HOLTOW

HOLTOW is an insurance company and Sponsor of THE FINALS, run by CEO Quemby Rutile. It appeared as an official seasonal sponsor in Season 4 and Season 8. The company focuses on protecting digital assets, as well as providing services such as "Sun Insurace" and "Alien Invasion Insurance".

HOLTOW's slogans include - "Digitally insured, virtually secured."

The company's main website can be found at holtow.com. There is a subpage of the website that can be found at holtow.com/suninsurance.

Quemby Rutile is the CEO of HOLTOW.

Backstage Bio

Background

HOLTOW began by insuring lost passwords and corrupted avatars - small policies for small disasters.

But they soon realized that in a world where nothing is safe, everything can and should be insured.

CEO

Quemby Rutile has never been surprised. A man of numbers and immaculate bowties, he claims to dream entirely in risk assessments.

During a speech, a light fixture fell directly beside him mid-sentence. Without flinching, he adjusted his tie and remarked, "Calculated incident, category C."

Commercials

HOLTOW Sun Insurance commercial, revealed in-game in 3.12 patch

HOLTOW Alien Invasion commercial, shown in trailer

HOLTOW Pearly Gates Insurance commercial, revealed During Season 8 Heaven or Else event

Related Cosmetics

Cosmetics that feature or mention HOLTOW.

Name	Rarity	Type	Description
IRON VOW	LEGENDARY	OUTFIT	For Contestants who practice in silence, repeating the same rites until timing becomes truth.
SSG OUTFIT	LEGENDARY	OUTFIT	SSG wears the weight of The Grand Major 2025. HOLTOW makes sure they look good doing it.
CASH BOX QUARTERBACK	EPIC	OUTFIT	For contestants who plan to touch down on the arena and convert a match to victory.
CASH BOX QUARTERBACK	EPIC	OUTFIT	For contestants who plan to touch down on the arena and convert a match to victory.
CASH BOX QUARTERBACK	EPIC	OUTFIT	For contestants who plan to touch down on the arena and convert a match to victory.
CASH BOX QUARTERBACK	EPIC	OUTFIT	For contestants who plan to touch down on the arena and convert a match to victory.
CASH BOX QUARTERBACK	EPIC	OUTFIT	For contestants who plan to touch down on the arena and convert a match to victory.
DEDE	EPIC	OUTFIT	Dede is a legend in THE FINALS, one of the original contestants. Known for her cool demeanor and unmatched experience, she's a pioneer who's seen it all - always clad head-to-toe in her iconic OSPUZE gear.
HOLTOW INSURED DRIVER	EPIC	OUTFIT	Team up with HOLTOW CEO Quemby Rutile and drive laps around the competition. Digitally insured, virtually s secured.
HOLTOW SIGNEE	EPIC	OUTFIT	Good luck finding the loophole before it's too late.
MARKS MASTER	EPIC	OUTFIT	Turn into the ultimate architect of victory.
NEUTRAL CORNER	EPIC	OUTFIT	For contestants looking for a knockout sponsorship opportunity.
THRASH HARVESTER	EPIC	OUTFIT	Grown in trash. Made to thrash.
TOTALLY HUMAN	EPIC	OUTFIT	Nothing suspicious here. Just a normal human doing human things.
BASELINE ACE	RARE	OUTFIT	Built from the basics, destined for greatness.

