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.
Available Products
States
Classes
Lines of Business
Carriers
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
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
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
COVERAGE HIGHLIGHTS
- $3MM capacity
- 1st & 3rd party coverages
- Ransomware
- Breach response
- Cyber crime
- Business income
- Hundreds of available classes
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
- $1000 minimum premium
- Trucking
- Long haul
- Loading / unloading
- New venture
- Existing
- Healthcare businesses
- Nursing homes
- Assisted living
- Home health
- Hospice
- Hospitals
- Doctor offices
- Professional healthcare staffing
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.
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
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
Five Hundred
Class codes available in The Connector, and growing!
I love it. I am going to make it my sole E&S platform. RT Connector having 4 top carriers and significant appetite makes it a no-brainer!
Roberto L.
Lasa Links Insurance — Coral Gables, FL
Let's Connect!
Have a question, see something we could improve, have a market to recommend, or a big idea to share? Let's connect!
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