Get the first read while the account is still warm.
Hedge triages the file quickly, tells you what is missing, and saves the full quote promise for when the submission and market are ready.
Why agencies choose Hedge over Risk Placement Services (RPS)
Hedge vs Risk Placement Services (RPS)
Choose Hedge for a fast first read on a hard commercial risk, one accountable account team, and no sub-brokering or layered commissions. A broad Gallagher-owned wholesale platform with brokerage, binding, and program lanes. Role clarity should come before any feature comparison.
Fast first readSame four-person teamNo sub-brokering
Our recommendationHedgeFast, named, direct
VS
AlternativeRisk Placement Services (RPS)National scale
Fast meansA quick first read, then a full quote when the file is ready
Named meansThe same four people through intake, bind, renewal, and service
Direct meansNo sub-brokering, no layered commissions, and agent approval before market release
Why Hedge wins
Three reasons to put Hedge on the next hard account.
Not abstract platform language. These are differences a retail agent can feel in the work.
Know exactly who owns the file.
The same four-person team stays with the account through intake, quote, bind, renewal, and service. No rotating inbox and no re-explaining the risk.
Keep the path direct and controlled.
Named market access. No sub-brokering. No layered commissions. Hedge does not release the file to a market until you authorize it.
The recommendation
Hedge is the better choice when service ownership matters.
Risk Placement Services (RPS) may have more scale, a specialist facility, or an established local relationship. Hedge is built to make the difficult account feel owned.
Recommended
Choose Hedge when
You want speed, access, and accountability in one relationship.
- You prefer a narrow commercial wholesale relationship with the same accountable team on the account.
- You want public packet guidance before the account enters a reviewable intake.
- You want a fast first reply, a named four-person team, and a direct market path without layered commissions.
Best first step: get appointed or send the team a hard risk to review.
When Risk Placement Services (RPS) may make sense
Its strongest lane is exactly what the account needs.
- Your agency needs a broad platform and already knows the RPS specialist who will execute.
- A program or binding route is likely to fit better than a purely open-market process.
Ask before routing: Is the relevant RPS lane brokerage, binding authority, or a program?
Our actual take
Do not choose a logo. Choose the people and path that will move this account. Hedge should win when fast human response, one accountable team, and a direct placement relationship are more useful than Risk Placement Services (RPS)'s broader model.
Where Risk Placement Services (RPS) differs
A broad Gallagher-owned wholesale platform with brokerage, binding, and program lanes. Role clarity should come before any feature comparison.
RPS presents brokerage, underwriting, program, benefits, digital quoting, and data-led market resources under one national platform. That can matter. It should not outweigh the daily service experience unless the account actually needs it.
Find the exact desk
Side by side
Compare the things agents actually work with.
No generic checkmarks. These are the differences that affect response, routing, communication, and service.
| What matters | Risk Placement Services (RPS) | Hedge |
|---|---|---|
| Best for | Your agency needs a broad platform and already knows the RPS specialist who will execute | Hedge edgeRetail agents with a hard commercial risk who want speed, direct ownership, and a close working relationship |
| First response | Confirm the response standard for the exact Risk Placement Services (RPS) desk and broker. | Hedge edgeFast first reply. Full quote when the file is ready. If Hedge is slow, the team owes you a reason. |
| Account team | The experience can depend on the division, office, product lane, and named professional. The company name does not tell you which division, office, or broker will own the work. Name that team before comparing service. | Hedge edgeThe same four-person team stays with the account through intake, quote, bind, renewal, and service. |
| Market path | Wholesale brokerage, binding authority, and programs | Hedge edgeNamed access to hard-file markets with no sub-brokering and no layered commissions. |
| Submission control | Confirm when the exact Risk Placement Services (RPS) team considers a file released and sent. | Hedge edgeThe named Hedge team reviews first. Nothing is shared with a market until the retail agent authorizes release. |
| Preparation | Confirm the exact Risk Placement Services (RPS) desk's appetite and packet requirements. | Hedge edgePublic appetite, coverage, form, and submission guides help the agency build the file before intake. |
| Breadth and scale | Alternative edgeNational platform | A focused wholesale brokerage for difficult commercial risks, subject to current state and account fit. |
| Where the alternative is strongest | Alternative edgeRPS presents brokerage, underwriting, program, benefits, digital quoting, and data-led market resources under one national platform. | Hedge does not offer the same publicly documented national bench. Confirm that its smaller team has the class and state fit the account needs. |
Real-world calls
Three account scenarios. Two reasons to lean Hedge.
