Small Business Insurance

SME, Contract Binding, Small Commercial, Authority and Small Business Insurance are all terms used to describe what we refer to as Binding Authority at RT Specialty. Simply stated, our underwriters are here to provide a solution to your clients’ insurance needs. Call on the expertise of our professional problem solvers to craft the right solutions to meet the unique needs of your customers. With access to a variety of admitted and non-admitted markets, our in-house binding agreements allow us to combine quick turnaround with the authority to secure coverage regardless of the complexity of risk. In addition to providing solutions for individual risks, we offer full program capabilities with the expertise to take your program from idea to strategy to execution and management.

Target Classes

  • General Liability
    • Manufacturing
    • Start-ups
    • Vacant Properties
    • LRO
    • Contractors (including NY)
    • Habitational
    • Restaurants
    • Bars/Tavern/Liquor
    • Motel/Hotel
    • Plowing
    • Special Events
  • Workers' Compensation
    • 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)
  • Property
    • Vacant
    • Coastal
    • Distressed
    • Habitational
    • Warehouse
    • Subsidized/Student Housing
    • Umbrella/Excess
  • Umbrella/Excess
    • $1 million to $10 million limits
  • Other Coverages
    • Builder’s risk
    • Contractor’s equipment
    • Motor truck cargo
    • Hole-in-one
    • Event cancellation/weather
    • Crime
    • Misc. professional liability
  • Liquor Liability
    • Restaurant
    • Bar
    • Nightclub
    • BYOB/Host
    • Special events
    • Caterer
    • Package or monoline coverage available
    • Other coverages

Disclaimer: All classes and lines of coverage may not be available in all states. For current availability, please contact your local RT Specialty broker or underwriter

Get a Quote

RT Specialty offers easy, instant quoting, online and by telephone, for a wide variety of products.


Submission Requirements

  • ACORD form
  • Supplemental application
  • Three years currently valued loss runs
  • Description of operations


RT Specialty is a division of RSG Specialty, LLC, a Delaware limited liability company based in Illinois. RSG Specialty, LLC, is a subsidiary of Ryan Specialty Group, LLC (RSG).  RT Specialty provides wholesale insurance brokerage and other services to agents and brokers. As a wholesale broker, RT Specialty does not solicit insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. In California: RSG Specialty Insurance Services, LLC (License # 0G97516).  ©2021 Ryan Specialty Group, LLC.

Get a Quote
Submit a Risk
  • Brokerage, binding and program capability
  • Admitted and non-admitted carriers
  • Available nationwide – carriers will vary by state.
  • Monoline and package available
  • General Liability
  • Property
  • Inland Marine
  • Package
  • Lessor’s Risk only
  • Liquor Liability
  • Professional Lines

Need Help Right Now?

Complete the short form and a Ryan Specialty Group associate will contact you, or call 800-366-5810.

Ryan Specialty Group and All Risks Finalize Merger

Ryan Specialty Group, LLC (RSG) and All Risks are pleased to announce the completion of the transaction to merge the two firms into Ryan Specialty Group. RSG is an insurance specialist providing services in wholesale brokerage and delegated underwriting authority in the form of binding authorities, programs and managing general underwriting companies. The combination of All Risks and RSG, with roughly 3,300 employees and 70+ offices across the United States, the United Kingdom and Europe, is projected to handle nearly $15 Billion in premium during 2020. Read more.