Commercial

How does RT Specialty access surplus lines markets?

RT Specialty is a wholesale surplus lines broker, not a direct carrier. When an admitted carrier declines a commercial risk, we access the E&S market through RT Specialty, who shops the risk across multiple non-admitted specialty carriers including Lloyd's syndicates, Markel, AmRisc, and others. RT Specialty places more by premium volume than most retail agents can access directly. The trade-off: surplus lines policies are non-admitted, meaning Georgia's Insurance Guaranty Association does not back claims if the carrier becomes insolvent. For standard commercial risks, we always try the admitted market first.

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How does RT Specialty access surplus lines markets?

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