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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.

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.

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