The RT Specialty Buffalo personal lines website will be migrating to the RT Specialty Connector Personal Lines platform on July 6, 2026. Online personal lines transactions will transition to the new platform. Additional details will be shared in advance of the transition.

Commercial Lines
Personal Lines
Professional Lines
- Management Liability
- Professional Liability

Excess Liability

R-T Specialty / Buffalo writes personal umbrella coverage with two carriers. Excess liability coverage written over and above the primary insurance of a specific line of business is provided with an A+ carrier.

Coverage is excess liability over your primary auto, home, watercraft, recreational vehicle or umbrella policy
Follow form over the primary policy
Minimum point of attachment for the homeowners is $100,000 CSL
Minimum point of attachment for the auto is $100,000 CLS or 100/300/50
Minimum point of attachment for the watercraft and recreational vehicles is $300,000 CSL

These are just a sample of the product lines and/or coverages we write. Please contact an underwriter with any specific questions you may have.