Your Trusted Partner for
Insurance and Surety Solutions
Built on experience and long-standing client relationships
About R.T. Insurance & Surety Consultants
Founded on trust, knowledge, and personalized service, R.T. Insurance & Surety Consultants is a second-generation, independent insurance agency based in Saint Louis, Missouri. We help business owners and individuals protect what matters most, with tailored insurance programs and responsive support from someone who truly understands your world. Whether you're a contractor needing fast bond approval, a transportation company managing risk, or a homeowner protecting your family's future, we provide reliable coverage and personal guidance every step of the way.
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Protecting Your Business from the Ground Up
Your business faces unique risks, from property loss and liability to employee injuries and cyber threats. We build commercial insurance programs that fit your operations, not the other way around.
Trucking & Transportation
NEMT
Taxi / Livery Programs
BOP
Workers Compensation
Commercial Auto
Commercial Property
General Liability
Umbrella / Excess Liability
Inland Marine
Professional Liability
EPLI
Cyber Liability
Crime Coverage
And More
Coverage for What Matters Most
We make protecting your personal assets simple and stress-free. From your home and vehicles to your most valuable possessions, our personalized approach ensures you have the coverage you need, without paying for what you don't
Homeowners
Auto
Umbrella
Life
Jewelry & Valuables
Surety Bond Expertise - Backed by In-House SBA Authority
As a leading surety-focused agency, we offer direct access to contract, license, permit, and court bonds. With in-house SBA underwriting authority, we can issue small business bonds quickly and efficiently, often when others can't.
Learn More About Surety Bonds →Experience. Integrity. Results.
- Local, independent expertise
- In-house SBA bond underwriting
- Fast turnaround times
- Access to top regional and national carriers
- Personalized service and long-term relationships
Let's Protect What You've Built
You deserve an insurance partner who understands your business, your goals, and your risk. Let's build a coverage plan that works as hard as you do.
Approved to offer SBA guaranteed bonds through the SBA's Surety Bond Guarantee Program