Why agencies choose Hedge over RT Connector

Hedge Specialty vs RT Connector

Consider Hedge when the account needs individual wholesale review, discussion of exposures and an agreed release plan. RT Connector may fit better when the risk fits a supported RT Connector product and your agency wants an online quoting and binding workflow. Confirm the proposed team, market route, and quoted terms for the account.

National reachResponsive serviceNo Hedge wholesale feeSame account team

Send Hedge your file Get appointed with Hedge

Named-team wholesale optionHedgeResponsive service. No wholesale fee.

Alternative service modelRT ConnectorMarket access platform

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 teamYour account team through intake, bind, renewal, and service

Understand the alternative

What RT Connector actually offers.

RT Specialty digital marketplace for supported quoting, binding and servicing workflows. Product- and state-specific marketplace; confirm eligibility for the selected route.

The published service model

RT Specialty describes RT Connector as a retail-agent marketplace for quoting, binding and account management. Its page says out-of-appetite risks are referred to an RT Specialty underwriter or broker. Digital eligibility and a referred placement are separate decisions.

Official public workflow and product-role descriptions checked November 10, 2026. Access and account terms remain subject to the selected route. Read the primary source ↗

Published areas of focus

Digital E&S and supported admitted products
Small-commercial quoting
Referral to RT Specialty brokers or underwriters

Questions specific to this choice

Which RT Connector product fits the class, state, values and required coverage?
Is the result a bindable quote, an indication or a referral, and what conditions remain?
Which RT underwriter or broker takes responsibility if the marketplace cannot complete the placement?

RT Connector is a marketplace within RT Specialty, not a separate all-purpose broker. Compare a supported digital product with the broker-led route needed when a risk falls outside its rules.

Why agencies choose Hedge

National reach. Responsive service. No Hedge wholesale fee.

These differences affect the next hard account.

01 / national

One national relationship.

Hedge serves eligible difficult commercial risks across the U.S. through one consistent relationship.

02 / quotes

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.

03 / fees

No Hedge wholesale fee.

No sub-brokering and no layered commission stacks. Premium, taxes, and filing charges remain account-specific.

04 / service

One team owns it.

The account team stays through intake, quote, bind, renewal, and service.

Recommendation

Where does Hedge fit your account?

Which RT Connector product fits the class, state, values and required coverage?

The Hedge service model

Start here

Consider Hedge when these needs match.

The account needs individual wholesale review, discussion of exposures and an agreed release plan.
You prefer the same account team through service and no Hedge wholesale fee.

Next step: send the file you already have for review.

Account fit

Consider RT Connector when these needs match.

The risk fits a supported RT Connector product and your agency wants an online quoting and binding workflow.
You already use RT Specialty and want the marketplace's referral route when a file needs broker or underwriter judgment.

Ask the proposed team to confirm the specific route and service owner.

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	RT Connector	Hedge
Account fit	The risk fits a supported RT Connector product and your agency wants an online quoting and binding workflow.	The account needs individual wholesale review, discussion of exposures and an agreed release plan.
National reach	Product- and state-specific marketplace; confirm eligibility for the selected route	Yes. Hedge serves eligible difficult commercial risks across the U.S. through one national service model.
First useful response	Supported products may return online quotes; an exception can become a broker or underwriter referral. Confirm which result you received.	Prompt file review, clear quote updates, and market terms when available.
Who owns the account	Confirm whether the account remains in the marketplace or is assigned to an RT Specialty underwriter or broker, including post-bind service.	The same account team through intake, quote, bind, renewal, and service.
Brokerage-side cost	Compare the selected product quote and RT Specialty terms, including taxes, charges and commission. A marketplace does not have one universal account price.	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	Review the selected product requirements and referral step before assuming a saved application has been sent, quoted or bound.	The retail agent explicitly authorizes release. Receipt, review, release, and market send remain separate.
When RT Connector may win	The risk fits a supported RT Connector product and your agency wants an online quoting and binding workflow. You already use RT Specialty and want the marketplace's referral route when a file needs broker or underwriter judgment.	Confirm Hedge can support the required class, state, coverage structure, and market route before deciding.

An account to work through

Follow the account when the quote path refers.

Illustrative account example. This is a decision exercise, not a customer placement or a measured comparison of providers.

The situation

A property owner produces an RT Connector indication but the account requires a coverage exception. The agent needs to identify whether the digital path can finish or an RT specialist or Hedge broker must review it.

What would change the choice?

Use an automated route when eligibility and returned terms work for the risk. When they do not, compare the quality of the referral handoff and the next substantive action instead of assuming that speed on eligible accounts carries over.

What to compare on this file

Test the actual class, state, operations and requested limits against the current quote path. Record what caused a referral.
Confirm whether a displayed result is an indication, a quote subject to review, or terms that can proceed to a bind request.
Name the person handling exceptions and confirm whether the existing application and attachments transfer into the manual review.

Example reviewed by Hedge Specialty on 2026-09-09. Explore verified account outcomes.

Common questions

Compare Hedge and RT Connector on speed, cost, ownership, and fit.

Review speed, fees, ownership, market release, and the cases where RT Connector may fit better.

What does RT Connector do?

When might RT Connector fit better than Hedge?

The risk fits a supported RT Connector product and your agency wants an online quoting and binding workflow. You already use RT Specialty and want the marketplace's referral route when a file needs broker or underwriter judgment. Confirm the current account fit, service responsibilities and written terms before choosing.

How is this different from working with Hedge?

RT Specialty digital marketplace for supported quoting, binding and servicing workflows. Hedge works as a wholesale broker on the account. Compare the selected product or partner, referral needs, service responsibilities and complete quoted terms rather than assuming both routes perform the same task.

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 RT Connector 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 RT Connector 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 2026-11-10 · RT Connector facts: RT Connector official workflow · 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.