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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 What types of accounts are a good fit for the American Business Captive?Middle-market companies in Manufacturing, Distribution, Sales & Service, and Food & Beverage with stable operations, documented safety programs, and a willingness to participate in group risk management are the best fit. Which coverages can be placed through this captive?The program supports admitted Workers’ Compensation, Automobile Liability, Property, and General Liability on a multi-line captive structure. Is the program available nationwide?Yes — Roundstone offers admitted placements in the states listed on this storefront. Confirm state eligibility and any local underwriting requirements on each submission. What does Roundstone require on submission?Expect to provide recent loss runs, operations descriptions, safety and loss control documentation, and fleet details when applicable. Submissions are evaluated for group fit and long-term viability. 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.

We have a premier market for Bus accounts! U.S. Risk Insurance Group, Inc. offers access to an A+ XV-rated admitted carrier that can quote up to $5 million in auto liability limits, including physical damage coverage, with competitively low deductibles. Incidental general liability (GL) can also be written in conjunction with the bus coverage. This program is backed by strong claims management and loss control services, giving your insureds the protection and service they deserve. Overview of the Program From U.S. Risk Insurance Group U.S. Risk Insurance Group’s Bus Insurance program is designed for large people-mover operations, including fixed-route transit buses. Our carrier partner offers admitted paper with high limits and competitive pricing, making this a go-to solution for agents and brokers working with transit-focused accounts. The program is available in all 50 states and Washington, D.C., and is best suited for accounts with annual premiums of $75,000 or more. Ideal Accounts and Appetite We are currently targeting large bus accounts, specifically those that fall into the following categories: Fixed-route public transit operations Large people-mover fleets Urban and suburban shuttle services This program is ideal for clients operating in metropolitan or regional markets with significant passenger volume and consistent routing. For example, you might have a client running a city-wide transit system or a large shuttle fleet serving corporate campuses or airports—these are strong fits for our underwriting appetite. Coverage Highlights and Advantages Auto liability limits up to $5 million available Physical damage coverage included Low deductibles to reduce out-of-pocket exposure Optional incidental general liability coverage Access to top-tier claims and loss control services Underwriting Notes and Minimum Premiums To be considered for this program, submissions must meet our underwriting criteria and be complete. A full submission should include: ACORD forms 125, 127, 137 (and 126 if including incidental GL) A completed Public Auto questionnaire Vehicle schedule including use, garaging, radius, capacity, and cost new Five years of currently valued loss runs Current financial statements Current driver list and MVRs We are primarily seeking accounts with minimum premiums of $75,000, though this may vary based on risk characteristics and state. Territories and Availability This program is available in all 50 states and Washington, D.C., including 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, WV, WI, and WY. Why Work With U.S. Risk Insurance Group As an experienced excess and surplus lines broker, U.S. Risk Insurance Group provides agents and brokers with access to specialized markets and underwriting support for complex public auto risks. With our strong carrier relationships and focus on service, we help you deliver tailored solutions that meet the operational and compliance demands of your bus operator clients. Frequently Asked Questions What types of accounts are a good fit for this bus insurance program?We are targeting large people-mover operations, especially fixed-route public transit systems with premiums of $75,000 or more. Is the coverage written on admitted paper?Yes, we offer coverage through an A+ XV-rated admitted carrier. Can incidental general liability be added to the policy?Yes, incidental GL can be written in conjunction with the bus coverage when needed. What documents are required for a complete submission?Submissions must include ACORD forms, a Public Auto questionnaire, a full vehicle schedule, five years of loss runs, financials, and driver/MVR info. Is this program available nationwide?Yes, the program is available in all 50 states and the District of Columbia. Need help placing an account? Connect with a market specialist.