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Year after year schools have students come and go as a part ...chool completely. We understand that schools need to have an adequate School I...

...onic case management, predictive modeling, loss-control services, and benchmar...ment information system, predictive modeling, loss-control consulting, and com...

...n Illinois, including small rural schools and large urban or suburban district...

...This program is built for private schools and public/private colleges that fac...od fit for this program?Private K-12 schools, independent boarding schools, colleges, and vocational institu...

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.

Policy Highlights: Colonial General Insurance Agency, Inc. offers a focused Errors & Omissions (E&O) insurance program specifically for insurance agents and brokers. With access to a range of A.M. Best A+ rated admitted and non-admitted carriers, Colonial General can help you place dependable professional liability coverage with competitive pricing and broad terms tailored to agency operations. Ideal Accounts and Appetite This program is designed for retail insurance agents and brokers in the western U.S. who need professional liability protection for their advisory and transactional work. Typical fits include agencies that: Sell personal and commercial lines Provide employee benefits counseling and enrollment services Perform notary public duties or other related professional services Are involved in mutual fund and annuity sales Coverage is also available for independent contractors and temporary staff operating under an agency’s supervision. The program works well for solo practitioners and small agencies with clean loss histories as well as mid-sized agencies that have more specialized exposures. Coverage Highlights and Advantages Colonial General’s E&O policies include a range of features that help protect insureds from claims alleging professional errors, omissions, or negligent acts. Key advantages include: Access to both admitted and non-admitted markets with A+ rated carriers Coverage for independent contractors and temporary staff Protection for mutual fund and annuity sales Broad professional services definition that includes notary public, employee benefits counselor, and insurance agent/broker roles Coverage for care, custody & control of clients’ records Catastrophe extra expense reimbursement Defense costs available both inside and outside the limits Optional "First Dollar Defense" through select carriers Limits of liability from $1 million to $5 million, including split-limit options Low deductible options starting at $2,500 No property damage exclusion Underwriting Notes and Minimum Premiums Underwriting is submission-driven. Colonial General evaluates agency operations, product mix, staffing models (including use of independent producers), and loss history to match the account to the appropriate carrier and form. Minimum premiums start at $1,500, helping keep coverage accessible for smaller firms and solo practitioners. Clean risk histories, complete applications, and timely responses to underwriting questions will speed the quoting process. Territories and Availability This E&O program is available in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Colonial General focuses on these western states and understands regional distribution models and regulatory nuances that affect placement. Why Work With Colonial General? As a Managing General Agency and Excess & Surplus Lines broker, Colonial General combines specialty commercial-lines expertise with direct access to quality admitted and non-admitted carriers. In-house underwriting and strong carrier relationships allow for flexible solutions, faster turnarounds, and hands-on support from submission through binding. You might have a client who recently added annuity or mutual fund sales and needs E&O coverage that includes financial products — this program can address that exposure. Or you may represent a regional agency with producers operating in multiple western states that requires consistent coverage and reliable claims handling. Colonial General’s markets are structured to accommodate both scenarios. Frequently Asked Questions What types of accounts are a good fit for this E&O program?This program is ideal for retail insurance agencies and brokers offering personal and commercial lines, employee benefits counseling, and financial products such as annuities or mutual funds. Is coverage available for independent contractors?Yes. The program includes coverage for independent contractors working under an agency, which accommodates agencies that use a mix of employees and contracted producers. What are the liability limits and deductible options?Limits range from $1 million to $5 million, with split-limit options available. Deductible choices include low options starting at $2,500; specific availability depends on carrier selection and account details. In which states is this program available?This Errors & Omissions program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. What is the minimum premium for this program?The minimum premium begins at $1,500, making the program a cost-effective option for smaller agencies and solo practitioners with favorable loss histories. Need help placing an account? Connect with a market specialist.