Name	Rarity	Type	Description
FOOTBALL HELMET	LEGENDARY	HEADWEAR	For contestants who don't mind a strategy of hurry-up offence.
FOOTBALL HELMET	LEGENDARY	HEADWEAR	For contestants who don't mind a strategy of hurry-up offence.
FOOTBALL HELMET	LEGENDARY	HEADWEAR	For contestants who don't mind a strategy of hurry-up offence.
FOOTBALL HELMET	LEGENDARY	HEADWEAR	For contestants who don't mind a strategy of hurry-up offence.
FOOTBALL HELMET	LEGENDARY	HEADWEAR	For contestants who don't mind a strategy of hurry-up offence.
SSG HELMET	LEGENDARY	HEADWEAR	SSG steps onto the stage with heads held high. HOLTOW makes sure the spotlight right where it belongs.
HOLTOW COVERAGE	EPIC	HEADWEAR	A rare instance of HOLTOW's coverage being entirely cosmetic.
HOLTOW RIDER HELMET	EPIC	HEADWEAR	Note: It is strictly forbidden to wear helmets inside Rutile Rolls in Las Vegas, even for sponsored contestants.
JUMPSTART HELMET	EPIC	HEADWEAR	For contestants who believe that the race starts as soon as you gear up.
POLICYHOLDER	EPIC	HEADWEAR	See the world through HOLTOW's lens of safety, security, and fine print.
TACTICAL-COMMS HELMET	EPIC	HEADWEAR	Communication is key in the arena...and in fashion statements.
VIRTUE POLICY	EPIC	HEADWEAR	Even divinity requires a policy number.
FLAT-BRIM CAP	RARE	HEADWEAR	For contestants who plan to go flat out in the arena.
BOOTLEG ALIEN MASK	EPIC	FACEWEAR	Looks like alien enough for HOLTOW to take notice.
ARENA ANTI-GLARE	RARE	FACEWEAR	Perfect for sunny conditions in the arena.
BAD NEWS BANDANA	RARE	FACEWEAR	For contestants who are probably up to no good.

Name	Rarity	Type	Description
HOLTOW TORSO COVERAGE	LEGENDARY	UPPER BODY	Coincidentally, Torso coverage can be added to any new or existing Avatar Protection Insurance policy from HOLTOW.
VOTIVE MANTLE	LEGENDARY	UPPER BODY	Step into the Arena and let the sermon be heard.
BOUT BLANKET	EPIC	UPPER BODY	Every champion's dramatic-entry essential.
DOOMSDAY VEST	EPIC	UPPER BODY	Acturilly unlikely, but at least you're covered.
HOTLAP JACKET	EPIC	UPPER BODY	From coast-adjacent grow beds to the starting grid in one zip.
JUMPSTART JACKET	EPIC	UPPER BODY	For contestants who plan to jumpstart the action in the arena.
LANDFILL TEE	EPIC	UPPER BODY	For contestants who know everything good in life is grown coast-adjacent.
MARKS MASTER TOP	EPIC	UPPER BODY	Go for gold and show your rivals what precision looks like!
PREMIUM LIABILITY	EPIC	UPPER BODY	Bright, bold, and built to scream: don't worry, you're covered.
S8 FLASH VARSITY	EPIC	UPPER BODY	You made the team, now show the speed.
SSG JACKET	EPIC	UPPER BODY	SSG enter The Grand Major 2025 with confidence, with HOLTOW backing every move.
SSG JERSEY	EPIC	UPPER BODY	SSG wears The Grand Major 2025 with confidence, with HOLTOW backing every move.
CLOUD COVERAGE	RARE	UPPER BODY	Your HOLTOW coverage is partly cloudy with a chance of victory.
CROWN CLAIMER	RARE	UPPER BODY	Insured for greatness.
HOODIE JACKET	RARE	UPPER BODY	Just like your personality, there is more than one layer to this jacket.
INFERNAL LIABLITY	RARE	UPPER BODY	Protection? Sure, if your defenition of coverage includes fire.
KANGAROO HOODIE	RARE	UPPER BODY	The pouch will not provide much protection against destruction in the arena.
TRACK & FIELD TOP	RARE	UPPER BODY
WHO'S A GOOD RULER?	RARE	UPPER BODY	Turns out, it's the dog.
BOXING SHORTS	EPIC	LOWER BODY	For contestants who pack a punch and look dashing doing it.
HOLTOW PREMIUM PANTS	EPIC	LOWER BODY	Pants that are worth paying a premium for In uncertain times, we certain with HOLTOW.
JUMPSTART PANTS	EPIC	LOWER BODY	For contestants with a penchant for quick getaways.
RISK-REWARD PANTS	EPIC	LOWER BODY	Step boldy into danger, knowing HOLTOW has already calculated the premiums.
SCAVENGER RUNNERS	EPIC	LOWER BODY	For Contestants who loot the Arena Vaults, then vanish.
SSG CARGOS	EPIC	LOWER BODY	Every stride tells a story. SSG walks into The Grand Major 2025 with HOLTOW stitched into every move.
BAGGY BATTLE CARGOS	RARE	LOWER BODY	With spacious pockets and room to maneuver through the chaos, these are a tactical advantage disguised as comfort.
TAPERED CARGOS	RARE	LOWER BODY	A rare combination of form-ftting style and storage options.

