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Overview — Roundstone Livery Program Roundstone’s Livery program is an admitted commercial aut... admitted paper in my state?Yes. The Livery program is offered on admitted car...

...um transportation fleet, a public livery service, or a general trucking operat...g experienced with petroleum, waste, livery, and specialty trucking classes ...

...mid-size fleets Public auto and livery operations (where available) Auto d...

...: for-hire operations, commercial livery, rideshare services, fixed-route publ...ould be submitted to a commercial or livery market instead. What documents sho...

... to help agents and brokers place livery and chauffeur-driven transportation a...

... mix-in-transit vehicles Public livery such as taxis and limousines Buses ...fill), and contractor fleets. Public livery, buses, tow trucks, and delivery fleets are also eligible. Are ther...

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.

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.

Public Auto Insurance for NC and VA More Than 30 Years of Experience Agents Insurance Markets, Inc. (AIM) is a Managing General Agency offering a focused Public Auto Insurance program for community-oriented transportation risks in North Carolina and Virginia. Backed by more than three decades of experience in the transportation market, AIM provides responsive underwriting, quick turnaround, and practical coverage solutions through Stratford Insurance Company on an admitted basis in available states. Overview of the Program This program is designed for public auto operations that transport passengers on a for-hire or nonprofit basis. AIM underwrites single vehicles up to full small fleets and works with agents to place taxis, limousines, vans serving churches, daycare providers, van pools, and similar community transportation services. The program emphasizes straightforward submission requirements, flexible limits, and a focus on well-managed operations. Ideal Accounts and Appetite Taxis (note: physical damage limits for taxis are capped at $125,000 per vehicle) Limousines and luxury chauffeured services Church vans and other faith-based transport Daycare and childcare transport vans Van pools and employee transport within community ranges AIM targets local and intermediate operations with driving radiuses of 0–300 miles (Local: 0–100 miles; Intermediate: 101–300 miles). The best-fit accounts are community-based or business-to-business services with disciplined maintenance programs, clear driver screening and training, and generally clean MVR histories. Coverage Highlights and Advantages Primary liability: Limits available up to $1,000,000 Combined Single Limit (CSL) Physical damage: Coverage available up to $125,000 per vehicle (taxi cap applies) Quick quoting for small accounts — phone quotes for four vehicles or fewer Flexible terms for single-unit placements through small fleets Acord applications accepted for initial submissions to simplify quoting Underwriting Notes The program is underwritten through Stratford Insurance Company. There is no stated minimum premium, but submissions should demonstrate responsible operations: well-maintained vehicles, current MVRs, documented driver hiring and training practices, and clear use patterns within the 0–300 mile radius. For accounts of five or more vehicles, provide a complete submission including current MVRs for each driver. AIM underwriters work with agents to clarify exposures and structure competitive, practical terms. Territories and Availability This Public Auto program is offered exclusively for risks located in North Carolina and Virginia. Coverage is placed on an admitted basis in those available states through Stratford Insurance Company. Why Work With Agents Insurance Markets, Inc.? AIM brings deep niche expertise in transportation products and a hands-on approach for agents placing community and small commercial fleets. As an experienced MGA, AIM provides: Direct underwriting access and timely responses Practical appetite guidance so you avoid wasted submissions Ability to handle single units up to multiple-vehicle accounts with clear submission pathways Partnership orientation — support for underwriting questions and endorsements Example Scenarios You have a church that operates two vans for weekend services and youth programs. They maintain driver records and perform routine maintenance — this program can provide admitted coverage with appropriate liability and physical damage limits. A local daycare operates three passenger vans to transport children to nearby schools. With documented driver screening and current MVRs, you can often secure competitive terms; phone quoting is available for accounts of this size. Frequently Asked Questions What types of accounts are a good fit for this program? Taxis, limousines, church vans, daycare vans, and van pools operating within a 0–300 mile radius in NC and VA are the primary targets for this program. How many vehicles can I submit for a quote? You can submit single units up to full small fleets. Phone quotes are available for accounts with four or fewer vehicles. For five or more, provide a full submission including current MVRs for each driver. What liability and physical damage limits are available? Primary liability limits are available up to $1,000,000 CSL. Physical damage coverage is available up to $125,000 per vehicle (note the $125,000 cap for taxis). Do you accept Acord applications? Yes — Acord applications are accepted for initial submissions to streamline the quoting process. Which states is this program available in? This program is offered exclusively in North Carolina and Virginia. Need help placing an account? Connect with a market specialist.

... Public auto (shuttle vans, livery, transportation services) Dump tr...