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Franchisor BOP Program from Roundstone Roundstone’s Franchisor Business Owners Policy (BOP) Progra...am? This program is best for franchisors and franchisees in sectors such...

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Overview — Roundstone Livery Program Roundstone’s Livery program is an admitted commercial auto liability solution designed for limousines, black car services and the taxi industry. The program bundles core transportation exposures — automotive liability and physical damage — with complementary coverages agents often need for these classes: general liability, garage liability, garagekeeper’s legal liability, excess/umbrella liability and property coverage. Offered through Roundstone’s admitted, captive platform, this program is positioned for agents placing chauffeured and for-hire passenger transportation risks across the country. Ideal Accounts and Appetite Chauffeured black car and limousine fleets (small to mid-sized operations) Traditional taxi operators and medallion fleets Operators that also maintain a repair or dispatch facility and need garage/garagekeeper protections Accounts seeking admitted paper with coordinated auto and liability limits Roundstone typically looks for operations with documented driver hiring and training practices, reasonable vehicle age and maintenance programs, and stable loss histories. Risks with routine business-to-business contracts, airport service routes, and scheduled chauffeured work often fit well. High-hazard uses — such as emergency medical transport, heavy-duty hauling, or operations that handle hazardous materials — are not primary targets for this program. Coverage Highlights and Advantages Automotive Liability: Primary coverage for third-party bodily injury and property damage arising from for-hire passenger operations. Physical Damage: Comprehensive and collision options to protect fleet vehicles, with flexible deductible choices. General Liability: On-premises and operations coverage to complement auto liability for passenger exposures. Garage & Garagekeeper’s Legal Liability: Designed for livery operators who perform vehicle servicing, maintenance or store customer vehicles. Excess/Umbrella: Additional limits over the primary auto and general liability layers for catastrophic losses. Property Coverage: Covers physical assets such as dispatch offices, maintenance shops and business personal property. The integrated package reduces gaps between auto and premises exposures and simplifies billing and policy administration by keeping coverages within a single admitted program. Underwriting Notes Submit current loss runs (typically 3–5 years), driver lists with MVRs, vehicle schedules and an explanation of operations/dispatching. Underwriters evaluate fleet size, vehicle age, driver screening and training, hours of operation, and primary service routes (e.g., airport vs. local street service). Remedial requirements may include driver safety programs, telematics installation, or specific maintenance documentation for certain accounts. Because this program is admitted and carrier-appointed in all available states, paperwork and endorsements will follow admitted market rules for each jurisdiction. Territories and Availability Roundstone’s Livery program is available in all listed states and the District of Columbia: 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. Coverage is placed on admitted paper with carriers appointed to write in those states. Why Work With Roundstone on Livery Business? Specialized program underwriting focused on chauffeured and taxi-class exposures. Admitted solutions across a broad territory simplify compliance and claims handling for agents and insureds. Ability to combine auto, liability and garage exposures in a single submission — reducing gaps and administrative complexity. Responsive underwriting for renewal discussions and loss mitigation recommendations tailored to livery operations. Example scenarios: You might have a 12-vehicle black car fleet that needs coordinated auto liability, physical damage and an umbrella for airport contracts. Or a six-vehicle taxi operator that also maintains a small shop and needs garagekeeper and property coverage — both could be submitted to Roundstone’s Livery program for review. Frequently Asked Questions What types of accounts are a good fit for the Roundstone Livery program?Chauffeured black car and limousine fleets, taxi operators and small-to-mid-size for-hire passenger services that have documented driver screening, routine maintenance programs and relatively stable loss histories. What submission materials does Roundstone require?Typical items include 3–5 years of loss runs, a current vehicle schedule, driver list with MVRs, description of operations/dispatch practices, and details on any on-site maintenance or storage facilities. Is this offered on admitted paper in my state?Yes. The Livery program is offered on admitted carriers and is available in the states and District of Columbia listed in the storefront. Coverage and endorsements will follow admitted market rules for each jurisdiction. How does the program handle garage and garagekeeper exposures?The program can include garage liability and garagekeeper’s legal liability when the insured operates a shop, performs maintenance, or stores customer vehicles. Underwriters will review the scope of shop operations and may request specific controls or limits based on exposure. Need help placing an account? Connect with a market specialist.