Name	Rarity	Type	Description
CLAIM HANDLERS	EPIC	HANDS	Grip the situation like you grip your deductible: tightly.
SSG GLOVES	EPIC	HANDS	Every play starts in the hands. SSG grips victory tightly, powered by HOLTOW.
WHEELSPIN GLOVES	EPIC	HANDS	Take them out for a spin.
BOXING WRAPS	RARE	HANDS	For contestants who plan to wrap up their round with a knockout.
ACCELERATOR SHOES	EPIC	FEET	Time to turbocharge your footwork.
SSG BOOTS	EPIC	FEET	Fast cuts, firm ground. SSG plant their feet in The Grand Major 2025 with HOLTOW holding the base.
CHUNKY WEDGE TRAINERS	RARE	FEET	Sometimes it helps to have a little extra sole in the arena.
KNOCKOUT KICKS	RARE	FEET	For contestants who like to dance around their opponents in the arena.
SLIP-ON TRAINERS	RARE	FEET	Apparently, there is such a thing as the perfect running shoe.

Icon	Name	Rarity	Type	Description
	BOXING GLOVES	EPIC	LOWER BACK	For contestants who want to bob and weave in the arena.
	ICON'S GUARD	EPIC	LOWER BACK	Before she was a legend, this was part of Dede's journey. Now, it can be part of yours.

Icon	Name	Rarity	Type	Description
	STOLEN CASHOUT UNIT	EPIC	EMBLEM	HOLTOW may not protect against stolen cashouts, but you'll track down the culprit just the same.

Name	Rarity	Type	Description
CLAIM VICTORY	EPIC	EMOTE	For contestants who dare to dream big and play even bigger, with HOLTOW backing every audacious move. With HOLTOW, you can risk it all.
FULL COVERAGE	EPIC	EMOTE	Flash the card, seal the deal. HOLTOW covers the rest.
HOLTOW SPOKESPERSON	EPIC	EMOTE	You signed with us. Give us some love and earn us some fans in the arena.
LUCK OF THE DRAW	EPIC	EMOTE	Sometimes, a little luck goes a long way.
SSG EMOTE	EPIC	EMOTE	Every great play needs a victory dance. This one's SSG coded. Funded by HOLTOW for The Grand Major 2025.

Name	Rarity	Type	Description
POLICY COVERAGE	LEGENDARY	SPRAY	When life in the Arena throws risks your way, HOLTOW's got your back.
HOLTOW APPROVED	RARE	SPRAY	Claim your damage in the arena. With insurance for HOLTOW, you can risk it all.
SSG SPRAY	RARE	SPRAY	Paint the Arena proudly. SSG x HOLTOW in every Grand Major 2025 can.

