Risk Placement Services review for retail agents: programs, access and binding authority
Risk Placement Services, or RPS, is Gallagher's wholesale arm. It offers brokerage, binding authority (the power to commit a carrier to coverage), more than 50 programs and online platforms for admitted and small business accounts.
It suits agencies that want one wholesaler for both hard-to-place and standard small commercial. You register online in myRPS and sign the retail producer agreement.
- Best for
- Agencies that want brokerage, binding, programs and admitted small commercial markets from one wholesaler
- Type
- Wholesale broker, MGA and program administrator, owned by Gallagher
- Lines
- Property, casualty, professional, cyber, transportation, workers comp, standard commercial and personal lines
- Access
- Register in the myRPS portal, upload a W-9 and E&O proof and sign the retail producer agreement
- Authority
- Binds for carriers and as a Lloyd's coverholder, a firm Lloyd's approves to bind for its syndicates. RPS Small Business quotes, binds and issues online
- States
- National, with programs that vary by state
Our take
RPS covers a wide range of risks. Brokerage specialists handle industries from aviation to agriculture, and RPS binds for carriers and as a Lloyd's coverholder.
For small accounts it has online tools. Standard Express compares admitted carriers, and RPS Small Business binds professional, cyber and comp in minutes.
It also keeps claims and premium finance in house, through RPS Claims and First Premium. The producer agreement itself isn't public, so commission terms come after you sign.
Pros
- Admitted and E&S markets under one appointment
- Online quote, bind and issue for small business lines
- In-house claims examiner on each account
- Its own premium finance company
- myRPS reports on commissions and expiring policies
Cons
- Online platform policies don't show in the myRPS Policies tab
- E&S Personal Lines Express is Florida only
- Platform access can depend on your network
- Commission terms aren't published
Who they work with
- Who can submit
- Licensed agencies registered and approved in myRPS
- How to get access
- Choose Start doing business with RPS at my.rpsins.com and complete the registration
- Requirements
- Your organization NPN, a responsible producer NPN when needed, a W-9, E&O proof and a signed retail producer agreement
- Rating platforms
- Availability can depend on your association or group membership
Create an admin profile
Start at my.rpsins.com and set up the agency administrator.
Enter agency details
Add NPNs, your accounting contact and addresses.
Upload and sign
Add the W-9 and E&O proof, then sign the retail producer agreement or send it to a signer.
Wait for approval
RPS reviews the registration and emails next steps. Your admin then adds users.
Programs and what they write
| Program | Type | Lines |
|---|---|---|
| National brokerageSpecialists by line and industry | Wholesale broker | Property, casualty, professional, transportation, marine, aviation and healthcare |
| MGA and binding authorityCarrier and Lloyd's binding authorities | MGA | Specialty property, casualty and professional |
| RPS ProgramsMore than 50 programs | Program | Workers comp, contractors, habitational, recreation, public entity and professional |
| Standard Lines and Standard ExpressComparative rating across standard carriers | Online platform | Package, BOP, auto, comp, umbrella, management liability and personal lines |
| RPS Small BusinessOnline quote, bind and issue | Online platform | Professional, cyber, contractor pollution, cargo and workers comp |
| E&S Personal Lines ExpressHard-to-place personal lines | Online platform | Personal lines |
Primary Property has a $10,000 minimum in the 48 contiguous states except Louisiana, Oklahoma and Mississippi. Contractor's Pro is open in 32 states and PodiatryChoice in 42.
Sample RPS programs
- California workers comp for farms, contractors and healthcare
- Michigan self-insurance funds
- Crane, rigging and scaffolding
- Camps, golf clubs and outdoor recreation
- PEO and temporary staffing
- Large public entities
Brokerage industries
- Agriculture and energy
- Aviation and marine
- Construction and environmental
- Healthcare and education
- Real estate and hospitality
- Technology and transportation
How to submit
- How it works
- Send brokerage and program accounts to a local office or specialist team. Quote small business, standard lines and some E&S online
- Submit by
- Local office, the myRPS product search, RPS Standard Express, RPS Small Business or USLI through RPS
- Standard Express uploads
- Commercial applications can come straight from your agency system
- Speed
- Online platforms quote, bind and issue in minutes
Quote and bind authority
"Takes your submission" means you send the risk to the firm, and "Underwrites" means its own staff set the terms. "In house" under Binds means the firm can commit the carrier without asking first. A blank cell means the firm hasn't published that step.