The social club insurance program is designed for U.S.-based clubs and/or groups conducting youth or adult non-sport activities. Coverage provided includes important liability protection for the organization, including its employees and volunteers, for liability claims arising out of its operations. Covered operations consist of scheduled, sanctioned, organized and supervised activities in which members participate and that are directly related to the specific common interest or goal for which the club or group is formed. Coverage is also provided for member activities such as meetings, registrations, parades in which the insured participates, picnics, banquets and ceremonies. Coverage for activities not related directly to the club’s common interest must be pre-reported and approved by K&K. Eligible Operations for Social Club Insurance: The following types of operations/programs are eligible for this insurance program. This is not a complete list of eligible operations/programs. If your type of operation/program is not listed, please contact K&K for eligibility. - Amateur youth or robotic stem - Model train or model car club insurance (grade 8 & below) club insurance - Art club insurance - Garden club insurance - Book club insurance - Genealogy club insurance - Calligraphy club insurance - History club insurance - Collector club insurance - Nature club insurance - Computers club insurance - Needlework club insurance - Cooking club insurance - Peer support group - Craft making club insurance - Game or card club insurance (non-gambling) - Garden club insurance club insurance (not professional or licensed facilities) - Puppetry club insurance - Scrap booking club insurance Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto and Employers’ Nonownership Liability (not provided to clubs located in IL, LA, UT, VT and WI) - Professional Liability - Bodily Injury to Participants Liability - Medical Payments for Participants - No Charge for Certificates of Insurance Equipment and Contents Inland Marine (optional) Excess Liability (optional) Directors’ and Officers’ Liability including Employment Practices Liability (optional) Abuse, Molestation, or Exploitation Defense Reimbursement Coverage (optional) Sexual Abuse or Sexual Molestation Liability (optional) K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: https://www.kandkinsurance.com/Programs/Recreation-insurance/Social-Club-Insurance/ – clubs such as gardening clubs, chess clubs, book clubs, gaming clubs, sewing clubs, cooking clubs, etc. Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Insurance Program Managers Group (IPMG) offers specialized Claims Management Services for Self Insurance Clients designed to help your clients reduce liability and workers’ compensation costs. With extensive experience managing diverse program business risk pools and self-insured retention (SIR) structures, IPMG brings a proactive, results-focused approach to claims handling that benefits both insureds and their brokers. Whether your client is a municipality, healthcare facility, educational institution, or commercial business pursuing more control over claims expenditures, IPMG’s in-house claims management team offers the tools and expertise to deliver efficient resolution and long-term cost containment. Our aggressive approach to claims resolution consistently helps clients achieve better outcomes while safeguarding their bottom line. Ideal Accounts and Appetite This program is ideal for self-insured entities or clients utilizing SIR structures who want to improve claims oversight and reduce overall program costs. IPMG is particularly well-suited for: Public entities such as cities, towns, and counties School districts and other educational institutions Healthcare organizations and hospital systems Mid- to large-size commercial businesses with self-insurance components If you work with clients who are exploring self-insurance to control costs or already have a program in place but need better performance, IPMG provides the claims infrastructure and expertise to support them. Coverage Highlights and Advantages IPMG's Claims Management Services include a full suite of tools and support to enhance claims outcomes: Dedicated adjuster model for personalized service Online claims reporting and real-time access via our proprietary InSight portal 24-hour contact on all new claim submissions Quarterly claim file reviews and stewardship meetings Customizable service plans tailored to your client’s operational needs Compliance with Medicare Section 111 reporting requirements Integrated nurse case management and pharmacy drug card program Underwriting Notes and Minimum Premiums This is a non-admitted program tailored to self-insured and SIR-based clients. IPMG reviews each submission carefully to ensure alignment with their claims philosophy and service capabilities. While no set minimum premium is listed, the program is geared toward accounts with meaningful claims volume and complexity where specialized claims handling can add measurable value. Territories and Availability IPMG’s Claims Management Services are currently available in Florida, Illinois, Minnesota, Missouri, and Wisconsin. Brokers with clients operating in these states can take full advantage of IPMG’s regional expertise and responsive service model. Why Work With IPMG With a 95% client retention rate, IPMG has earned a reputation for transparency, results, and client-focused service. Their proprietary InSight platform gives your clients full visibility into claims progress, including notes, documentation, and financials. Regular stewardship meetings help ensure accountability and continuous improvement. Brokers appreciate IPMG’s commitment to integrity and long-term partnership. Whether you’re placing a new self-insured account or looking to improve outcomes for an existing one, IPMG’s Claims Management Services offer the tools and support to help you deliver value to your clients. Frequently Asked Questions What types of accounts are a good fit for this program?This program is best suited for self-insured entities or those with SIR structures, including municipalities, school districts, healthcare systems, and mid- to large-size commercial businesses. What services are included in IPMG’s claims management offering?Services include online claims reporting, dedicated adjusters, quarterly reviews, nurse case management, Medicare compliance reporting, and access to the InSight portal for full claim transparency. Can IPMG handle claims in multiple states?Yes, IPMG currently provides Claims Management Services in Florida, Illinois, Minnesota, Missouri, and Wisconsin. How does IPMG help reduce claims costs for self-insured clients?By using aggressive claims handling, early intervention, and regular performance reviews, IPMG helps clients resolve claims efficiently and reduce loss costs over time. Is there a minimum premium requirement?There is no stated minimum premium, but the program is designed for accounts with significant claims exposure where specialized claims handling adds value. Need help placing an account? Connect with a market specialist.

