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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 of the Heterogeneous Workers' Compensation Program Roundstone’s Heterogeneous Workers' Compensation Program is a fully insured, admitted workers’ compensation solution designed for mixed blue-collar exposures. The program is structured as a cash-flow friendly “Pay as You Go” product: premiums are billed monthly so you can avoid large down payments and reduce end-of-policy audit surprises. Premiums are matched to payroll in near real time, helping insureds keep premium in line with actual payroll exposure while improving cash flow and loss visibility. Program Positioning This program is offered by Roundstone through admitted carriers and is underwritten by a captive provider model focused on practical, responsive service for brokers and their clients. Underwriting emphasizes quick decisions and pragmatic evaluation of heterogeneous classes rather than forcing accounts into narrow class buckets. Ideal Accounts and Appetite Mixed blue-collar businesses with multiple different job classifications on a single payroll (e.g., maintenance firms, property services, general contractors with specialty crews). Seasonal or variable-pay employers that benefit from monthly premium adjustments rather than large up-front deposits. Smaller to mid-sized accounts where audit variance and cash flow are common sales objections. Classes commonly written in this program include numerous blue-collar and hands-on occupations — ask Roundstone for the current class appetite. Coverage Highlights and Advantages Fully admitted paper — policy issued by admitted carriers for stability and regulatory compliance in participating states. Monthly premium billing tied to actual payroll reporting, reducing audit “shock” and improving cash flow for insureds. Designed for heterogeneous payrolls so multi-class exposures can be placed on one policy without awkward manual splits. Responsive underwriting and program servicing tailored to broker needs — faster turnarounds and pragmatic placements. Pay as You Go approach helps lower collection risk and smooths premium payments through the policy term. Underwriting Notes Roundstone evaluates heterogeneous accounts with emphasis on payroll patterns, loss history, and class mix. Monthly payroll reporting is a core part of the program to ensure premium aligns with exposure; confirm reporting requirements during submission. While many blue-collar classes are eligible, accounts with unusual or highly volatile exposures may require additional underwriting review. Specific minimum premium thresholds and eligibility criteria vary by state and account—please contact Roundstone for details and submission guidelines. Territories and Availability This program is available on admitted paper in the following territories: 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. Availability and filing details are subject to state regulations; confirm state eligibility at quote. Why Place Business with Roundstone Deep focus on cash-flow friendly workers’ comp solutions for hands-on employers. Admitted carrier placements that combine regulatory stability with pay-as-you-go flexibility. Underwriting geared toward heterogeneous class mixes and practical service for brokers. Reduces audit surprises and aligns premium with real payroll activity — a clear selling point for cost-sensitive insureds. Example Scenarios You might have a landscaping contractor who staffs heavy crews in summer and trims staff in winter — this program lets premium follow payroll month to month. Or a maintenance contractor with electricians, plumbers and general laborers on one payroll can place all classes together without repeated audit adjustments. Frequently Asked Questions What types of accounts are a good fit for Roundstone’s Heterogeneous Workers' Compensation Program?Accounts with multiple blue-collar job classifications on one payroll, seasonal or variable payrolls, and small to mid-sized employers who need monthly premium billing and reduced audit volatility are ideal candidates. Is this program available on admitted paper in my state?Roundstone writes admitted paper in a wide set of states (see program availability). State filings and specific eligibility can vary, so submit a quick inquiry or contact Roundstone to confirm availability and filing details for your client’s state. How does the monthly billing or “Pay as You Go” feature work?The program requires monthly payroll reporting so premium is billed based on actual payroll exposure rather than estimated annual payroll and a large up-front deposit. This approach reduces end-of-term audit adjustments and improves insured cash flow. Exact reporting requirements are provided at submission. What information does underwriting typically need for a quote?Underwriters typically request current payroll by class, last few years’ loss runs, and a description of operations. Because the program targets heterogeneous classes, clear payroll splits and a recent loss history speed up the review. How quickly can I get a quote or bind coverage?Roundstone emphasizes responsive underwriting and aims for fast turnarounds on standard heterogeneous accounts. Turnaround time depends on completeness of submission; provide payroll detail and loss runs to expedite the quote. Need help placing an account? Connect with a market specialist.

Residential Contractors Insurance Program from Roundstone Roundstone offers a General Liability program specifically for residential contractors, homebuilders, and artisan trades. Written through an admitted carrier, this program is tailored to the needs of small- to medium-sized contractors who focus on residential construction. Whether your client builds custom single-family homes, townhomes, or condominiums, this program provides liability protection designed to manage common construction risks. Ideal Accounts and Appetite This program is a strong fit for agents placing business for: Custom single-family homebuilders Townhome and condominium builders Residential artisan contractors (carpenters, electricians, plumbers, painters, and similar trades) Target accounts are typically small to medium in annual revenue and number of units built. Limited commercial work may be acceptable when residential construction remains the primary focus. The program is not intended for general contractors with a heavy commercial mix, tract housing developers, or large-scale residential developments. Coverage Highlights and Advantages Key benefits of Roundstone’s Residential Contractors program include: Admitted General Liability coverage that helps ensure compliance with state insurance regulations Eligibility for artisan trades and specialty residential builders Flexibility to accept minor commercial exposure when residential work predominates Access to a captive provider with focused construction underwriting and claims understanding The program addresses common exposures in residential construction such as third-party bodily injury, property damage, and operations-related liability arising from on-site work and completed operations. Underwriting Notes and Minimum Premiums Roundstone underwrites with a focus on residential exposure, safety practices, and subcontractor controls. Submissions should include standard underwriting details: years in business, description of operations and project types, payroll and revenue breakdowns, and prior loss history. Strong risk management documentation (safety programs, subcontractor agreements, licensing) improves placement prospects. There is no stated minimum premium in this material; pricing and minimums are determined during submission and underwriting. Territories and Availability This program is available in all 50 states and Washington, D.C., including major construction markets such as California, Texas, Florida, New York, and Illinois. Because coverage is written on an admitted basis, your clients receive the regulatory and financial protections associated with admitted paper in those jurisdictions. Why Work With Roundstone Roundstone specializes in construction programs and brings underwriting experience focused on residential risks. As a captive provider, they combine program-level discipline with construction expertise to deliver responsive service and clearer appetite guidance. Agents benefit from an admitted market option for residential contractors, a straightforward eligibility profile, and underwriting that values documented safety and subcontractor management. To learn more or submit a risk, visit the Roundstone company profile or the Residential Contractors storefront on CompleteMarkets. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for small- to medium-sized residential contractors, including custom homebuilders and artisan trades such as plumbers, electricians, and painters. Is commercial work allowed under this program?Limited commercial work may be acceptable, but residential construction must remain the primary focus of the account. What kind of carrier backs this program?The program is written through an admitted carrier, providing regulatory compliance and established claims handling procedures. In which states is this program available?This program is available in all 50 states and Washington, D.C. How do I submit a risk to Roundstone?Visit the Roundstone company profile or the Residential Contractors storefront on CompleteMarkets to learn more and begin the submission process. Need help placing an account? Connect with a market specialist.

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