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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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Overview — PointSure: Workers' Compensation for Contractors and Maritime Employers PointSure Insurance Services, Inc. offers a wholesale program placing Workers' Compensation and related maritime liability for contractors and maritime employers. This program is designed for agents and brokers seeking admitted capacity with SeaBright Insurance Company for construction contractors (including collectively bargained California union accounts), vessel employers, shipyards, longshore operations and other maritime exposures. Use this market when your insured needs broad workers' compensation solutions combined with USL&H and maritime employers' liability placement options. Ideal Accounts and Appetite Union and non-union contractors, including California collectively bargained union contractors. Maritime employers: vessel operators, crews, ship repair and maintenance, longshore and terminal operations, marine contractors performing work on or near navigable waters. Accounts with larger payrolls or consolidated payrolls that meet program minimums—this is a market for mid-to-large accounts rather than small single-employee risks. Accounts with organized safety programs and documented loss control, and those able to provide standard payroll and claims details. Coverage Highlights and Advantages Admitted workers' compensation placement through SeaBright Insurance Company, helping agents place business with carriers acceptable to many insureds and buyers. Integrated handling of USL&H and Maritime Employers' Liability exposures alongside statutory workers' compensation for a coordinated placement. Program experience with collectively bargained California union contractors and specialized maritime classes that many standard markets decline or limit. Ability to support multi-state operations and certain specialty classes with underwriting that understands marine exposures and contractor payroll structures. Underwriting Notes and Minimum Premiums Underwriting focuses on payroll size, loss history, class codes, and safety controls. Minimum premiums vary by coverage line and state — confirm details at submission. Typical minimums include: Collectively bargained workers' compensation (California union contractors only): Minimum premium = $250,000 Statutory workers' compensation for contractors: Minimum premium = $75,000 in AK and HI; $250,000 in other states Statutory workers' compensation for other classes (Alaska and Hawaii only): Minimum premium = $75,000 USL&H and Maritime Employers' Liability: Minimum premium = $125,000 in CA $75,000 in AK, OR and WA $100,000 in other states Supporting coverage available in select other states — call PointSure for details and state-by-state availability. Please note these minimums are underwriting thresholds and subject to change; provide full submission details to get current terms. Territories and Availability Admitted status: All Available States. PointSure currently places business through this program in states including AZ, CA, IL, IN, IA, KY, MI, MO, NV, TX and WI, with additional state support as noted for specific coverages. Availability can vary by class and state – confirm at time of submission. Why Work With PointSure on This Business Wholesale broker expertise: PointSure focuses on placing complex contractor and maritime workers' compensation risks that require an underwriter familiar with marine exposures. Carrier access: Placement through SeaBright Insurance Company provides an admitted option for many classes and helps streamline placement for insureds that prefer admitted paper. Responsive submissions: PointSure underwriters are experienced with the documentation and payroll detail these accounts require, helping reduce turnaround for binding decisions. Example Account Scenarios California union contractor with multiple collective bargaining agreements seeking admitted workers' compensation coverage for large payrolls — fits the program's CA union appetite with the applicable minimums. Regional marine contractor performing vessel repairs and dock work across WA and OR with USL&H exposures — good fit when you need coordinated maritime employers' liability and workers' compensation placement. Frequently Asked Questions What types of accounts are a good fit for this PointSure program?Contractors with larger payrolls (including collectively bargained California union accounts) and maritime employers with USL&H exposures — shipyards, vessel operators, longshore work and marine contractors are primary targets. Which carrier writes this program and is the paper admitted?This program places admitted paper with SeaBright Insurance Company. Admitted availability is represented as All Available States, but state-by-state capacity and terms can vary. What are the underwriting minimums I should expect?Minimum premiums vary by coverage and state. Examples include $250,000 minimum for CA collectively bargained workers' compensation; $75,000 minimum in AK and HI (and $250,000 in other states) for contractor statutory WC; and USL&H minimums of $125,000 in CA, $75,000 in AK/OR/WA, and $100,000 in other states. Provide a full submission to confirm current thresholds. What submission information speeds review and quoting?Provide complete payroll breakdowns by class code, current loss runs (five years if available), details on collective bargaining where applicable, descriptions of marine operations or vessel exposure, and any written safety or return-to-work programs. Need help placing an account? Connect with a market specialist.

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