What All Risks does

All Risks is a U.S. wholesale insurance brokerage founded in 1964 and headquartered in Hunt Valley, Maryland. Following its acquisition by Ryan Specialty on September 1, 2020, it operates as the RT Specialty wholesale brokerage division under the legal entity R-T Specialty, LLC. The firm serves independent retail insurance agents and brokers across all 50 U.S. states, providing access to specialty insurance markets, binding authority, and digital distribution platforms spanning personal lines, commercial lines, and specialty coverage. Its customer base spans 17 verticals including construction, real estate, manufacturing, healthcare, energy, transportation, hospitality, financial institutions, agribusiness, aviation, life sciences, private equity, public entity, rail and infrastructure, retail, sharing economy, and sports and entertainment.

The company's core product set comprises four operating platforms: RT Specialty (wholesale brokerage practices across property, casualty, professional and executive liability, transportation, and workers' compensation); RT Binding (binding authority platform for admitted and non-admitted market submission and binding); RT Connector (a digital marketplace connecting retail brokers with wholesale products and underwriting managers); and QuickHome (an online quoting platform for personal lines and homeowners insurance with real-time rate generation, credit-card processing at 3.5%, and storm-moratorium alerting). The Homeowners Online Quoting Platform includes a catastrophe monitoring system that updates moratorium and cease-bind messages during weather events. Sub-brands retained post-acquisition include QuickHome, RT Connector, and RT Binding.

All Risks generates revenue primarily through wholesale brokerage commissions — transaction fees earned from insurance carriers for placing specialty coverage on behalf of retail agents and brokers via binding authority and wholesale brokerage services. Pricing is opaque and not publicly disclosed, consistent with industry standards. The go-to-market motion is a hybrid channel-partner model combining digital self-serve tools (RT Connector, QuickHome) with traditional wholesale broker relationships. The company maintains a 501-1000 employee base and is led by Founder and CEO Allan Mitchell alongside CAO Mark Melander and senior vice presidents including Hugh Mooney (Sales), Rex Regan, and Christopher McGovern. All Risks / RT Specialty was recognized in 2025 by Insurance Business Magazine as a 5-Star Wholesale Broker and MGA, as a Top Insurance Employer, and by the Wall Street Journal as one of America's Top 100 Most Loved Workplaces.

Name

All Risks

Legal name

R-T Specialty, LLC

Website

https://allrisks.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

501–1,000 employees

Short description

All Risks, now RT Specialty, is a U.S. wholesale insurance brokerage operating across all 50 states as the wholesale brokerage division of Ryan Specialty, serving retail insurance agents and brokers with binding authority, digital marketplace (RT Connector), and online personal lines quoting (QuickHome) across 17 commercial verticals.

Ownership category

akta.pro rank

Product category

Wholesale Insurance Brokerage

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Wholesale insurance brokerage
• Specialty insurance distribution
• Binding authority services
• Online insurance quoting
• Retail broker network

Headquarters

HQ city

Hunt Valley

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales

Revenue model

1. Wholesale Brokerage Commissions: Earns commissions from insurance carriers for placing specialty insurance coverage on behalf of retail agents and brokers. Revenue derived from premium volume placed through binding authority and wholesale brokerage services.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

All Risks, now operating as RT Specialty, is an independent wholesale insurance brokerage that distributes specialty insurance products to retail agents and brokers across all 50 U.S. states. The firm provides binding authority services, online quoting through the QuickHome platform, and a digital marketplace (RT Connector) enabling retail brokers to access admitted, non-admitted, and specialty insurance markets. Core activities include policy placement, underwriting referral, binding, and catastrophe response for retail distribution partners.

Product overview

All Risks (now RT Specialty) operates as a wholesale brokerage and underwriting management platform within Ryan Specialty. The core offering consists of RT Specialty's wholesale brokerage practices covering property, casualty, professional & executive liability, transportation, and workers' compensation lines. The platform includes binding authority capabilities, the RT Connector digital marketplace for broker connectivity, and QuickHome Online Quoting for personal lines. The portfolio spans multiple product areas including Accident & Health, Cyber, Environmental & Construction Professional, Marine, Personal Lines, Surety, and Transactional Risk, serving industries such as Construction, Energy, Healthcare, Real Estate, Transportation, and 13 other sectors.

Differentiator

Problem solved

Functional benefit

Brands

• QuickHome: Personal lines online quoting platform including QuickHome Online Quoting
• RT Connector
• RT Binding

Products and services

• RT Specialty Wholesale Brokerage Independent wholesale insurance brokerage distributing admitted, non-admitted, and specialty insurance products to retail agents and brokers across all 50 U.S. states.
• RT Binding Authority Binding authority service that allows retail agents and brokers to underwrite, bind, and issue policies directly through All Risks' delegated authority arrangements with carriers.
• RT Connector Digital Marketplace Online marketplace that connects retail insurance brokers with wholesale insurance products, enabling electronic submission, quoting, and placement across multiple markets.
• QuickHome Online Quoting Online quoting platform that allows retail agents to obtain quick quotes for personal lines and small commercial risks, with availability for SMB and individual consumer submissions.

Segments3 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Ryan SpecialtycoreStrategic or Co-development Partner · 1 September 2020Ryan Specialty acquired All Risks, Ltd. effective September 1, 2020. All Risks now operates as RT Specialty wholesale brokerage division under the Ryan Specialty parent company, gaining access to expanded product lines, underwriting managers, and national platform resources.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Amwins: Largest US wholesale insurance broker and MGA, distributing specialty and E&S products to retail brokers nationwide through proprietary digital platforms - directly comparable in scale, lines, and distribution model to All Risks/RT Specialty.
• Risk Placement Services (RPS): Major wholesale broker and MGA serving retail agents with specialty and E&S placements across property, casualty, professional lines, and personal lines - a near-identical business model and product breadth to All Risks.
• CRC Insurance Group: Wholesale broker and specialty MGA distributing property, casualty, and specialty products to retail agents across the US - directly comparable in distribution channels, carrier relationships, and product mix.
• Burns & Wilcox: Specialty wholesale insurance broker serving retail agents with surplus lines, admitted specialty, and personal lines including high-net-worth homeowners - a close comparable to All Risks across both commercial specialty and QuickHome-like personal lines.
• Brown & Riding: Wholesale brokerage and MGA specializing in property, casualty, professional liability, and excess & surplus lines distributed through retail agents - comparable niche focus and producer-driven model.
• Crump Insurance Services: Wholesale insurance broker offering specialty, excess & surplus, and life insurance products through retail agents - comparable distribution model with overlapping specialty product lines.
• ARC Excess & Surplus: Wholesale broker focused on E&S placements and specialty programs for retail agents, with strength in construction, hospitality, and habitational risks - comparable specialty distribution overlap with All Risks' industry verticals.
• Lois & Associates (LOIS): National wholesale broker offering commercial and personal lines specialty placements to retail agents, including binding authority and online quoting - directly comparable operating model in both commercial specialty and personal lines.

Broad incumbents

• Marsh: Global insurance brokerage giant whose Marsh Specialty and personal lines practices overlap with All Risks' product set, but at vastly greater scale and as part of a full-service retail brokerage platform.
• Aon: Global risk advisory and insurance brokerage whose specialty and personal lines practices intersect with All Risks, though Aon operates across the full insurance value chain rather than as a pure wholesale distributor.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCew824sPCrKcGoeGBbwFF4A
• LinkedInlinkedin.com/company/all-risks-ltd
• Xx.com/allrisksltd
• Facebookfacebook.com/allrisksltd

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about All Risks