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Medical Expense Stop Loss Group Captive Program from Roundstone Roundstone offers a Medical Expense Stop Loss Group Captive program designed for mid-size self-funded employers seeking cost control, transparency, and long-term financial benefits. This fully insured program is ideal for Taft-Hartley plans, single employer groups, school districts, and municipalities. With a required minimum of three years of self-funded claims history, your clients can access a structured, stable solution to better manage rising healthcare costs. Ideal Accounts and Appetite This group captive is best suited for entities with a strong commitment to managing healthcare spend and who have demonstrated stable claims performance. Target insureds include: Taft-Hartley multi-employer plans Municipalities and school districts Mid-size to large single employer groups Clients should have at least three years of self-funded history and an interest in long-term cost containment strategies. An ideal self-insured retention (SIR) falls between $50,000 and $300,000. Coverage Highlights and Advantages Roundstone’s Group Captive model empowers participants to take control of their healthcare spending. Key benefits include: Continued payment of claims within a defined self-insured retention Shared risk participation in a group captive layer Stabilized premiums despite market cycles Increased control over TPA services and vendor costs Potential to earn back underwriting profits and investment returns The program is structured to reward favorable loss experience, making it a strong fit for groups committed to wellness, engagement, and claims management. Underwriting Notes and Minimum Premiums Underwriting requires a minimum of three full years of self-funded claim data. The ideal SIR range is $50,000–$300,000. Pricing varies based on group size, claims experience, and program structure. Groups with healthy loss ratios and a proactive benefits strategy are more likely to benefit from this captive model. Territories and Availability This program is available in all 50 states plus Washington, DC. Coverage is written on an admitted basis, giving your clients added regulatory confidence and compliance ease. Why Work with Roundstone? Roundstone specializes in innovative captive solutions for mid-size employers. Their strong focus on transparency, cost efficiency, and long-term sustainability makes them a trusted partner for agents and brokers seeking alternative stop loss options for their clients. With a proven track record of returning savings to employers and supporting brokers with tailored support, Roundstone helps you deliver real value to your insureds. Whether your client is a school district looking to stabilize healthcare budgets or a municipality ready to transition from fully insured to self-funded, Roundstone’s Group Captive program offers a compelling path forward. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include Taft-Hartley plans, municipalities, school districts, and mid-sized single employer groups with stable self-funded history and a focus on wellness and cost control. What is the required self-insured retention (SIR) range?The ideal SIR for this program ranges from $50,000 to $300,000, depending on group size and risk tolerance. Can newly self-funded groups participate?No. Groups must have at least three years of self-funded claims experience to be eligible for this program. How does the group captive layer work?Each participant retains responsibility for claims within their SIR. Claims above that threshold enter a shared captive layer where risk is pooled, allowing members to benefit from collective performance. What are the benefits for brokers placing business with Roundstone?Brokers gain access to a proven captive model, competitive pricing, underwriting transparency, and the opportunity to help clients control costs while potentially earning back unused premium dollars. Need help placing an account? Connect with a market specialist.

Residential Contractors Insurance Program from Roundstone Roundstone offers a General Liability program tailored specifically for residential contractors, homebuilders, and artisan trades. This program is written through an admitted carrier and is designed to meet the needs of small to medium-sized contractors who specialize in residential construction. Whether your client builds custom single-family homes, townhomes, or condominiums, this program can help provide the protection they need to manage their project risks effectively. Ideal Accounts and Appetite This program is a strong fit for agents looking to place business for: Custom single-family homebuilders Townhome and condominium builders Residential artisan contractors (e.g., carpenters, electricians, plumbers, painters) Accounts should fall within the small to medium-sized range in terms of annual revenue and number of units built. Limited commercial work may be acceptable if residential remains the primary focus. This program is not intended for general contractors with a heavy mix of commercial activity or those involved in tract housing or large-scale developments. Coverage Highlights and Advantages The program provides General Liability coverage through an admitted carrier, giving your clients the assurance of regulatory compliance and financial security. Key benefits include: Coverage for residential construction exposures Eligibility for artisan trades and specialty builders Flexibility for accounts with minor commercial exposure Access to a captive provider with deep understanding of construction risks For example, you might have a client who builds five to ten custom homes per year and occasionally remodels light commercial spaces—this program may provide the right liability protection for their operations. Underwriting Notes and Minimum Premiums Roundstone underwrites with a focus on residential exposures and seeks contractors who maintain strong safety practices and subcontractor controls. While there is no stated minimum premium, the program is best suited for accounts with consistent operations and well-documented risk management procedures. Submissions should include standard underwriting information such as years in business, project types, and prior loss history. Territories and Availability This program is available in all 50 states, plus Washington, D.C., including key construction markets such as California, Texas, Florida, New York, and Illinois. Because it is written on an admitted basis, your clients benefit from compliance with state insurance regulations across all jurisdictions. Why Work With Roundstone Roundstone brings specialized expertise and underwriting experience in the residential construction sector. As a captive provider, they offer a focused approach to program management and risk evaluation. Agents who work with Roundstone benefit from responsive service, a clear appetite, and access to admitted markets tailored to residential contractors. To learn more or submit a risk, visit the Roundstone company profile or the Residential Contractors storefront. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small to medium-sized residential contractors, including custom homebuilders and artisan trades such as plumbers, electricians, and painters. Is commercial work allowed under this program?Limited commercial work may be acceptable, but residential construction must be the primary focus of the account. What kind of carrier backs this program?The program is written through an admitted carrier, providing regulatory compliance and reliable claims handling. In which states is this program available?This program is available in all 50 states and Washington, D.C. How do I submit a risk to Roundstone?You can visit the Roundstone company profile or their Residential Contractors storefront on CompleteMarkets to learn more and begin the submission process. Need help placing an account? Connect with a market specialist.

