Search CompleteMarkets

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...

...Security Patrol Vehicles • Public Livery • Non-emergency Medical Vehicles • Li...ng, public and business auto fleets, livery services (including limousines and...

... 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...

Make Gorst & Compass Insurance your go-to wholesale source for Garage and Garagekeepers Insurance. As a wholesale broker with access to over 30 "A"-rated carriers, we help agents place both dealer and non-dealer risks with competitive pricing and flexible underwriting. Whether your clients are new ventures or established operations, we offer tailored solutions to match their coverage needs and risk profile. Ideal Accounts and Appetite We target a broad range of garage-related businesses, including: • Garagekeepers – including valet and self-parking operations • Auto service businesses – repair shops, towing services, salvage yards, and service stations • Non-franchised used car dealers and wholesalers • Cargo haulers – particularly those transporting electronics, clothing, or other theft-prone goods Coverage Highlights Garage Insurance Coverages: • Monoline Physical Damage (minimum $1,000 deductible) • Motor Truck Cargo – limits up to $1 million • Garagekeepers Legal Liability • Dealers Open Lot Program Advantages • Fast, responsive quoting and placement • Low minimum premium options (varies by market and risk) • Access to both admitted and non-admitted carrier solutions • Competitive commission structures and flexible underwriting • Will consider new ventures and start-ups Underwriting Notes and Minimum Premiums Underwriting varies by class, limits, and loss history. Typical considerations include the operation’s hours, whether valet or self-park is offered, storage security for dealers open lots, tow practices for hauling risks, and prior claims. Minimum premiums vary by carrier and coverage; we work with markets that offer low minimums for smaller operations and flexible terms for new ventures. Territories and Availability This garage/garagekeepers program is available in California. We place accounts through both admitted and non-admitted carriers to find the best market fit based on the insured’s operations and risk profile. Why Work With Gorst & Compass Insurance With decades of wholesale experience and broad access to top-rated carriers, Gorst & Compass Insurance helps agents compete and win in the garage insurance space. Our underwriting contacts, quick quoting, and willingness to consider new ventures make placement efficient for you and protective for your clients. Example scenarios you can place through this program: • A neighborhood auto repair shop that added valet parking and needs affordable Garagekeepers Liability. • A used-auto wholesaler seeking Dealers Open Lot coverage and physical damage solutions for inventory. Frequently Asked Questions What types of accounts are a good fit for this program?This program fits garagekeepers (including valet and self-parking), service and repair shops, towing operations, salvage yards, and non-franchised auto dealers and wholesalers. Can new ventures qualify for coverage?Yes. Gorst & Compass Insurance considers new ventures and can help place startup garage risks with appropriate markets and terms. Are both admitted and non-admitted carriers available?Yes. We offer access to both admitted and non-admitted carriers and will select the best option based on the risk, limits, and state requirements. What is the minimum premium for this program?Minimum premiums vary by carrier and coverage. We work with markets that offer low minimums to accommodate smaller operations; exact minimums depend on the class of business and limits requested. Is the program available outside of California?At this time the program is available in California. Contact us to discuss potential options or alternative markets for other states. Need help placing an account? Connect with a market specialist.

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.

...g - Livery, shuttle, or transport ...

...Bays Trailer Dealers and Public Livery Repair Shops If you work with client...

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.