Policy Highlights: Colonial General Insurance Agency, Inc. offers targeted coverage solutions for water truck operations through its Water Truck Insurance program. This program is designed for both "for hire" and "not for hire" operations and pairs flexible liability limits with optional physical damage protection and territory choices to fit common contractor and municipal hauling exposures. Overview of the Program From Colonial General This program is underwritten and placed by Colonial General as a Managing General Agency and Excess & Surplus lines broker. It provides agents with access to multiple markets (carriers vary) and can be positioned as admitted in some states or placed non-admitted where necessary. The program focuses on water trucks used for dust control, construction compaction, landscaping, agricultural use, and municipal or utility support. Coverage Highlights For hire and not for hire operations accepted. Liability limits up to $1,000,000 Combined Single Limit (CSL). Physical damage coverage available with deductible choices typically ranging from $500 to $5,000. Radius options available up to 500 miles to accommodate regional hauling operations. Carrier availability varies by account and state — Colonial General uses multiple markets to place risk. Ideal Accounts and Appetite This program suits a range of small- to mid-sized commercial accounts that operate water trucks as their primary or supporting equipment. Typical good-fit classes include: Construction contractors providing dust control and compaction services. Aggregate and paving companies that use water trucks on- and off-site. Municipal agencies or public works departments with municipal water truck fleets. Landscape and irrigation contractors operating water-bearing trucks for dust suppression or watering jobs. Accounts with professional, experienced drivers, documented maintenance programs, and moderate annual mileage are preferred. High-risk operations (e.g., longhaul interstate tanker operations, oilfield fluid hauling, or those with significant lapse in maintenance records) may be declined or submitted to specialized markets only. Underwriting Notes and Submission Guidance When preparing submissions, include the following to improve placement chances: Current driver MVRs and company driving policy. Vehicle schedule with year, make, model, GVW, and serial numbers. Hours of operation, typical radius, and primary use of the water truck (dust control, hauling potable water, etc.). Loss history for the past 3–5 years and details on any significant claims. Details on safety, training, and maintenance programs. If you are unsure about minimum premiums or any program thresholds, note that minimum premium levels and specific terms vary by carrier — please contact Colonial General to confirm current minimums and available deductibles for the target state. Territories and Availability Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Because admitted availability is limited in some states, Colonial General will place eligible accounts on admitted paper where markets permit and on E&S in other jurisdictions. Confirm admitted vs. non-admitted options on a per-submission basis. Why Work With Colonial General on Water Truck Accounts Specialized underwriting experience placing water truck and construction support fleets. Access to multiple carriers and E&S capacity to find solutions for tougher risks. Flexible liability limits and physical damage options that align with contractor needs. Responsive submission review and underwriting guidance to help you prepare a complete file. Example scenarios: You have a local paving contractor running two water trucks for dust control and compaction within a 150-mile radius. This program can provide liability up to $1,000,000 CSL and physical damage with a deductible that fits the client’s budget. A municipal public works department wants coverage for a small fleet of water trucks used seasonally. Colonial General can evaluate admitted options where available or place appropriate E&S coverage to meet the entity’s needs. Next Steps for Agents Prepare a complete submission with vehicle and driver details, loss history, and usage information. Colonial General underwriters will review for appetite and advise on admitted vs. non-admitted options and any available deductible choices. For current carrier availability and exact program terms, submit via your usual broker channel or contact Colonial General directly to discuss the account. Frequently Asked Questions What types of water truck operations are a good fit for this program?Construction contractors, paving and aggregate companies, municipal public works, and landscape contractors using water trucks for dust control, compaction, and similar local hauling tasks are typically a good fit. Longhaul tanker operations or oilfield fluid hauling are generally outside the appetite. What liability and physical damage options are available?The program offers liability limits up to $1,000,000 CSL and physical damage with deductible options usually ranging from $500 to $5,000. Exact limits and deductibles depend on the carrier selected for the account. Are admitted policies available?Some admitted markets are available depending on the state and account characteristics. Where admitted placement is not available, Colonial General can place coverage through Excess & Surplus lines markets. Confirm admitted availability on each submission. What information should I include with a submission to speed placement?Provide vehicle schedules, driver MVRs, a clear description of operations and typical radius, maintenance and safety program details, and loss history for the last 3–5 years. Complete submissions result in faster and more competitive placement. Need help placing an account? Connect with a market specialist.