Overview of the Heterogeneous Workers' Compensation Program Roundstone’s Heterogeneous Workers' Compensation Program is a fully insured, admitted workers’ compensation solution designed for mixed blue-collar exposures. The program is structured as a cash-flow friendly “Pay as You Go” product: premiums are billed monthly so you can avoid large down payments and reduce end-of-policy audit surprises. Premiums are matched to payroll in near real time, helping insureds keep premium in line with actual payroll exposure while improving cash flow and loss visibility. Program Positioning This program is offered by Roundstone through admitted carriers and is underwritten by a captive provider model focused on practical, responsive service for brokers and their clients. Underwriting emphasizes quick decisions and pragmatic evaluation of heterogeneous classes rather than forcing accounts into narrow class buckets. Ideal Accounts and Appetite Mixed blue-collar businesses with multiple different job classifications on a single payroll (e.g., maintenance firms, property services, general contractors with specialty crews). Seasonal or variable-pay employers that benefit from monthly premium adjustments rather than large up-front deposits. Smaller to mid-sized accounts where audit variance and cash flow are common sales objections. Classes commonly written in this program include numerous blue-collar and hands-on occupations — ask Roundstone for the current class appetite. Coverage Highlights and Advantages Fully admitted paper — policy issued by admitted carriers for stability and regulatory compliance in participating states. Monthly premium billing tied to actual payroll reporting, reducing audit “shock” and improving cash flow for insureds. Designed for heterogeneous payrolls so multi-class exposures can be placed on one policy without awkward manual splits. Responsive underwriting and program servicing tailored to broker needs — faster turnarounds and pragmatic placements. Pay as You Go approach helps lower collection risk and smooths premium payments through the policy term. Underwriting Notes Roundstone evaluates heterogeneous accounts with emphasis on payroll patterns, loss history, and class mix. Monthly payroll reporting is a core part of the program to ensure premium aligns with exposure; confirm reporting requirements during submission. While many blue-collar classes are eligible, accounts with unusual or highly volatile exposures may require additional underwriting review. Specific minimum premium thresholds and eligibility criteria vary by state and account—please contact Roundstone for details and submission guidelines. Territories and Availability This program is available on admitted paper in the following territories: 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. Availability and filing details are subject to state regulations; confirm state eligibility at quote. Why Place Business with Roundstone Deep focus on cash-flow friendly workers’ comp solutions for hands-on employers. Admitted carrier placements that combine regulatory stability with pay-as-you-go flexibility. Underwriting geared toward heterogeneous class mixes and practical service for brokers. Reduces audit surprises and aligns premium with real payroll activity — a clear selling point for cost-sensitive insureds. Example Scenarios You might have a landscaping contractor who staffs heavy crews in summer and trims staff in winter — this program lets premium follow payroll month to month. Or a maintenance contractor with electricians, plumbers and general laborers on one payroll can place all classes together without repeated audit adjustments. Frequently Asked Questions What types of accounts are a good fit for Roundstone’s Heterogeneous Workers' Compensation Program?Accounts with multiple blue-collar job classifications on one payroll, seasonal or variable payrolls, and small to mid-sized employers who need monthly premium billing and reduced audit volatility are ideal candidates. Is this program available on admitted paper in my state?Roundstone writes admitted paper in a wide set of states (see program availability). State filings and specific eligibility can vary, so submit a quick inquiry or contact Roundstone to confirm availability and filing details for your client’s state. How does the monthly billing or “Pay as You Go” feature work?The program requires monthly payroll reporting so premium is billed based on actual payroll exposure rather than estimated annual payroll and a large up-front deposit. This approach reduces end-of-term audit adjustments and improves insured cash flow. Exact reporting requirements are provided at submission. What information does underwriting typically need for a quote?Underwriters typically request current payroll by class, last few years’ loss runs, and a description of operations. Because the program targets heterogeneous classes, clear payroll splits and a recent loss history speed up the review. How quickly can I get a quote or bind coverage?Roundstone emphasizes responsive underwriting and aims for fast turnarounds on standard heterogeneous accounts. Turnaround time depends on completeness of submission; provide payroll detail and loss runs to expedite the quote. Need help placing an account? Connect with a market specialist.

