American Business Captive

Overview of the Program From Roundstone

Roundstone’s American Business Captive is a turnkey heterogeneous group captive designed for middle-market companies. The program offers admitted coverage for Workers’ Compensation (WC), Automobile Liability (AL), Property, and General Liability (GL) with a focus on Manufacturing, Distribution, Sales & Service, and Food & Beverage industries. This captive pathway helps insureds reduce insurance expense volatility, retain underwriting profit and investment returns, and gain greater control over claims, reinsurance placement, and proactive risk management.

Program Highlights

• Complete turnkey administration — underwriting, policy issuance, and claims management tailored for group captive participants.
• Admitted paper available across the listed states with admitted carriers.
• Multi-line solution: WC, AL, Property and GL in a single captive structure to align incentives and improve loss control.
• Designed for heterogeneous groups—companies from several related industries pooled for scale and diversification.

Ideal Accounts and Appetite

This program is intended for agents placing middle-market risks that are seeking an alternative to the traditional, volatile commercial market. Typical fits include:

• Manufacturing operations with controlled premises exposures and documented safety programs.
• Distribution and logistics firms with predictable auto exposures and fleet management practices.
• Sales & Service businesses that maintain routine GL exposures and active loss prevention efforts.
• Food & Beverage producers and processors with sanitation, HACCP controls, and stable production processes.

Accounts with demonstrated commitment to loss control, safety programs, and claims collaboration are preferred. The program is less suitable for highly volatile, catastrophe-exposed accounts or risks with chronic, large unresolved litigation or severe prior losses that would undermine group stability.

Coverage Highlights and Advantages

• Aligned incentives — participants share in underwriting results and investment income instead of relying solely on market rate movements.
• Predictability — lower long-term rate volatility compared with renewing in unpredictable commercial markets.
• Control — members have more influence over reinsurance strategy, claim handling, and proactive risk management services.
• Integrated multi-line placement to address cross-line loss drivers and develop consolidated risk financing strategies.

Underwriting Notes and Participation

• Underwriting evaluates loss history, risk management practices, safety programs, and operational stability.
• Roundstone looks for committed partners—companies that will engage with loss control and participate in group governance and reporting.
• Submission requirements commonly include loss runs, operations descriptions, safety and hiring procedures, and fleet information where applicable.
• Because this is a captive structure, account placement is evaluated on group fit and long-term viability rather than only on immediate premium.

Territories and Availability

Admitted coverage is available through Roundstone in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. Confirm state eligibility and program specifics on each submission as local requirements and appetite can change.

Example Account Scenarios

• Manufacturer: You have a regional manufacturer with steady production, limited auto exposure, solid loss control, and interest in long-term premium stabilization. This client could benefit from lower volatility and shared underwriting gains under the captive.
• Food & Beverage Processor: A mid-sized food processor with robust sanitation procedures and predictable property exposures wants more control over reinsurance and claims. The captive can offer a multi-line solution that aligns incentives for safety investments.

Why Work With Roundstone on This Business

Roundstone administers a complete turnkey group captive program that simplifies the transition for agents and their insureds. For brokers seeking admitted solutions that provide long-term cost control, governance, and access to captive economics without building an in-house program, Roundstone offers underwriting expertise, administration, and a pathway to participate in underwriting profits and investment income while reducing dependence on the traditional commercial market cycle.

Frequently Asked Questions

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