Name	Rarity	Type	Description
ANGEL CLAUSE	LEGENDARY	SKIN // Recurve Bow	For contestants already on the guest list.
ANGEL CLAUSE	LEGENDARY	SKIN // FCAR	For contestants already on the guest list.
ANGEL CLAUSE	LEGENDARY	SKIN // Lewis Gun	For contestants already on the guest list.
BLAZING GUARANTEE	LEGENDARY	SKIN // Flamethrower	Ensure your opponents soak up some sun.
COVERAGE CUTTERS SET	LEGENDARY	SKIN // Throwing Knives	Sharpened terms and conditions.
CRIT WRITER	LEGENDARY	SKIN // Dagger	For contestants who are always meticulously plotting their next move or diligently keeping score of their triumphs.
HOLTOW FINE PRINT	LEGENDARY	SKIN // ARN-220	Dealing damage? HOLTOW's got your back. Digitally insured, virtually secured.
HOLTOW FINE PRINT	LEGENDARY	SKIN // AKM	Dealing Damage? HOLTOW's got your back. Digitally insured, virtually secured.
HOLTOW FINE PRINT	LEGENDARY	SKIN // ShAK-50	Dealing damage? HOLTOW's got your back. Digitally insured, virtually s secured.
HOLTOW HAMMER CLAUSE	LEGENDARY	SKIN // Sledgehammer	Ensure your attacks carry the weight of HOLTOW's predictive algorithms.
JAVELIN IN TOW	LEGENDARY	SKIN // Spear
LAVA LUSTER	LEGENDARY	SKIN // ARN-220	Give your weapon a real magma chamber.
LAVA LUSTER	LEGENDARY	SKIN // ShAK-50	Give your weapon a real magma chamber.
LAVA LUSTER	LEGENDARY	SKIN // Pike-556	Give your weapon a real magma chamber.
PAYOUT PENDING	LEGENDARY	SKIN // .50 Akimbo	Congratulations! Your claim has been received, reviewed, and escalated.
QUICK DRAW	LEGENDARY	SKIN // Recurve Bow	When you need to draw faster than your shadow.
CLAUSE CANNON	EPIC	SKIN // M11	Approved for crowd control, contestant suppression, and rapid dispute resolution.
CLAUSE CANNON	EPIC	SKIN // Model 1887	Approved for crowd control, contestant suppression, and rapid dispute resolution.
CLAUSE CANNON	EPIC	SKIN // Lewis Gun	Approved for crowd control, contestant suppression, and rapid dispute resolution.
HOLTOW ADJUSTER	EPIC	SKIN // FCAR	Let your opponents know you're a representative of HOLTOW, and you're ready to settle their claim.
HOLTOW ADJUSTER	EPIC	SKIN // SA1216	Let your opponents know you're a representative of HOLTOW, and you're ready to settle their claim.
HOLTOW ADJUSTER	EPIC	SKIN // FAMAS	Let your opponents know you're a representative of HOLTOW, and you're ready to settle their claim.
HOLTOW ADJUSTER	EPIC	SKIN // XP-54	Let your opponents know you're a representative of HOLTOW, and you're ready to settle their claim.
HOLTOW ADJUSTER	EPIC	SKIN // M60	Let your opponents know you're a representative of HOLTOW, and you're ready to settle their claim.
SAFETY LAST	EPIC	SKIN // Model 1887	Let everyone know it's your job description to take the hits and keep firing.
SAFETY LAST	EPIC	SKIN // M26 Matter	Let everyone know it's your job description to take the hits and keep firing.
SAFETY LAST	EPIC	SKIN // SA1216	Let everyone know it's your job description to take the hits and keep firing.

Name	Rarity	Type	Description
BLINDING WARRANTY	LEGENDARY	SKIN // Pyro Mine	A guaranteed burst of brilliance.
RADIANT PROTECTION	LEGENDARY	SKIN // Pyro Grenade	Give your opponents a brilliant reason to invest in HOLTOW Sun Insurance.
HOLTOW LIFE INSURANCE	EPIC	SKIN // Defibrillator

