One national relationship.
Hedge serves eligible difficult commercial risks across the U.S. through one consistent relationship.
Why agencies choose Hedge over Risk Placement Services (RPS)
Hedge vs Risk Placement Services (RPS)
Consider Hedge when you prefer a focused national wholesale relationship with the same accountable team on the account. Risk Placement Services (RPS) may fit better when your agency needs a broad platform and already knows the RPS specialist who will execute. Confirm the proposed team, market route, and quoted terms for the account.
National reachResponsive serviceNo Hedge wholesale feeSame four-person team
Named-team wholesale optionHedgeResponsive service. No wholesale fee.
VS
Alternative service modelRisk Placement Services (RPS)National scale
NationalOne Hedge relationship for eligible difficult commercial risks across the U.S.
Quote supportPrompt review and clear updates as we pursue market quotes
Wholesale feeNo Hedge wholesale fee, no sub-brokering, and no layered commission stacks
Account teamThe same four people through intake, bind, renewal, and service
Why agencies choose Hedge
National reach. Responsive service. No Hedge wholesale fee.
These differences affect the next hard account.
Review by the team that owns the account.
Hedge reviews the file, identifies what is missing, and tells you whether there is a credible next step.
No Hedge wholesale fee.
No sub-brokering and no layered commission stacks. Premium, taxes, and filing charges remain account-specific.
One team owns it.
The same four people stay through intake, quote, bind, renewal, and service.
Recommendation
Where does Hedge fit your account?
Is the relevant RPS lane brokerage, binding authority, or a program?
The Hedge service model
Start here
Consider Hedge when these needs match.
- You prefer a focused national wholesale relationship with the same accountable team on the account.
- You want public packet guidance before the account enters a reviewable intake.
Next step: get appointed with Hedge.
Account fit
Consider Risk Placement Services (RPS) when these needs match.
- 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 the proposed team to confirm the specific route and service owner.
What happens after intake
With Hedge, ownership is obvious.
The same team reads the file, asks for what is missing, waits for your release authority, routes the account, and stays through service.
Where Risk Placement Services (RPS) may fit
Your agency needs a broad platform and already knows the RPS specialist who will execute.
Risk Placement Services (RPS)
Submit→Find division→Confirm desk→Name owner
Hedge
Team reviews file→Same four people→You approve release→Same team services
Hedge makes the owner and the release decision explicit. Ask Risk Placement Services (RPS) to map the same path before you send.
Side by side
Seven operating questions for the agency.
Compare the proposed team, actual route, and terms for the same account. Hedge's column describes its published service commitments. Competitor sources are linked below; confirm desk-level service and total cost directly.
| Decision | Risk Placement Services (RPS) | Hedge |
|---|---|---|
| Account fit | Your agency needs a broad platform and already knows the RPS specialist who will execute. | You prefer a focused national wholesale relationship with the same accountable team on the account. |
| National reach | National platform | Yes. Hedge serves eligible difficult commercial risks across the U.S. through one national service model. |
| First useful response | Ask the exact Risk Placement Services (RPS) team to commit to a response standard. | Prompt file review, clear quote updates, and market terms when available. |
| Who owns the account | Confirm the named desk, broker, handoffs, and post-bind service owner. The company name does not tell you which division, office, or broker will own the work. Name that team before comparing service. | The same four-person team through intake, quote, bind, renewal, and service. |
| Brokerage-side cost | Confirm Risk Placement Services (RPS)'s wholesale fees, commissions, and any intermediary layers. | No Hedge wholesale fee, no sub-brokering, and no layered commission stacks. Premium, taxes, and filing charges remain account-specific. |
| Before a market receives the file | Confirm when Risk Placement Services (RPS) treats intake as an authorized release and an actual market send. | The retail agent explicitly authorizes release. Receipt, review, release, and market send remain separate. |
| When Risk Placement Services (RPS) may win | 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. | Confirm Hedge can support the required class, state, coverage structure, and market route before deciding. |
An account to work through
Match the policy to the licensed operation.
Illustrative account example. This is a decision exercise, not a customer placement or a measured comparison of providers.
The situation
A care provider needs professional and general liability reviewed together, with one owner for unresolved underwriting documents.
What would change the choice?
The appropriate team must understand the operation and coordinate each requested coverage. Use specialty experience, actual terms and document follow-through to decide; a healthcare label alone does not settle the fit.
Read the related coverage or placement guideWhat to compare on this file
- Reconcile the facility license, services provided, staffing and exposure basis before treating the submission as complete.
- Compare general liability, professional liability and any separate abuse coverage by form, exclusions, reporting requirements and retroactive date.
- Check issued descriptions against the final underwriting documents and assign ownership of any endorsement correction.
Related work from a real Hedge account
Related cases describe Hedge’s work on separate real accounts. They do not establish that the other providers participated, declined the risk, charged more or would have produced a different result.
Correcting a residential-care policy after issuance
For a residential-care facility, Hedge gathered outstanding underwriting documents and then identified a mismatch between the issued policy description and the state license. The underwriter sent an endorsement, and the agent confirmed the correction looked right.
Issued policy and correction confirmed. An issued general and professional liability policy, followed by an endorsement correction confirmed in the underwriter and agent correspondence. Both liability lines used claims-made-and-reported forms with retroactive dates at inception. This case does not establish coverage for earlier acts, every requested line or additional future locations.
Hedge’s records reviewed .
Example reviewed by Hedge Specialty on . Explore verified account outcomes.
Common questions
Compare Hedge and Risk Placement Services (RPS) on speed, cost, ownership, and fit.
Review speed, fees, ownership, market release, and the cases where Risk Placement Services (RPS) may fit better.
Why choose Hedge over Risk Placement Services (RPS)?
Consider Hedge when you prefer a focused national wholesale relationship with the same accountable team on the account. Risk Placement Services (RPS) may fit better when your agency needs a broad platform and already knows the RPS specialist who will execute. Confirm the proposed team, market route, and quoted terms for the account. Hedge charges no wholesale fee and keeps a named four-person team on the account. These are service commitments, not a measured response-time advantage over Risk Placement Services (RPS).
How fast does Hedge respond?
Hedge reviews the file promptly, identifies missing information, and keeps you updated while pursuing market terms. Quotes depend on account eligibility, a complete file, and market response. There is no guaranteed turnaround or quote on every risk.
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.
Is Hedge cheaper to work with?
Hedge charges no wholesale fee, does not sub-broker accounts, and does not add layered commission stacks. That does not establish the lowest total cost for a particular account. Carrier premium, surplus-lines taxes, filing charges, and any other account-specific quoted costs still depend on the placement.
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.
Published and reviewed by Hedge Specialty on · 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.
Make Hedge your first call
Bring us the hard account.
Get a file review from the same team that will own the file through placement and service.