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Overview of the Heterogeneous Workers' Compensation Program Roundstone’s Heterogeneous Workers' Compensation Program is ... for fast turnarounds on standard heterogeneous accounts. Turnaround time depe...

...transportation accounts UPA’s heterogeneous workers’ comp unit is also equipped to handl..., including states with more complex workers’ comp environments. Does UPA offe...

...— Roundstone Signatory Contractor Workers Compensation Group Captive Program Roundstone offers a group captive Workers’ Compensation program designed speci...le?Yes — the program places admitted Workers’ Compensation coverage and is available in al...

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.

... Business Captive is a turnkey heterogeneous group captive designed for middle...aptive?The program supports admitted Workers’ Compensation, Automobile Liability, Property...

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.

Franchisor BOP Program from Roundstone Roundstone’s Franchisor Business Owners Policy (BOP) Program is a plug-and-play, admitted solution built to help franchisors standardize insurance across their systems and give franchisees quick access to consistent, compliant coverage. Designed for brokers and agents, this program combines a streamlined policy package with the underwriting discipline of a captive program placed through admitted carriers. Use this program when you need a scalable, repeatable platform for franchise networks that must meet corporate insurance requirements while keeping placement efficient for multiple locations and states. Ideal Accounts and Appetite The program targets franchisors and their franchisees across a broad set of common franchise sectors, including: Food & beverage (quick-service restaurants, coffee shops, bakery concepts) Retail and specialty stores Fitness centers and personal-service franchises Automotive service and light repair franchises Educational and tutoring centers Roundstone prefers well-managed, low- to moderate-risk operations with standard operations and proven controls. Higher-risk specialty operations, large-scale manufacturing, or locations with significant prior loss activity may require alternate placement. Coverage Highlights and Advantages The Franchisor BOP Program packages essential commercial coverages into a single, easy-to-administer offering. Available coverages include: Business Owners Policy (BOP) General Liability (GL) Commercial Auto and Auto Liability (AL) Inland Marine (IM) Commercial Property Because policies are placed through admitted carriers, you get the regulatory advantages that many franchisors require, plus consistent policy language and centralized underwriting for multi-location accounts. Underwriting Notes Roundstone’s underwriting team emphasizes practical, responsive evaluations for franchise systems. Submissions typically should include recent loss history, the number of locations, and the franchisee’s business classification. Underwriters will also consider controls, training programs, and franchise-wide risk-management practices when pricing and binding. Minimum premiums and specific terms vary by state, class, and account profile; Roundstone works with brokers to develop competitive packages tailored to each franchise system. Territories and Availability The Franchisor BOP Program is available nationwide — all 50 states and Washington, D.C. This makes the program a convenient option for franchisors with multi-state footprints or plans to expand into new markets. Why Work With Roundstone on This Business Roundstone specializes in structured, scalable insurance solutions for franchise systems. As a captive provider working through admitted carriers, Roundstone combines disciplined underwriting with market access and operational ease. Agents benefit from: One-stop packaging of core commercial coverages Consistent policy forms and admitted placements for regulatory compliance Responsive underwriting familiar with franchise dynamics Nationwide availability for multi-state accounts Example Accounts You represent a regional quick-service restaurant franchisor rolling out a uniform liability and property package for new franchisees across five states — this program helps standardize limits and coverages while simplifying submission and binding. You have a franchisee operating multiple boutique fitness studios that needs a consistent BOP and GL program plus an auto-liability solution for instructors who travel between sites — Roundstone can combine those coverages into a single placement. Frequently Asked Questions What types of accounts are a good fit for this program? This program is best for franchisors and franchisees in sectors such as food service, retail, fitness, automotive services, and education that need scalable, uniform coverage and admitted placements. Can I place business for franchisees operating in multiple states? Yes. The program is available in all 50 states and Washington, D.C., making it suitable for multi-state franchise operations and national rollouts. What coverages are included in the package? The program bundles BOP, General Liability, Auto Liability, Inland Marine, and Commercial Property coverages into a single, coordinated offering for franchise clients. Are the carriers admitted? Yes. All placements under this program are made through admitted carriers to support compliance and consistent policy forms. What is required to submit an account for underwriting? Typical submissions include the franchisee’s business classification, number of locations, and recent loss history. Roundstone’s underwriters will advise on any additional documentation needed for specific classes or exposures. Need help placing an account? Connect with a market specialist.