled Care Facilities
Heavy Construction
Hospitality
Landscaping
Last Mile Delivery* (Requires 2+ years in business)
Livestock Raising / Dealer
Manufacturing
Pallet Box Manufacturing
Professional Services
Recreation / Leisure
Restaurants / Taverns / Night Clubs
Retail / Wholesale Stores
Schools
Social Services
Towing
Transportation
Trucking
Warehouse

WORKERS’ COMP CHEAT SHEET

Cyber Liability

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 coverage may vary by carrier.

TARGETED BUSINESS

Revenues up to $100MM

INELIGIBLE CLASSES

Crypto
Cannabis
Casino / gambling
Foreign companies
Payment processors
Data storage / server provider
Please note: classes and coverages may vary by carrier.

CYBER CHEAT SHEET

Trucker's Coverage

TRANSPORTATION COVERAGE

Automobile Liability
Motor Truck Cargo
General Liability
Auto Physical Damage
Truckers For Hire
Local, Intermediate & Long Haul
1-10 power units
Non-Trucking Liability
New Ventures

TARGETED CLASSES

Dry Van
Reefer
Flatbed Operations
Auto Haulers
Intermodal with UIIA endorsement

AVAILABLE STATES

Admitted Auto Liability: GA, FL, IL, NC, NV, OH, SC, WI
Non-Admitted Auto Liability: AL, AZ, AR, CA, CO, DE, ID, IA, ME, MD, MI, MN, MO, MS, MT, NE, NH, NJ, ND, OH, OK, OR, RI, PA, SD, TN, TX, UT, VA, VT, WV

OPTIONAL COVERAGES

Trailer Interchange
Primary Non-Contributory
Waiver of Subrogation

AUTO LIABILITY GUIDELINES

Tractors & trailers must be newer than 20 years old
Drivers age 23-73 with no violations
2 years minimum driving experience with like vehicle
No prior claims
New ventures are eligible

INELIGIBLE CLASSES

Ambulance, EMT & Mobile Blood Banks
Armored Cars, Arms, Ammunition & Fireworks
Automobile Dismantlers
Boat Haulers
Boom Trucks
Brokerage
Cannabis Haulers
Carnivals & Circus
Cement Mixers & Pumpers
Coal Haulers
Contractor Equipment & Mobile Equipment
Cotton Haulers
Courier Services, Magazines, News Delivery, Parcel & Film Delivery
Drive Away & Transporter Plates
Driving Schools
Dump Trucks
Fast Food Delivery & Restaurant Take-Out Delivery
Final Delivery
Freight Brokerage
Garbage / Refuse
Hazmat, Nuclear & Biological
Livestock Transporters
Logging Operations
Milk Haulers
Mobile Cranes & Vehicles With Buckets
Mobile Home Toters & Builder Movers
Municipal
Operating Outside of US
Operations Using Double / Triple Trailers
Oversized / Overweight Haulers
Owned Units, Rented or Leased to Others
Private Passenger Vehicles
Public Livery: Buses, Taxis, Black Car, Rideshare, Shuttle, Day Care & Church
Rental Leasing & Demo Vehicles
Salvage & Scrap Metal
Sand & Gravel Egg Haulers
Steel Dealers
Tankers Hauling Flammable Liquids
Towing Repossession
Vendor Trucks

TRUCKERS CHEAT SHEET

Advantages of RT Connector

Reduce Costs, Increase Margins

Market your risks more efficiently, cutting costs and increasing profits.

Save Time

Single app. Minimum questions. Multiple quotes from multiple carriers. Bind & issue in minutes.

Access Everywhere

100% digital. Access anywhere at any time from any device.

Complete a single streamlined application

Tell us a little about your client and risks. You can even upload completed ACORD forms to jump-start the process!

Receive and compare multiple, bindable quotes

Select the best quotes for multiple LOBs from various top-rated carriers.

Generate and purchase policies online

Bind and sign online instantly — no loss runs or supplemental applications needed.

Manage your accounts

Service the policy — payments, endorsements, cancellations, and renewals are quick and easy.

Access To Top Carriers

Multiple top-rated E&S carriers in a single digital marketplace.

Zero

ACORD forms, supplementals, or loss runs needed to quote in The Connector

The speed of RT Connector and the fact that I don't need to fill out any ACORD forms or supplementals is really important because turnaround time is what can make or break the sale.

Jennifer R.
Knabe Insurance — Prairie Village, KS

Ten

Minutes to complete a submission and receive bindable quotes.

I absolutely love the ease of access — it is so simple to get a quote. Quote to bind is important for us. RT Connector makes it so much easier for us to do our job. It's seamless!

Ali B.
Insurance Medics — Davie, FL