| Program | Takes your submission | Quotes | Underwrites | Binds | Issues the policy | Endorses |
|---|---|---|---|---|---|---|
| National brokerage | ||||||
| MGA and binding authority | In house | |||||
| RPS Programs | ||||||
| Standard Lines and Standard Express | After carrier OK | |||||
| RPS Small Business | In house | |||||
| E&S Personal Lines Express | Indication |
Standard Express sends your bind request to RPS after a comparative quote. E&S Personal Lines Express gives an indication only, but you can endorse those policies yourself online.
Carrier paper and admitted status
- Admitted or surplus lines
- Both. Standard Lines is admitted, and E&S Personal Lines Express and Primary Property are surplus lines
- Lloyd's
- RPS is a Lloyd's coverholder
Commission, fees and billing
- Who bills
- Agency bill or direct bill. Agency bill statements are due by the 15th of the next month
- How RPS is paid
- Mostly carrier commission, plus possible fees, contingent commission, interest on premium and finance fees
- Premium finance
- First Premium, an RPS company financing premiums since 1979
- How to pay
- Online through ePayPolicy with your Agent ID and agency ZIP code
| Payment | Amount | Applies to |
|---|---|---|
| Credit card | 3.00% | Retail agent payments |
| Credit card | 2.75% | Standard Lines payments |
| ACH or e-check | $0 | All payments |
Surplus lines taxes and filings
- Who files
- RPS doesn't publish who files surplus lines taxes. Ask your RPS team before you bind
Endorsements, audits and claims
- Endorsements
- Online for E&S Personal Lines Express. Others through your RPS team
- Certificates
- Create them in myRPS
- Renewals
- myRPS and Standard Express both show expiring policies
- Claims handled by
- RPS Claims, with an in-house examiner on each account. Report online, at 844-777-8323 or at rps_claims@RPSins.com
Who owns the account
- Who owns the expirations
- RPS doesn't publish its terms. Ask your RPS team for them in writing
Portal and integrations
- Portal
- myRPS
- Online quoting
- Yes, through the myRPS product search, Standard Express, RPS Small Business and USLI
What you can do in myRPS
- See quotes, invoices and statements
- Issue certificates
- Report and search claims
- Run commission, cancellation and production reports
- Set user roles for your staff
- Sign in to Standard Express
Policies placed through RPS online platforms don't appear in the myRPS Policies tab, so check each platform for those.
Support for retail agents
- Contact
- Main line 866-595-8413, CustomerCare@rpsins.com for portal access
- Underwriter access
- Local offices and specialist teams by line
- Training
- myRPS quick-start guides, a Standard Express manual, videos and a recorded webinar
- Premium finance help
- First Premium at 844-377-7346, weekdays 9 a.m. to 5 p.m. CT
Risk Placement Services alternatives
- AmwinsNational wholesaler with more than 150 programs
- CRC GroupLarge wholesaler with Quick Quotes and binding programs
- RT SpecialtyE&S brokerage with RT Connector online binding
- One80 IntermediariesMore than 100 programs and the Access One80 portal
- JencapBrokerage, small business binding and contractor programs
See every option in insurance mGAs and wholesalers.
Frequently asked questions
How do I get appointed with RPS?
Register at my.rpsins.com, upload your W-9 and E&O proof and sign the retail producer agreement. RPS emails next steps once it approves you.
Can I bind with RPS online?
Yes, on RPS Small Business products and USLI. Standard Express sends a bind request to RPS.
Who handles RPS claims?
RPS Claims, with an examiner assigned to each account.
Does RPS charge to pay online?
Cards cost 3.00%, or 2.75% on Standard Lines. ACH and e-check are free.
How we researched this review. We based this review on the terms and product pages published by Risk Placement Services, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Risk Placement Services quit selling or a contract term that reads different now, let us know and send the link to the page where Risk Placement Services has it. Somebody here pulls up that page and checks it before we change anything on ours.