Use these to recognize the operating fit before the first conversation.
Scenario 01Lean Hedge
The account is hard and the clock is moving.
You want a fast first read, a clear list of what is missing, and one team to keep the file moving. You prefer a narrow commercial wholesale relationship with the same accountable team on the account.
Scenario 02Lean Hedge
You are done chasing handoffs.
You want the same four-person team through intake, quote, bind, renewal, and service. You want public packet guidance before the account enters a reviewable intake.
Scenario 03Lean Risk Placement Services (RPS)
A layered, multi-line, or multi-state account needs a large specialist bench.
This is the edge case where Risk Placement Services (RPS)'s model may be more useful: your agency needs a broad platform and already knows the RPS specialist who will execute.
Before you decide
Ask three questions that reveal the real experience.
Is the relevant RPS lane brokerage, binding authority, or a program?
What data and status views are available to the retail team?
Who owns servicing after a quote becomes a bound account?
Common questions
What agents ask before trying Hedge.
Clear answers about speed, ownership, market release, compensation layers, and getting started.
Why choose Hedge over Risk Placement Services (RPS)?
Choose Hedge when the quality of the working relationship matters more than platform size: a fast first reply, the same four-person account team, named market access, no sub-brokering or layered commissions, and explicit control before a file is released. Risk Placement Services (RPS) may still be useful when your agency needs a broad platform and already knows the RPS specialist who will execute.
How fast does Hedge respond?
Hedge promises a fast first reply and a full quote when the file is ready. A first reply is not a quote: class, complexity, submission quality, and market response still control the timeline. If Hedge is slow, the team owes you a reason.
How is the Hedge service model different from Risk Placement Services (RPS)?
Every Hedge account gets the same four-person team through intake, quote, bind, renewal, and service. Risk Placement Services (RPS)'s experience can vary by division, office, product lane, or named broker, so confirm the exact team that would own the account.
Does Hedge sub-broker accounts or add layered commissions?
No. Hedge describes its model as named access to hard-file markets with no sub-brokering and no layered commissions. The exact premium, taxes, fees, and compensation for a placement still depend on the account and quoted terms.
Will Hedge send my submission to markets immediately?
No. Hedge routes the submission to the named account team first and does not share it with markets until the retail agent authorizes a release. Receipt, release, market send, quote, bind, and issue are separate states.
Can Hedge guarantee a quote or placement?
No wholesale broker can honestly guarantee a quote from a public comparison page. Hedge reviews the class, state, coverage, facts, submission quality, and current market route before confirming what it can do.
Do I need to replace my Risk Placement Services (RPS) relationship to work with Hedge?
No. Hedge can earn a place on the difficult accounts where speed, direct ownership, and fewer handoffs matter. A productive existing Risk Placement Services (RPS) relationship can remain useful for accounts that fit its strongest lane.
How do I start with Hedge?
Licensed retail insurance professionals can request an appointment or submit a risk for review. Hedge will confirm agency fit and account fit separately; an appointment request is not approval, and a submission receipt is not a quote.
Reviewed 2026-08-29 · Risk Placement Services (RPS) facts: Risk Placement Services, IBA 2026 RPS profile · Research methodPublic information does not confirm fit, terms, access, or authority for a specific account.
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