Overview — Roundstone Signatory Contractor Workers Compensation Group Captive Program Roundstone offers a group captive Workers’ Compensation program designed specifically for signatory contractors who employ union labor. This admitted, group-captive solution helps contractors stabilize premium volatility in cyclical markets, reduce overall effective cost, and regain control over services and frictional expenses. The program is structured so participating contractors share risk with peer, highly trained union trades and may receive returns of underwriting profits and investment income when results are favorable. Ideal Accounts and Appetite Signatory construction contractors with union labor agreements (skilled trades such as carpenters, electricians, plumbers, ironworkers, pipefitters). Contractors with disciplined safety programs, documented training, and consistent payroll reporting. Mid-sized and larger accounts that can participate in a group captive structure and benefit from pooled risk and loss-control services. Not a fit: non-signatory contractors, employers without union payroll or formal signatory agreements, businesses with persistent poor loss experience, or classes of business outside traditional construction trades. Coverage Highlights and Advantages Admitted Workers’ Compensation coverage issued through an admitted carrier — available in all states and DC where the program operates. Group captive structure returns underwriting profits and investment income to participating members when the group performs well. Reduced frictional costs and improved loss-control oversight through shared services and contractor-led governance. Focus on long-term premium stability in cyclical markets — helpful for contractors who are currently paying higher WC premiums due to higher wages despite strong loss experience. Underwriting Notes and Placement Underwriting emphasizes signatory status, union payroll verification, historical loss data, safety programs, and the contractor’s commitment to the captive model. The program targets accounts with demonstrable controlled losses and strong return-to-work and safety protocols. Minimum premium and specific participation terms vary by account — submit details to Roundstone underwriting for state-specific eligibility and minimums. Territories and Availability This program is available through Roundstone in all states and DC (see program availability for specific state filings). Coverage is placed on an admitted basis through the program’s carriers where filings are in place. Why Work With Roundstone on This Business Specialized product designed for signatory contractors and union trades — not a generic WC market. Access to a captive solution that prioritizes returning underwriting results to the members who create good loss experience. Underwriters experienced in construction-class exposures and group captive mechanics — practical guidance on loss control and program governance. Practical for agents who want to place larger, stable accounts into a program that aligns incentives between carrier and insured. Example Scenarios You have a signatory electrical contractor with steady union payroll, a history of low frequency claims, and rising premiums due to wage-driven payroll levels — this program could stabilize their cost and provide potential profit returns. You represent a multi-trade union contractor group that wants to control loss-control services and reduce third-party frictional costs — the captive model can centralize those functions and align incentives. Frequently Asked Questions What types of accounts are a good fit for Roundstone’s signatory captive?Signatory contractors employing union labor with consistent payrolls, documented safety programs, and a demonstrated history of controlled losses. The program favors skilled trades and companies able to participate in a pooled risk arrangement. Is this an admitted program and where is it available?Yes — the program places admitted Workers’ Compensation coverage and is available in all states and DC where Roundstone has filings. What documentation does underwriting typically require?Underwriting will request signatory agreement verification, payroll split by class code, five years of loss runs, safety program documentation, and details on return-to-work procedures. How does the group captive return value to members?When the captive’s underwriting results and investment income are favorable, a portion of the surplus can be returned to participating members according to the captive’s governance and distribution rules. How do I submit a prospect or get program terms?Submit detailed account information and loss history to Roundstone’s underwriting team for evaluation. They will advise on eligibility, minimum premium requirements, and next steps for placement. Need help placing an account? Connect with a market specialist.

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