Olive Cover
About
🍑 Georgia
Free Coverage Review
AvailableWe write this commercial coverage for Georgia businesses.Personal LinesCommercial Lines

Commercial Lines

RT Specialty Surplus Lines

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

Free Coverage Review← Compare all carriers

Financial Strength

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

Revenue Appetite

Writes across revenue ranges; limited by risk class rather than account size

Key Industries

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

RT Specialty

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.

BOP Appetite

Places E&S BOP and package policies for hard-to-place commercial risks through surplus lines markets

Industry Classes

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

Do We Work With Them?

Yes, for hard-to-place Georgia commercial placements.

Quick qualifier

Is This Carrier Right for Your Business?

✓ Best Fit Profile

Georgia businesses with complex, unusual, or high-hazard risk profiles that admitted carriers decline, needing access to a wide network of E&S markets through a top-tier surplus lines wholesaler.

⚠ Not the Right Fit If...

Standard commercial accounts that qualify for admitted market coverage. RT Specialty is a wholesale E&S resource, not a direct standard market option.

✓ Strengths

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

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

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

⚠ Weaknesses

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

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

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

Claims

What Happens When You File a Claim

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

What It Typically Costs

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.

Comparison

How They Compare

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

Not sure this carrier is right for your business?

We shop multiple carriers to find your best fit.

Free Coverage ReviewCompare All Carriers

Coverage

Commercial Lines We Place With This Carrier

Coverage type

View coverage

Compare Commercial Coverage for Your Business

We work with multiple A-rated commercial carriers and find the right fit for your business. Free review, no obligation.

Free Coverage Review

Common questions

What does a free coverage review actually involve?

You share your current policy or tell us what you have. We review it and tell you what you are covered for, what you are missing, and what it would cost to fix any gaps.

Read full answer →

Is Olive Cover going to try to sell me something?

We are going to tell you what we find. If your current coverage is right we will tell you that. You decide.

Read full answer →

My renewal went up. Should I shop around?

Usually yes, especially if it went up more than 15 percent. We can run quotes across our carrier network within a business day.

Read full answer →

What is the difference between my insurance carrier and my insurance agent?

Your carrier is the company that actually pays your claim. Your agent is who you buy from.

Read full answer →