Policy Highlights for Restaurant Insurance: Colonial General Insurance Agency, Inc. offers a comprehensive Restaurant Insurance program designed to help agents and brokers place a wide range of food service risks. Whether your client operates a dine-in restaurant, a take-out establishment, or a hybrid model, this program provides tailored solutions to meet their unique exposures. Coverage is available on a mono-line or package basis, with flexible options to suit different business needs. Please note that alcohol sales must be less than 30% of gross sales to qualify. Ideal Accounts and Appetite This program is best suited for small to mid-sized restaurants, cafés, diners, bistros, and other food service businesses that primarily focus on food sales rather than alcohol. Typical accounts include: Family-style restaurants with limited bar service Quick-service and take-out only establishments Ethnic restaurants with dine-in and carry-out service Cafés and coffee shops offering light food menus Accounts that rely heavily on alcohol sales (over 30% of revenue) or operate as nightclubs or bars are outside the current appetite. Coverage Highlights and Advantages Commercial General Liability Coverage Includes: Primary limits up to $3,000,000 Occurrence / Aggregate $5,000 Medical Payments Coverage—Included Additional Interests—Included at no additional cost Liquor Liability Coverage available Excess or Umbrella Limits up to $25,000,000 No deductible required Property Coverage Options: Building and Contents Business Income and Extra Expense Computer Equipment Food Spoilage and Equipment Breakdown Accounts Receivable and Valuable Papers Outside Signs and Inland Marine Basic, Broad, or Special Form available Replacement Cost or Actual Cash Value (ACV) options Crime Coverage: Theft of Money and Securities (Inside the Premises) Robbery or Safe Burglary of Other Property Theft Outside the Premises Underwriting Notes and Premiums Colonial General works with a variety of carriers to find the right fit for your client's risk profile. While minimum premiums may vary by risk and carrier, the agency focuses on providing competitive solutions with minimal underwriting friction. Submissions that include complete applications and clear financials help speed up the quoting process. Territories and Availability This Restaurant Insurance program is available in the following states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Utah, and Wyoming. Admitted markets are available in some states, and non-admitted options are also accessible depending on the risk and jurisdiction. Why Work With Colonial General Insurance Agency, Inc.? As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings decades of experience and strong market access to help you place hard-to-insure or specialty restaurant accounts. Their team understands the nuances of the food service industry and can help you navigate the underwriting process for quick and reliable placement. With access to both admitted and non-admitted markets, they offer flexible solutions tailored to your insured’s needs. If you have a client opening a new fast-casual restaurant or one taking over an existing space with minor renovations, Colonial General can help you provide the coverage needed to protect their investment and operations from day one. Frequently Asked Questions What types of accounts are a good fit for this program?Restaurants with less than 30% of gross sales from alcohol, such as cafés, diners, quick-service, and ethnic restaurants, are ideal candidates for this program. Is Liquor Liability included in the coverage?Yes, Liquor Liability Coverage is available as part of the Commercial General Liability offering, provided alcohol sales remain under 30% of gross receipts. Are both package and mono-line coverage options available?Yes, property and liability coverage can be written together as a package or individually on a mono-line basis depending on your client’s needs. Which states is this program available in?This Restaurant Insurance program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Does Colonial General work with admitted or non-admitted carriers?They offer coverage through both admitted and non-admitted markets, depending on the risk and state requirements. Need help placing an account? Connect with a market specialist.