HRT Insurance Consulting Inc. is a licenced and registered insurance consulting firm based in London, Ontario, and doing business within the insurance industry across Canada. Following over four decades in the insurance industry, concentrating mainly in the wholesale intermediary field, H. Ross Totten FCIP, CCIB retired in 2013 from Totten Insurance Group, the firm he founded in 2002.

In an industry that values experience and relationships, HRT Insurance Consulting Inc. will develop opportunities with specialty companies, retail brokers, adjusting firms, restoration contractors as well as Lloyd's brokers and syndicates. In addition to working with niche markets and brokers who wish to develop specialty lines of business, we will look at any opportunity to develop specialty classes of business, find ways to market them, solve problems and find answers to questions.

While HRT Insurance Consulting Inc. is a consulting firm exclusively and is not involved in retail sales, Ross has retained his personal broker's licences in all provinces of Canada, excluding Quebec.

Forming part of HRT Insurance Consulting Inc. is The MGA Marketer, a personalized marketing resource dealing with niche and specialty products for independent brokers across Canada. Formed with Mike Calion, also recently retired from the industry after over 50 years, the firm recently launched this facility to promote MGA products and services across Canada.