Market Highlights

• Under 80% subcontractor payroll
• Specific and blanket WOS available
• Maximum premium is $250K
• Available in 38 states and Washington D.C
• Maximum allowable e-mod is 1.99, minimum allowable e-mod is 0.40
• Coverage offered to sole proprietors with no employees as long as the sole proprietor is included in the coverage

Preferred Classes Codes

• Breweries and distilleries
• Drinking places (i.e., bars, lounges, taverns)
• Landscape contractors and lawn care services
• Manufacturers (various)
• Pet sitting services
• Plumbing, HVAC and electrical contractors
• Residential cleaning services
• Restaurants
•  Home healthcare 
•  Trucking 

Ineligible

• Cannabis / Marijuana / THC
• Chemical manufacturing
• Employee leasing, staffing, or temporary worker firms
• Medical transportation
• Oil, gas, mining or on-site support work for those applicants, on or offshore
• Public entities
• Railroad operations and construction

Worried that a particular risk might not fit RT Connector's WC appetite?
No problem! Your application will be seamlessly referred to an RT WC broker for marketing to our WC carriers not on the platform. 

Start quoting PIE Workers' Compensation with RT Connector!

Exceptional Service

The RT Connector team can assist via chat, email or phone at 833.774.2628.

*Quotes are subject to certain conditions and requirements to finalize pricing and terms.

The description of this product is only a summary of available coverages. Actual policy language will dictate the scope of coverage in the event of a claim. Agents should read the full policy form and any applicable endorsements for full terms and conditions and should encourage their policyholders to do the same.


RT Connector is a division of Ryan Services Group, LLC (in California: RSG Marketing Insurance Services, LLC, License # 0I56030), a Delaware limited liability company based in Illinois. RT Connector is an excess and surplus lines insurance portal providing RT Specialty contracted agents and brokers with multi-line and multi-carrier quoting, binding and policy issuance. RT Specialty is a division of RSG Specialty, LLC (in California: RSG Specialty Insurance Services, LLC, License #0G97516), which is the licensed broker providing insurance services through RT Connector.  Neither RT Connector nor RT Specialty solicits insurance from the public. Some products may only be available in certain states, and some products may only be available from surplus lines insurers. RT Connector and RT Specialty are subsidiaries of Ryan Specialty, LLC.  ©2026 Ryan Specialty, LLC