Name	Rarity	Type	Description
HOLTOW INSURED	EPIC	STICKER	Thanks to HOLTOW CEO Quemby Rutile, virtually any virtual asset can be insured against damage or loss. Except stolen cashouts.
SIGNED BY HOLTOW	EPIC	STICKER	"The future favors those who plan for the unexpected. At HOLTOW, we don't predict the future—we protect it." - Quemby Rutile
SSG STICKER	EPIC	STICKER	SSG leaves a mark. HOLTOW makes sure it sticks. Grand Major 25 stamped.
CELESTIAL COVERAGE*	RARE	STICKER	*Heavenly access requires prior authorization. HOLTOW denies all liability.
HOLTOW INSURED	RARE	STICKER	Claim your damage in the arena. With insurance from HOLTOW, you can risk it all.
SUNNY SIGN-UP	RARE	STICKER	Because a little extra sunshine never hurt... until it does.
SMALL SCREEN	LEGENDARY	CHARM	No need to change the channel manually. This knows how to keep viewership up.
SOLAR SAFEGUARD	LEGENDARY	CHARM	A compact source of warmth, radiating protection wherever you go-compliments of HOLTOW.
ETCHER'S EMBLEM	EPIC	CHARM	Perfect for jotting down last-minute strategies or some frantic scorekeeping in the arena!
FULL COVERAGE	EPIC	CHARM	Your one-way ticket to the top... assuming the policy hasn't changed.
HOLTOW PRIMARY USE	EPIC	CHARM	Thanks to HOLTOW CEO Quemby Rutile, virtually any virtual asset can be insured against damage or loss. Except stolen cashouts.
LOCKBOX LOCKET	EPIC	CHARM	For contestants who like to play it safe.
QUEMBY'S BOWTIE	EPIC	CHARM	For HOLTOW CEO Quemby Rutile, a perfect bow tie is like a perfectly written insurance policy—precise elegant, and always to your advantage.
SSG CHARM	EPIC	CHARM	Small detail. Big statement. SSG rocks this charm with full backing from HOLTOW for The Grand Major 2025.
STOLEN CASHOUT UNIT	EPIC	CHARM	HOLTOW may not protect against stolen cashouts, but you'lltrack down the culprit just the same.
THE BRIGHT SIDE	EPIC	CHARM	Proof that HOLTOW will insure literally anything.
HOLTOW CLAIM TAG	RARE	CHARM	Proof that accidents are opportunities.
MINIMUM COVERAGE	RARE	CHARM	For contestants who are prepared for a litle property damage in the arena.
PREMIUM EVADER	RARE	CHARM	Your deductible? A whole lot of pain.

Name	Rarity	Type	Description
CLAIM FILED	EPIC	BACKGROUND	Every bullet, every fall, every defeat. Validated and stamped.
HOLTOW POLICYHOLDER	EPIC	BACKGROUND	Let everyone know that you're not just a HOLTOW Sun Insurance policyholder, you're also a HOLTOW Sun Insurance policy spokesperson.
SSG CARD	EPIC	BACKGROUND	SSG's official Grand Major 2025 profile. Elevated by performance, sealed by HOLTOW.
COVERAGE RISK	RARE	BACKGROUND	Don't worry. HOLTOW's got your claim.
HOLTOW ENDORSEMENT	RARE	BACKGROUND	In the arena, you need to move quickly and adapt, just like HOLTOW's insurance policies. Amendments to policies to add or delete coverage are a specialty.
HOLTOW STANDARD	RARE	BACKGROUND	With HOLTOW on your side, the future becomes a calculated opportunity waiting to be seized.

Icon	Name	Rarity	Type	Description
	UNCERTAIN GUARANTEE	EPIC	BORDER	Nothing says safety like a bold logo and a vague promise.
	HOLTOW ORANGE PULSE	RARE	BORDER	A visual echo of HOLTOW's relentless drive to assess, quantify, and capitalize on every risk.

Name	Rarity	Type	Description
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.
HOLTOW SIGNEE	COMMON	BADGE	Show off the fanbase you earned for HOLTOW.

Gallery

Quemby Rutile, CEO of HOLTOW
HOLTOW Pearly Gates Insurance
HOLTOW Sore Loser Insurance
HOLTOW Sun Insurance
HOLTOW signup background image.
HOLTOW Sponsorship reward image.
TACTICAL-COMMS HELMET Skin
Recurve Bow QUICK-DRAW Skin
The HOLTOW Insured Driver Set Bundle